Dhirendra Kushwaha

About Dhirendra Kushwaha

Versatile finance professional with experience across credit risk, financial analysis…

Experience

1. Credit Risk Analyst

   Targray

   Sep 2023 — Present · Gurugram, IN

   Manage counterparty credit risk for North American business, conducting in-depth credit assessments, financial statement analysis, and assigning internal credit ratings to evaluate creditworthiness.Perform detailed financial spreading in Excel, analyzing liquidity, leverage, profitability, and cash flow metrics to assess counterparties’ financial strength and default risk.Oversee credit limit management, adjusting limits based on creditworthiness, risk appetite, and trading volumes, while ensuring compliance with internal credit policies and regulatory requirements.Track and manage security instruments, including parent company guarantees, letters of credit, and credit insurance, to mitigate credit exposure and safeguard against defaults.Prepare comprehensive credit reports and conduct quarterly/annual reviews, providing insights into key risk factors, corporate structures, revenue models, and financial trends impacting credit decisions.Coordinate with trading, operations, and legal teams to understand business needs, resolve credit limit overutilization, and negotiate terms with counterparties to manage risk exposure effectively.Engage directly with counterparties and external stakeholders to negotiate risk mitigants, secure credit terms, and monitor ongoing credit performance, ensuring timely invoicing and collection.

Education

• Sarvodaya Co-Ed Senior Secondary School

  High School

• Sri Aurobindo College

  Bachelor of Commerce - BCom

  2016 — 2019