Vatsala Hira

Junior Analyst - Lending

• Job Details:Managed over 10 portfolios, totaling Rs. 30 crores, focusing on the takeover of NPA loan accounts by conducting comprehensive research and financial analysis to assess viability and risk. Worked on the entire lifecycle of transaction: preparation of term sheets, credit notes, completion of due diligence and disbursement process. Prepared over 20+ detailed credit notes, leveraging comprehensive analysis of client business models, financial ratios, and growth potential to facilitate informed credit decisions for the credit committee. Developed financial reports and investment teasers for advisory cases, streamlining evaluation processes and improving decision-making for private equity funding. Provided research and analysis on market trends and sector developments, leveraging CRISIL reports and alternative data sources to assess the future viability of businesses. Undertook risk analysis and keeping company credit exposures within risk limits. Conducted on-site client visits pan-India with company directors, gaining firsthand data insights into operations and performing qualitative analyses on business dynamics and risk factors. Built and maintained strong relationships with internal teams, clients, and key stakeholders to drive collaboration and share valuable market intelligence.