Looking for a job

Priya Sondhi

@priyasondhi

Credit risk professional at YES BANK assessing ₹100–500 crore proposals and bringing the lender’s perspective to board oversight.

India

Message

What I'm looking for

I’m open to audit committee, risk committee, and finance committee roles in mid-market manufacturing, FMCG, agri, real estate, and FinTech companies. I want to bring the banker’s perspective into the boardroom and help companies govern their finances with lenders’ expectations in mind.

At YES BANK, I assess working capital proposals for medium enterprises across manufacturing, textiles, FMCG, and real estate. I stress-test cash flows, evaluate business and industry risks, and present recommendations to the bank’s credit committee.

My path began at CARE Ratings and continued across IndusInd Bank, Kotak Mahindra Bank, Axis Bank Limited, and YES BANK. That work has shaped my perspective on financial governance, credit risk, and the questions audit committees should ask. I’m open to audit, risk, and finance committee roles in mid-market manufacturing, FMCG, agri, real estate, and FinTech companies.

Experience

Work history, roles, and key accomplishments

Current

Business and Credit Analyst

Current

YES BANK

Aug 2023 - Present (3 years 3 months)

Medium enterprises with ₹100-500 crore turnover often face a critical gap -their financials are maintained for compliance, not for capital readiness. When banks review these files, the mismatch between ambition and documentation costs companies time, better rates, and sometimes the loan itself.
This role sits at the center of that gap. Assessing working capital proposals for medium enterprises

Relationship Manager

IndusInd Bank

Feb 2023 - Jul 2023 (5 months)

Most credit professionals rarely sit across the table from the borrower. This role changed that. For the first time in the career journey, the challenge was not just assessing a company's financials - it was managing the relationship between the bank and its clients directly.

Working with SME and mid-market borrowers in the Punjab region, the focus was on understanding client needs, structuring

Credit Analyst

Axis Bank Limited

Mar 2022 - Feb 2023 (11 months)

India's Agri and food processing sector operates on razor-thin margins, seasonal cash flows, and complex supply chains. When a rice mill or a dairy cooperative applies for working capital, the credit assessment must account for harvest cycles, commodity price swings, and regulatory requirements that don't exist in other sectors.
At Axis Bank, the focus was entirely on Agri and Agri-aligned indust

Credit Risk Manager

Kotak Mahindra Bank

Mar 2019 - Feb 2022 (2 years 11 months)

When an SME applies for a ₹50 crore working capital facility, the credit risk assessment is not just about the numbers. It is about the business model, the promoter's track record, the industry cycle, and whether the company's internal controls can sustain that level of borrowing. Getting it wrong means bad debt for the bank. Getting it right means a company gets the capital it needs to grow.

At

Credit Analyst

IndusInd Bank

Jan 2016 - Feb 2019 (3 years 1 month)

Moving from a credit rating agency to a bank changes the question entirely. At a rating agency, the job is to evaluate and assign a grade. At a bank, the job is to decide whether to lend real money. The stakes are different. The scrutiny is deeper. And the consequences of getting it wrong show up on the bank's balance sheet.
At IndusInd Bank, assessed working capital loans for small enterprises w

Rating Analyst

Credit Analysis & Research Ltd. (CARE Ratings)

Jan 2014 - Dec 2015 (1 year 11 months)

Every company tells a story through its financials. A credit rating agency's job is to read that story objectively and assign a grade that banks, investors, and regulators rely on. When the rating is wrong, the consequences ripple across the financial system. When it is right, it builds the trust that keeps capital flowing.

At CARE Ratings - one of India's SEBI-registered credit rating agencies