Aditya S.

About Aditya S.

CFA-certified Credit Risk Officer with 10+ years of experience across investment & …

Experience

1. Associate Vice President

   Credit Suisse

   Jan 2019 — Present · Mumbai, IN

   Independently assessed High-Net-Worth Individuals (HNIs) for suitability of leverage based on creditworthiness, financial statements analysis, credit history, risk tolerance limits, and collateral quality.Independently performed fundamental credit analysis for APAC corporates, banks, FIs, and hedge fund counter-parties and assigned internal rating and facility limits. Exercised credit judgement to assess whether the transaction structures comply with the firm\'s risk appetite, regional legislation, and CS\'s internal standards.Worked with Credit Control, Loan Operations, and Credit Valuation Monitoring teams to ensure risk systems reflect, authorise, and monitor approved credit transactions effectively.Coordinated model improvement initiatives with HK, SG, and Zurich teams to unify how PB risk systems and platforms compute and manage risk exposures across geographies.Performed end to end credit-related due diligence for PTC transactions (cumulative value USD130mn), which included meeting the clients (NBFCs/FinTech’s) to understand their requirement and business model, reviewing the client’s loan book performance, finalising the transaction structure, assigning an internal rating to the transaction, and putting in place risk mitigants to effectively manage the risk; underlying assets included unsecured personal loans, vehicle lending and consumer durable loans.Independently created a monthly MIS report, flagging all relevant performance parameters for the PTC transactions, which was eventually shared throughout APAC CRM management.

Education

• Delhi Technological University (Formerly DCE)

  Bachelor's Degree

  2009 — 2013

• St Michael’s High School

  High school

  1998 — 2008

• Brown University

  Master's Degree

  2013 — 2014

• CFA Institute

  Finance

  2015 — 2018