Anagha U

Managed detailed credit risk assessments for corporate and financial institution counterparties to evaluate creditworthiness and lending suitability. Conducted comprehensive analysis of financial statements, including income statements, balance sheets, and cash flow statements. Built and maintained financial models to assess borrowing capacity, liquidity position, leverage, debt repayment ability and credit metrics.

Senior Process Associate - Siemens - Bangalore, India

(2024-04 - 2026-06)

• Managed detailed credit risk assessments for corporate and financial institution counterparties to evaluate creditworthiness and lending suitability.
• Conducted comprehensive analysis of financial statements, including income statements, balance sheets, and cash flow statements.
• Built and maintained financial models to assess borrowing capacity, liquidity position, leverage, debt repayment ability and credit metrics.
• Reviewed monthly borrowing base certificates to ensure accuracy, completeness, and compliance with lending agreements.
• Monitored covenant compliance and identified potential breaches, over-advances, and borrowing base deficiencies.
• Served as a subject matter expert (SME) in transaction processing, offering guidance and recommending procedural improvements to enhance efficiency and reduce errors.
• Analyzed collateral performance and tracked deterioration risks to support portfolio risk management.
• Managed a portfolio of clients by conducting periodic credit reviews, risk ratings, credit recommendations and assigning appropriate risk ratings.
• Prepared detailed annual and quarterly credit review reports covering financial performance, risk assessment, and rating rationale.
• Evaluated business models, revenue streams, industry positioning, and corporate structures to identify key credit risks.
• Performed peer benchmarking and industry analysis to assess relative financial strength and competitive positioning.
• Assessed key risk drivers, strengths, weaknesses, and outlook of counterparties to support informed credit decisions and perform financial modelling, forecasting
• Maintained accurate credit documentation and supported audit, compliance, and regulatory review requirements.

Process Associate - Capgemini - Bangalore, India

(2021-12 - 2024-04)

• Managed Evaluate and approve credit risk exposures across derivatives, financing, and prime brokerage transactions with global hedge funds, asset managers, and financial institutions.
• Conduct fundamental counterparty credit assessments using both qualitative and quantitative analysis, including liquidity, leverage, capital adequacy, and investment strategy.
• Collaborated with relationship managers, risk teams, and stakeholders to support credit approval and monitoring processes.
• Developed and maintained strong client relationships while ensuring effective portfolio monitoring and proactive risk identification.
• Collaborate with trading desks to assess risk-reward profile of transactions and provide credit recommendations for structured and bespoke trades.
• Review and analyze transaction risks through portfolio analytics, risk simulations, and stress testing under adverse market conditions.
• Recommend internal credit ratings and set credit limits by synthesizing financials, market intelligence, and transaction data.
• Scheduled and executed payments ensuring accurate remittance information and adherence to payment terms. Supported daily settlements and trade matching across equities, and fixed income instruments
• Proficient in processing high-volume payment and bulk asset transactions, successfully handling over 100 payments daily with accuracy and efficiency.
• Ensured adherence to internal credit policies, regulatory requirements, and standard operating procedures.
• Led daily shift operations at the Delivery Center, overseeing inbound/outbound processes, sortation, dispatch planning, and last-mile coordination.
• Supervised a team of 6 associates, assigning duties, monitoring progress, and driving performance based on KPIs like on-time dispatch, order accuracy, safety compliance.

Banking Intern - Vilcart Private Solution Limited - Bangalore, India

(2019-12 - 2020-01)

• Assist clients in the application, origination, and ongoing servicing of bank payments within the portfolio.
• Excellent Client Service skills to build strong partnerships with the ability to communicate complex issues to internal clients, senior management, additionally thinks strategically.
• Having strong control and risk management strategies to ensure compliance with Banks while still providing excellent client service
• Monitoring periodic reports using various databases for financial analysis, as well as reporting the Monthly Return GSTR–3 B to the higher management

Master of Business Administration - Finance - Jain University

Bachelor of Commerce - Banking and Finance - Maharani Lakshmi Ammanni College