Amey Patale

About Amey Patale

Experienced Project Specialist with a demonstrated history of working in the information technology and services industry. Has an understanding of Structured Finance asset class from the perspective of US economy. Economic policies, Credit Analysis, Analyzing Global Economic/ Political scenarios, Banking and Automation are the areas of interests. Strong program and project management professional with a PGDM focused in Finance from K.J. Somaiya Institute Of Management Studies and Research.

Experience

1. Lead Analyst

   Crisil

   Apr 2023 — Present · Mumbai, IN

   Responsible for Credit, Non-Credit Analysis of US ABS Student Loan(FFELP and Private), Personal Loans, Auto Loan, Auto-Leases, Equipment leases, Credit Cards asset classes from a surveillance and a New issue perspective that includes master trusts, discrete trusts2. Leading Gen AI initiative by creating training content, conducting workshops, creating use-cases - prompt engineering - for standardization in analysis across asset classes, regions3. Responsible to run Cashflows for both Private and FFELP ABS Student Loan transactions4. Understanding deal documentation (Indentures/ Prospectus, Servicing Agreements, Additional Covenant agreements) to gain insights on deal structure(Waterfall [H, Y shaped structure], Triggers[Interest Reprioritization, Change in Principal Payments/ Subordinate Lock-Out triggers], Bond types [Serial, Sinking Fund, ARS, Libor Rate, Fixed Rate etc], Event of Defaults[Monetary/ Non-Monetary], Cost of Funds, Redemption provisions, embedded optional call etc), understanding the unique aspects of collateral (Origination Stds, Loan Payment Lifecycle, Different loan programs [Private: IO/IR/ Deferred, FFELP: Floor Income, Rehab, Consolidation, Stafford], Origination history and performance information) and tieing it to the risks(Credit, Liquidity, Prepayment, Legal, Counterparty, Operational) present in the structure.5. Automation of various surveillance related metrics of Student Loan ABS using Python- Pandas, Numpy, xlswriter libraries and VBA. Built 5 use-cases in python and maintaining, enhancing 3 use-cases in VBA.6. Undertaking Portfolio review of all SLABS (Private and FFELP) on a Monthly frequency. Training new members on both Credit and Non-Credit Analysis of SLABS and performing quality review. Understanding other ABS asset classes like Consumer Loans, Credit Cards, Dealer Floorplans, Manufactured Housing etc.

Education

• K J Somaiya Institute of Management

  PGDM, Finance

  2017 — 2019

• MCT's Rajiv Gandhi Institute Of Technology

  B.E., Computer Engineering

  2010 — 2014

Skills

• Microsoft Excel
• Powerpoint
• Sun Certified Java Programmer
• Test Automation
• Java
• Selenium Webdriver
• Selenium Testing
• Istqb Certified
• Microsoft Sql Server
• Ncfm Certified
• Uft
• C
• Microsoft Office
• Teamwork
• Monster India Certified Web Technologist
• Microsoft Certified Professional
• Cp-Bat Certified
• Sql
• Hp Qtp
• Cp-Sat Certified
• C++
• Perfecto
• Microsoft Word