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ADARSH SAHOO

@adarshsahoo

Finance Consultant at Infosys supporting Bank of New Zealand’s Funds Transfer Pricing and reporting, with prior MSME credit appraisal experience.

India

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What I'm looking for

I'm seeking a credit, risk, or financial analysis role where I can apply my banking and analytical foundation directly.

At Infosys Limited, I work within Bank of New Zealand’s Funds Transfer Pricing function, supporting the measurement of net interest margin and product profitability. I prepare monthly and quarterly reporting packs, reconcile transfer-pricing outputs with ledger data, and investigate exceptions using SQL.

At IDBI Bank, I appraised MSME loan proposals through financial statement analysis, borrower risk assessment, and credit bureau reviews. Earlier, I analysed financial institutions’ MSME lending portfolios at LetsEndorse Development Pvt. Ltd. and completed equity research on Indian pharmaceutical companies at Odisha Capital Market & Enterprises Ltd. (OCME).

Experience

Work history, roles, and key accomplishments

Current

Finance Consultant

Current

Infosys Limited

Dec 2024 - Present (1 year 10 months)

Works within the Funds Transfer Pricing function for Bank of New Zealand, engaging with finance and treasury stakeholders to gather change requirements and deliver reporting packs. Prepares monthly and quarterly reports, reconciles transfer-pricing output, and resolves data exceptions using SQL.

Transfer Pricing Financial Reporting SQL Stakeholder Management Reconciliations Variance Analysis Oracle Financials

Credit Analyst

IDBI Bank

Jun 2024 - Oct 2024 (4 months)

Appraised MSME loan proposals end to end, including financial statement analysis, borrower risk assessment, and credit bureau review. Recommended approval or rejection on credit applications, balancing portfolio quality against lending targets.

Credit Appraisal Financial Statement Analysis SME Lending Risk Assessment Credit Bureau Review Loan Structuring Regulatory Compliance

Finance & Research Intern

LetsEndorse Development Pvt. Ltd.

Apr 2023 - Jun 2023 (2 months)

Audited annual reports of 12 financial institutions, analyzing MSME lending portfolios, PSLC compliance, and NPA trajectories. Benchmarked 30 financial entities using statistical modeling and financial KPIs to identify partnership opportunities.

Financial Analysis Statistical Modeling Benchmarking SME Lending NPA Analysis Research

Intern

Odisha Capital Market & Enterprises Ltd.

May 2021 - Jul 2021 (2 months)

Analyzed 10 years of BSE price data for 5 Indian pharmaceutical companies against market returns, applying fundamental and risk-return analysis.

Equity Research Fundamental analysis Risk Adjusted Return BSE Data Analysis

Education

Degrees, certifications, and relevant coursework

Indian Institute of Management, Visakhapatnam

MBA, Finance

2022 - 2024

Grade: 82.25%

Pursued an MBA in Finance, achieving a score of 82.25%.

School of Management, Centurion University (CUTM)

BBA, Finance

2019 - 2022

Grade: 88.00%

Activities and societies: Gold medallist; merit certificate from the Hon'ble Governor; awarded Best Aspirant Mind for highest graduation performance university-wide.

Completed a BBA in Finance with a score of 88.00%, earning gold medallist for highest overall performance in a batch of 102.