Apeksha Mahant

I am a finance professional with experience in credit analysis, covenant monitoring, and portfolio management within asset-backed lending. I evaluate borrower creditworthiness by analyzing P&L, Balance Sheet, and Cash Flow statements to assess financial health and risks.

I have practical experience calculating DSCR, leverage, and cash-flow ratios to ensure borrower adherence to credit terms and audit standards. I monitor portfolios, verify documentation accuracy, and conduct covenant compliance checks aligned with internal risk scorecards.

At Kotak Mahindra Bank I monitored a ₹50 Cr+ portfolio, improved reporting accuracy by 70% through process automation, and led a Salesforce CRM migration to ensure data integrity and accurate covenant reporting. I support management with cost-benefit and ad-hoc analyses for portfolio decisions and credit renewals.

I hold an MBA in Finance and certifications in Financial Modeling, Investment Banking, Power BI, and Tableau. I build integrated financial models, perform valuation analyses (DCF, comparables, IDC), and create interactive dashboards to improve decision-making.