About
Built on modelling rigour.
Financial and credit risk analyst with 2 years 4 months of industry experience at Infospectrum Ltd, complemented by CFA Level II and an independent portfolio of credit risk and valuation models built in Python and Excel.
Based in India
Experience
Credit Risk Analyst (Shipping)
Infospectrum Ltd · London, UK (Onsite)
Sep 2022 → Dec 2024
- Analysed P&L, balance sheet, cash flow, and financial disclosures for publicly listed shipping companies to evaluate credit risk and draft comprehensive credit reports.
- Performed financial due diligence applying 40+ ratio measures across 5-year performance, benchmarking each company against its sub-sector, direct peers, and the broader industry.
- Engineered an automated reconciliation model reducing cross-standard reporting discrepancies (US GAAP, IFRS, local GAAPs/FRS) across 120+ companies, including lease-accounting variances.
- Findings fed directly into client-facing reports used by senior management for counterparty credit rating decisions; standardised the end-to-end workflow into documented SOPs.
Projects & Achievements
Quantitative Credit Risk Researcher
Independent Research · India
Jun 2025 → Present
- Built Lending Club EL framework (PD/LGD/EAD) on 460,000+ records in Python; WoE/IV pipeline (74→17 features); out-of-sample AUROC 0.702, Gini 40.4%, KS 29.7%.
- Developed Home Credit EL pipeline across 307,511 applications and 5 relational tables; two-stage LGD, CCF-based EAD, IFRS 9 staging; AUROC 0.741, Gini 0.481, Basel III IRB validated.
- Constructed German Credit PD pipeline; identified a self-referential target flaw and documented it through an SR 11-7 / EBA model risk governance lens.
- Built Black-Scholes and Binomial Tree option pricing models on Nifty 50 data with statistical volatility estimation.
Investment Banking Job Simulation
Citi · via Forage
Jul 2024
- Buy-side analyst simulation evaluating an $18.5B enterprise value acquisition target.
- Built an M&A target company profile, a 5-year income statement projection model, and a trading comparables analysis.
- Synthesised findings into an investor-update report for the deal team.
Academic & Leadership Achievements
Bayes Business School · London, UK
Sep 2021 → Sep 2022
- Awarded Distinction in a financial modelling competition for 5-year forecasts and full DCF valuation models built from scratch on two FTSE 100 firms.
- Derived Enterprise Value via an FCFF-based DCF, discounting projected free cash flows and a computed Terminal Value; cross-checked against relative valuation using peer EV/EBITDA multiples.
- Director of Research: led a 10-person team on FTSE 100 regulatory impact studies; grew society engagement by 130%.
Education
Sep 2021 → Sep 2022
MSc Banking & International Finance
Bayes Business School, City, University of London · Score 64/100
Aug 2016 → May 2019
Bachelor of Management Studies (Finance)
K.J. Somaiya, University of Mumbai · CGPA 7.92/10
Credentials
CFA Level II
Passed July 2025, CFA Institute.
Programming & Tools
Python (pandas, NumPy, scikit-learn, statsmodels), SQL, Advanced Excel (VBA, Macros).
Modelling & Valuation
3-statement modelling, DCF and EV/EBITDA valuation, options pricing, scenario and sensitivity analysis.