Andrea Ponzo
Credit Analyst @DLL
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WORK HISTORY
Credit Analyst @DLL
Milan, IT
Evaluate credit applications for SME counterparties across equipment and mobility asset classes, with a focus on financial statement analysis, behavioral credit scoring, and collateral assessment. Responsible for underwriting decisions spanning approvals, structured conditions, covenants, and denials balancing risk appetite with commercial objectives.Engage daily with originators, vendors, and internal stakeholders to ensure underwriting quality and policy compliance. Increasingly focused on understanding how individual credit decisions translate into portfolio-level outcomes, particularly in terms of delinquency patterns and collateral recovery performance.
EDUCATION
Università degli Studi di Torino
Master's degree, Financial Management and Control
Università degli Studi di Torino
Bachelor's Degree, Business Administration
Fachhochschule Wiener Neustadt
International Business Consulting
ABOUT ANDREA PONZO
Credit Analyst with 4+ years of experience in the end-to-end underwriting of high-volume asset-backed transactions across diversified equipment and mobility collateral types including industrial machinery, life sciences and medical technology equipment, IT infrastructure, construction and heavy transport assets, and light commercial equipment. My focus is on the intersection of granular credit selection and long-term portfolio performance. By analyzing the specific default drivers and recovery dynamics of leasing receivables, I provide insights into pool quality and capital optimization.I am drawn to the structural dimension of credit risk: how individual underwriting decisions aggregate into pool-level behavior, how vintage performance evolves across economic cycles, and how collateral depreciation curves interact with recovery outcomes at scale.I thrive on challenges that push me outside my comfort zone and help me evolve both professionally and personally. In my opinion, the three most important qualities in a person are integrity, curiosity, and determination.
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