Niraj Ganatra
@nirajganatra
Experienced wholesale banking credit analyst and corporate advisor specializing in credit risk, EWS and investment appraisal.
IndiaWhat I'm looking for
I am a finance professional with nearly twelve years in wholesale banking credit analysis, credit risk monitoring, project finance appraisal and proprietary EWS framework design, complemented by seven years as an independent corporate advisory consultant.
My work spans designing Credit Mid Office (CMOG) frameworks, building EWS rule engines, investment analysis for a Single Family Office, and executing growth capital advisory for startups, including facilitation of a US$10M indicative term sheet.
I have delivered consulting mandates across startup advisory, debt advisory, turnaround and investor relations, and contributed to commercial credit software development and EWS quality assessment for an MNC bank using BI tools.
I bring demonstrated achievements in recovery and restructuring, proprietary risk-model development, and hands-on monitoring of wholesale credit portfolios with a pragmatic, research-driven approach to credit and investment decisions.
Experience
Work history, roles, and key accomplishments
Freelance Corporate Advisor
Independent Consultant
Nov 2016 - Present (8 years 11 months)
Provided corporate, startup, investment banking and turnaround advisory to startups, MSMEs and family offices, closing nine consulting engagements and facilitating a US$10M growth PE Heads of Terms for a late-stage water-management startup.
DBManager - Project SER Operations
Dun & Bradstreet
Nov 2017 - Apr 2018 (5 months)
Managed project SER operations for mid-market corporate ratings, overseeing self-evaluation reports and credit assessment processes to support ratings decisions during a six-month engagement.
IADomain Expert - Credit Systems
Intellect Design Arena
Nov 2016 - Apr 2017 (5 months)
Developed credit analysis, CMOG and EWS frameworks and a rule-engine for a wholesale credit monitoring software suite targeting banks, NBFCs and credit funds during a six-month engagement.
HBSenior Manager - Wholesale Credit Risk
HDFC Bank
Apr 2016 - Jul 2016 (3 months)
Served as Senior Manager for wholesale credit risk in Surat, responsible for onboarding and wholesale banking credit risk functions and completing specialist training for wholesale banking.
KBManaged credit monitoring for Emerging Corporate Group, maintaining portfolio quality across North and East India and identifying early warning signals to safeguard credit performance.
IBDealing Officer - SASF
IDBI Bank
Dec 2012 - Jun 2014 (1 year 6 months)
Analyzed stressed large-corporate accounts at IDBI SASF, prepared restructuring and recovery strategies, and executed recoveries including SARFAESI and DRT actions, recovering ~INR 5 crore in 2013.
IBSME Credit Manager
IDBI Bank
Oct 2009 - Dec 2012 (3 years 2 months)
Managed SME credit appraisal, administration and annual reviews, conducted financial statement analysis and credit rating assessments for MSME borrowers.
Analyst - Research & Analytics
Adventity Global Services
Feb 2008 - Jul 2008 (5 months)
Prepared credit appraisal memoranda, financial spreads and sensitivity analyses for North American and Western European corporates to support fixed-income investment recommendations.
IBCredit Analyst
ICICI Bank
May 2007 - Jan 2008 (8 months)
Conducted annual reviews of SME borrowers under SEGARG vertical, assessing creditworthiness and recommending credit actions.
Corporate Banking Credit Analyst
Citicorp Finance India
Oct 2006 - Mar 2007 (5 months)
Performed credit analysis for North American and Western European corporate clients, delivering annual credit reviews and risk assessments for the captive KPO of Citigroup.
Credit Manager - MSME
Centurion Bank of Punjab
May 2005 - Oct 2006 (1 year 5 months)
Managed MSME credit lifecycle from sourcing to appraisal and annual reviews, using CRISIL RAM for SME credit ratings and tracking account profitability.
Education
Degrees, certifications, and relevant coursework
SESydenham Institute of Management Studies, Research and Entrepreneurship Education
Post Graduate Diploma in Business Management, Finance
2003 - 2005
Grade: 61.96%
Completed a two-year full-time Post Graduate Diploma in Business Management with finance specialization, averaging 61.96% across four semesters.
Narsee Monjee College of Commerce and Economics
Bachelor of Commerce, Commerce
1999 - 2002
Grade: 69.57%
Completed a five-year full-time Bachelor of Commerce degree with a final percentage of 69.57%.
NENarsee Monjee College of Commerce and Economics
Higher Secondary Certificate (HSC), Commerce
1997 - 1999
Grade: 72.33%
Completed Higher Secondary Certificate (Commerce stream) under the Maharashtra State Board with 72.33%.
Vrajlal Parekh Vidyanidhi High School
Secondary School Certificate (SSC), General
1996 - 1997
Grade: 73.60%
Completed Secondary School Certificate under the Maharashtra State Board with 73.60%.
Availability
Location
IndiaAuthorized to work in
Job categories
Skills
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