Pankaj Gandhi A-65, Indra Nagar, Delhi-110033

Contact: +91-9560200155

Email: gandhip57@rediffmail.com EXECUTIVE PROFILE- A competent & dynamic MBA with specialization in finance and international business, having

4.5+ years of experience across financial analysis, credit analysis, business analysis, rating & research and reports generation.

- Seeking an opportunity to utilize quantitative, problem solving & analytical skills in the domain of banking & financial services, credit analysis & research. This position will expand my knowledge of business and offer challenges that will allow me for personal growth & advancement and the growth of the organization.

KEY STRENGTHS- Financial analysis, management and operational analysis, credit risk assessment and

monitoring & control- Strong written and presentation skills- Results orientation- Good Documentation Capability and ability to apply logical thinking to gather and analyze

information- Industry research using databases such as ISI Emerging Markets and OneSource- Certification in Omega’s Credit skills Development (CSD) programme accredited by the

Chartered institute of Bankers Scotland

PROFESSIONAL WORK EXPERIENCE

Barclays Shared Services (BSS) - Barclays Bank Plc. Credit Analyst Aug 2012- present- Day-to-day processing of financial information for a number of Large Business Customers. - Act as liaison for review of customers’ financials with RD's, RSM’s, Credit sanction and other

relevant stakeholders. - Use Zeus and other tools to analyze financial information to identify key issues and monitor

compliance with covenants and terms prior to discussing with RDs. - Responsible for ensuring Regulatory and Internal procedures followed for Monitoring and

Control criteria.- Responsible for collating and managing customer produced financial information and input on

Zeus.- Use knowledge of monitoring and control procedures to make recommendations to RD on

protecting the customer from losses and managing high value facility risk.- Take ownership of urgent credit related matters such as reporting late management

information and breaches. - Provide technical input in connection with proposed monitoring and control to ensure it is

correctly reflected in Zeus and the facility documentation. - Correctly complete covenant monitoring at all times. Where appropriate discussing customer

breaches of covenants and terms with RD and make recommendations/ initiate remedial actions.

Onicra Credit Rating Agency of India Ltd Associate Analyst

Jul 2011 – Aug 2012

- Completed more than 60 ratings around various states of North India across diverse business forms ranging from Proprietorship units and Partnership firms to Private Limited companies.

- The projects were commissioned by the top automobile manufacturers in two-wheelers, four-wheelers and commercial vehicle segment.

Vendor Rating- The assessments are based on 360 degree evaluation i.e. analysis of financial position, delivery

mechanism, price strategy, production capacity, quality of management, technical capabilities, quality control and customer service.

- The assessment also involves on site observation (qualitative) and grading (quantitative) of the vendors on above mentioned parameters. Worked on the projects custom-built by companies from automobile, steel and food & beverages industry.

Associate Ratings- Similar to vendor rating, associate rating involves evaluation of existing systems, processes and

policies, management quality, financial soundness and identifying key potential risks which could have a negative impact on the operations of the company. The projects were made to order by the leading automobile players for their existing dealer’s rating and for new dealerships’ due diligence and feasibility study.

Angel Broking Ltd Assistant Manager Jun 2010 – Apr 2011

- Responsible for providing information by collecting, analyzing, and summarizing the entire region’s sales data and trends. Directly reporting to the Regional head of the organization. Liaising with other internal departments such as sales and support. Responsible for presenting findings and suggestions to the regional head or other senior managers. Travelling to branches for sales audit, conferences and sales meetings. Supporting sales team by providing them with pitch books and market reports.

ACADEMIC CREDENTIALS

Masters of Business Administration (International Business & Finance) 2008 – 2010

Amity University, Noida (U.P.), India

Bachelor of Arts (Economics honors) 2004 – 2007

University of Delhi, Delhi, India Senior Secondary Education (Commerce)

2004 C.B.S.E. Board, Delhi, India Secondary Education

2002 C.B.S.E. Board, Delhi, India

CERTIFICATIONS AND ACCREDITATIONS

Certification in Omega’s Credit skills Development (CSD) programme accredited by the Chartered institute of Bankers Scotland with average score of 77%. Credit Skills Development is comprised of 18 modules which teach the technical skills needed to become proficient in the area of commercial credit decisions.

NCFM’s certification on Capital Market (Dealers) Module. Certification in ‘Corporate Communication’ programme & ‘Behavioral Sciences’ programme

during MBA.

I hereby declare that the particulars and information disclosed above is true to my knowledge and belief.

Pankaj Gandhi