Open to opportunities

Megha Bansal

@meghabansal

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Experienced credit analyst with a strong background in project financing.

India

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What I'm looking for

I am looking for a challenging role in a dynamic organization that values growth and innovation.

I am a young and energetic professional with extensive experience in credit risk assessment and project financing. Currently, I serve as a Senior Manager at Bandhan Bank, where I handle various funding facilities and conduct thorough credit appraisals to ensure the financial health of corporate clients. My role involves not only analyzing financial data but also engaging directly with clients to assess their business environments and repayment capacities.

Throughout my career, I have demonstrated a commitment to excellence, earning accolades such as the Best Performance Award from Bandhan Bank for my contributions. My previous roles at ICRA Limited and Torrent Power Limited have equipped me with a robust understanding of financial modeling, risk assessment, and project financing, particularly in the renewable energy sector. I thrive in challenging environments and am dedicated to continuous learning and professional growth.

Experience

Work history, roles, and key accomplishments

Current

Senior Manager – Credit Analyst

Current

Bandhan Bank Ltd.

Sep 2022 - Present (2 years 10 months)

Managed diverse funding facilities including term loans and working capital for large corporates and MMG borrowers. Conducted credit appraisals, financial analysis, and presented proposals to sanctioning forums.

Financial Analysis Risk Management Portfolio Management

Manager

FP & Associates

Jan 2020 - Feb 2021 (1 year 1 month)

Prepared CMA data and projections for clients' funding proposals. Handled loan proposals and credit rating work, liaising with lenders and credit rating agencies.

CMA Data Preparation Internal Audit

Project Finance - Manager

Torrent Power Limited

Sep 2018 - Jan 2020 (1 year 4 months)

Managed long-term projects, normal capex financing, and refinancing loan projects. Raised funds for renewable projects and capital expenditure programs.

Project Finance Financial Modeling

Team Lead - Mid Corporate Ratings

ICRA Limited (A Moody’s Investors Service Company)

Jan 2012 - Nov 2017 (5 years 10 months)

Conducted in-depth analysis of companies and industries to evaluate business, market, and financial risks. Prepared detailed credit rating reports and presented to rating committees.

Financial Analysis Risk Assessment Financial Modeling Team Leadership

Accounts Manager

Neesa Groups (Cambay Resorts)

Nov 2011 - Jan 2012 (2 months)

Monitored daily accounting and ensured compliance with accounting standards. Reviewed financial statements and evaluated internal control systems.

Accounting Financial Statement Analysis Internal Controls

Article ship Training

DGSM & Co

Dec 2006 - Jun 2011 (4 years 6 months)

Completed Article ship Training, gaining expertise in Statutory & VAT Audit and Income Tax. Independently carried out statutory audits for corporate clients.

Financial Reporting Compliance

Education

Degrees, certifications, and relevant coursework

HL Institute of Commerce

Bachelors in Commerce, Commerce

Grade: 70.00%

Completed a Bachelor's degree in Commerce from HL Institute of Commerce. Achieved a final percentage of 70.00%.

The Rosery School

Higher Secondary Course, General Studies

Grade: 85.33%

Completed Higher Secondary Course at The Rosery School. Achieved a final percentage of 85.33%.

The Rosery School

Secondary Course, General Studies

Grade: 78.29%

Completed Secondary Course at The Rosery School. Achieved a final percentage of 78.29%.

ICAI

C.A. CPT, Chartered Accountancy

Grade: 165/200 (AIR-30)

Secured 30th Rank all over India in CPT, ICAI. Achieved a score of 165/200 in the examination.

ICAI

C.A. Final, Chartered Accountancy

Grade: 477/800

Successfully cleared both groups of the C.A. Final examination from ICAI. Achieved a total score of 477/800.

ICAI

C.A. PCC, Chartered Accountancy

Grade: 335/600

Successfully cleared both groups of the C.A. PCC examination from ICAI. Achieved a total score of 335/600.

Symbiosis Centre for Distance Learning (SCDL)

Post Graduate Diploma in Business Administration, Business Administration

Grade: Grade A

Completed a Post Graduate Diploma in Business Administration with a Grade A performance. The program was undertaken through Symbiosis Centre for Distance Learning (SCDL), Pune.