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Saksham Paliwal

@sakshampaliwal

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Finance professional skilled in credit analysis, valuation, and financial modeling.

France

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What I'm looking for

I seek a finance role where I can apply credit and valuation expertise, collaborate with cross-functional teams, and contribute to transaction execution and strategic investment decisions in a growth-oriented environment.

I am an analytical, results-driven finance graduate with hands-on experience in credit analysis, valuation, and corporate finance across diverse markets. I have supported transaction execution and provided high-quality insights for investment decisions at institutional and corporate settings.

At AXA I produced credit assessments for a €2Bn portfolio, built and stress-tested integrated financial models, and prepared rating benchmarks aligned with S&P/Moody's frameworks. Previously, I led pricing and working-capital analyses at British American Tobacco and implemented expense optimization and revenue-growth initiatives in a full-time financial analyst role.

I am proficient with Bloomberg, Capital IQ, SAP, Excel and Python, and I hold training in investment banking, M&A, and valuation. I communicate effectively in English and have conversational French, and I seek to apply my analytical rigor and collaborative approach to drive disciplined investment or corporate-finance decisions.

Experience

Work history, roles, and key accomplishments

Fixed Income Credit Analyst

AXA

Jan 2025 - Jul 2025 (6 months)

Delivered credit assessments for 50+ corporates across TMT, Autos and Metals covering a €2Bn portfolio; built and stress-tested integrated financial models and produced 25+ analytical benchmarks for credit committees.

Credit Analysis Financial Modeling ESG Integration Capital IQ Excel)

Commercial Financial Analyst

British American Tobacco

Jul 2023 - Dec 2023 (5 months)

Led pricing and segmentation analysis identifying 5% anomalies, developed scenario-based working capital and cash-flow models to reduce treasury risk, and built Power BI dashboards for senior reporting.

Pricing Analysis Working Capital Power BI Forecasting Excel)

Financial Analyst

The Orange Tales

Jan 2020 - Jan 2021 (1 year)

Implemented expense optimization and revenue growth analyses that improved profit margins by 10% and reduced customer acquisition cost by 20% through KPI analysis and competitive benchmarking.

Financial Analysis KPI Tracking Customer Acquisition Market Research Excel)Financial Modeling

Education

Degrees, certifications, and relevant coursework

SKEMA Business School

Master’s in Management; MSc International Business, International Business / Management

2022 -

Grade: 3.4 / 4.0

Pursuing a Master’s in Management and MSc International Business with coursework in corporate finance, valuation, M&A, economics, and statistics; master thesis on inflationary trends in Europe and the United States.