Nidhi Shrimal

Analyst @HSBC

Bengaluru, IN

Conducted high-quality annual credit research reports for the Global Banking (GB) Relationship Management Team at INM (India), covering banks, NBFIs, insurance companies and large corporates.• Led detailed financial statement analysis by evaluating profitability & operating performance, liquidity positions, capital adequacy, key performance indicators and financial ratios to provide data-driven insights for risk assessment and strategic decision-making.• Performed financial forecasting and variance analysis to project future performance, assess deviations from expected outcomes, and identify key financial risks and opportunities.• Performing comprehensive industry and competitor analysis,stress testing, scenario analysis, regulatory compliance and detailed management assessment.• Assisted Relationship Managers in generating accurate Credit Risk Ratings (CRR) by evaluating both financial and non-financial factors,ensuring well-rounded credit assessments.• Assessed key financial and operational risks by identifying potential vulnerabilities in client portfolios and recommended risk mitigations, including capital structure optimization and contingency planning, to enhance financial stability and minimize exposure.• Fostered strong working relationships with Relationship Managers and risk executives to effectively identify and address both financial and non-financial risks.• Adhered to all relevant HSBC Group policies, Financial Instruction Manuals (FIM) guidelines and procedures.