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Swapnika Nadimpalli

@swapnikanadimpalli

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Credit Analyst and finance researcher specializing in credit risk, leveraged finance, and early warning indicators.

India

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What I'm looking for

I’m looking for a Credit Analyst or research role where I can deliver in-depth financial analysis, credit surveillance, and early warning insights—using rigorous ratio trend work and models to support smarter, faster risk decisions.

I’m a Credit Analyst with hands-on experience delivering in-depth credit surveillance and financial analysis for a 50+ company portfolio, specializing in credit analysis, capital structure modeling, and early warning indicator tracking. Backed by Big 4 (PwC) experience and an MBA in Finance & Marketing, I focus on ratio-based frameworks that make refinancing risk and debt maturity pressures visible early.

In my current work, I maintain end-to-end debt analysis, build and review financial and non-financial models, and publish analytical reports on debt maturities and issuer KPIs. I’m especially effective at flagging credit stress signals—declining EBITDA margins, rising leverage, deteriorating interest coverage, and compressed free cash flow—so stakeholders can take proactive action before distress escalates.

Experience

Work history, roles, and key accomplishments

Credit Analyst Intern

REDD Intelligence

Jun 2024 - Mar 2025 (9 months)

Maintained end-to-end debt analysis for a portfolio of 50+ corporates, tracking maturity profiles, refinancing risk, and capital structure changes. Built credit and financial/non-financial models and used early warning indicators (e.g., declining EBITDA margins, rising leverage, weaker interest coverage) to flag potential distress for proactive risk monitoring.

Credit Analysis Credit Monitoring Financial Modeling Debt Maturity Analysis EBITDA Cbonds Power BI

Finance Research Intern

Anthill Ventures

Dec 2020 - Mar 2021 (3 months)

Evaluated 10+ startups for investment readiness using financial analysis, risk profiling, and sector benchmarking, and prepared investment decks for internal review. Supported early-stage venture investment research and due diligence workflows.

Financial Analysis Venture Capital Research Due Diligence Financial Statement Analysis

Financial Research Intern

ZenMoney Pvt Ltd

Feb 2020 - May 2020 (3 months)

Analyzed 30+ years of macroeconomic and GDP data to identify structural economic trends and contributed to a strategic research report on India’s $5 trillion economy target. Produced insights to support ongoing finance-focused research.

Macroeconomic Research Trend Analysis Reporting Structural Economic Insights Financial Research Statistical Analysis