Samruddhi Rele

Credit Risk Analyst with 6 years of experience in counterparty credit risk, issuer risk assessment, and exposure monitoring within a banking environment. Supported the credit rating process for structured finance transactions such as RMBS along with Cash flow Analysis.

Credit Risk Analyst at Barclays (2023-12 – Present)

• Conducted counterparty and issuer-level credit exposure analysis, monitoring utilization against approved credit limits based on the credit worthiness of the issuer and identifying potential excess or breach risks across both Trading and Banking Book.
• Performed credit risk assessment and internal grading of issuer exposures in accordance with established credit policies and risk rating frameworks, supporting risk-based decision-making and limit allocation.
• Managed credit limit monitoring and excess management, including breach identification, root cause analysis, escalation, and remediation tracking. Perform quality assurance check for sanity and completeness of the data.
• Performed daily/weekly/monthly portfolio-level credit risk aggregation reporting across Trading Book and Banking Book (TB-BB consolidation), enabling accurate counterparty exposure reporting and concentration risk assessment.
• Conceptual understanding of SA-CCR and credit metrics such as EE,PFE, EE.
• Prepared and delivered management information (MI) reports, including weekly/monthly exposure dashboards, excess reports, credit concentration analysis, and regulatory submissions.
• Implemented Python-based automation solutions to streamline credit exposure reporting, improve data reconciliation accuracy, and reduce manual interventions.

Credit Analyst at CRISIL (2021-11 – 2023-12)

• Supports the credit rating process for structured finance transactions of moderate to high complexity for S&P's Japan and Australia region.
• Actively participates in preparation of rating committee notes and presenting in the committees for new issuance and an allocated portfolio of structured finance transactions, such as Residential Mortgage Backed securities (RMBS) for APAC region.
• Assisting with Cashflow Modeling for securitized products and Cashflow analysis, along with Counterparty Risk, Legal and Regulatory Risk, Operational Risk Analysis.
• Actively managed automation by helping in reducing the time required to construct the cashflow models utilizing python and Microsoft excel.
• Supported in preparing industry specific and company specific reports published on the S&P CapitalIQ platform.

Wealth Manager at Purnartha Equity Research & Investment Advisory Pvt Ltd (2020-10 – 2021-11)

• Creating customized portfolios for HNIs based on thorough assessment of their investment purpose, designing a customized Portfolio based on the framework of fundamental research and credit research on the portfolio.
• Analysis on company fundamentals, financials, credit reports and historic stock performance, thus giving recommendations on business model which are worth investing.
• Understanding and analysis of direct equity market, Capital Markets, MF, PMS, AIF, Wealth Management and assisting clients with the same.
• Assist with the preparation of client performance reports and investment review materials for new and existing clients and providing commentaries on performance drivers.

Corporate Credit Appraisal (Summer Internship) at IDBI Bank (2019-04 – 2019-05)

• Worked as Credit analyst and preparation of Memorandum of Sanction
• Appraising proposals for Structured Working Capital Products and Term Loan Financing for a Green field Venture

PGDM in Finance and Business Analytics – Institute of Management Technology (2018-01 – 2020-01)

Bachelor of Engineering in Mechanical – Jawaharlal Darda Institute of Engineering (2013-01 – 2017-01)

Class XII – Birla College of Science (2012-01 – 2012-01)

Class X – Free Methodist English School (2010-01 – 2010-01)