Open to opportunities

Sonal Singh

@sonalsingh6

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I build equity research, valuation, and credit risk models that turn financial data into investment insights.

India

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What I'm looking for

I'm seeking finance opportunities where I can apply equity research, valuation, credit risk modelling, and analytical problem-solving to deliver business and financial insights.

I've built equity research and credit risk models at Paterson Securities, including a weighted credit scoring model for 12 Indian corporate bond issuers that achieved 75% within-one-notch accuracy against CRISIL, ICRA, and CARE ratings.

I modelled one-year probability of default using Altman Z-Score, the Merton Structural Model, and a CRISIL-calibrated ensemble. Validating the model against live Indian bond credit spreads produced a Pearson correlation of +0.94.

I also researched Hindustan Unilever, built a DCF valuation model using WACC, terminal growth, and sensitivity analysis, and managed a mid-cap portfolio using Sharpe Ratio and Beta. My academic work includes comparative financial analysis of South Indian Bank and UCO Bank, alongside an IPO industry analysis of IGI.

I'm completing a PGDM in Finance and Operations and bring hands-on capability in financial modelling, valuation, ratio analysis, credit assessment, Bloomberg, Excel, and Python.

Experience

Work history, roles, and key accomplishments

Equity Research & Credit Risk Intern

Paterson Securities Pvt. Ltd.

Jun 2025 - Jul 2026 (1 year 1 month)

Engineered a proprietary 5-ratio weighted credit scoring model across 12 Indian corporate bond issuers, achieving 75% within-one-notch accuracy vs. CRISIL/ICRA/CARE ratings. Modelled 1-year Probability of Default using Altman Z-Score, Merton Structural Model, and a CRISIL-calibrated ensemble, validated against live bond credit spreads with Pearson r = +0.94. Conducted equity research on Hindustan