Snehasish Naskar

Manager & Credit Analyst (IIM Kozhikode, MBA 2026) with experience in corporate credit appraisal, credit underwriting, consortium lending, and structured credit across 200–500 Cr in mid and large-cap exposure at Yes Bank. Proven track record in DCF valuation, equity research, financial modeling, and portfolio management across banking, media, and startups. Seeking roles in equity research, investment banking, or corporate finance where credit and valuation expertise drive investment decisions.

Manager & Credit Analyst, Corporate & Institutional Banking at YES BANK LIMITED (2026-04 – Present)

• Assessed and presented 20+ Mid & Large Corporate credit proposals worth 200–500 Cr, evaluating business risk, financial risk, industry outlook, and management quality for sanction.
• Prepared independent credit views via 20+ Credit Risk Summaries (CRS) covering fresh sanctions, renewals, and enhancements, incorporating risk identification, mitigants, and covenant monitoring.
• Stress-tested financials across 200–500 Cr through ratio analysis, EBITDA assessment, leverage ratio and interest coverage evaluation, and DCF-based projection testing across audited and provisional statements.
• Identified and structured mitigants for credit risks including concentration, debtor stretch, contingent liabilities, and group exposure with early warning signal frameworks.
• Reviewed post-sanction exposure via annual reviews, debt service assessment, covenant compliance checks, and account conduct analysis across the mid and large corporate portfolio.

Financial Analyst Intern at AIRWAY MEDIA (2025-04 – 2025-06)

• Drove a 12% margin gain across 5 revenue streams by building cohort-driven revenue models, subscription analytics dashboards, and profitability forecasts.
• Improved revenue forecast accuracy by 10% by developing dynamic dashboards integrating churn, ARPU, CAC, LTV, and KPI tracking metrics.

Intern – Business Administration at FIFTH STARTUP (2025-05 – 2025-07)

• Negotiated 10% above-target B2B ad partnerships, delivering 1.4x average deal value and driving 13% QoQ sales uplift across 20+ stores.

Intern – Finance & Investor Relations at FIFTH STARTUP (2025-08 – 2025-09)

• Optimized working capital by cutting CCC 11% across 10+ SKUs, raising investor engagement 20%, and improving gross margins by 10%.

MBA in General Management – INDIAN INSTITUTE OF MANAGEMENT KOZHIKODE (2024 – 2026)

B.Com (Honours) in Commerce – Seth Anandram Jaipuria College, University of Calcutta (2020 – 2023)