Hiranmoy Karmakar

Executive Financial Analyst @Datamatics

Nashik, IN

Financial AnalystRoles & Responsibilities- Conduct comprehensive credit-oriented financial analysis of global corporate and insurance entities, supporting credit reviews and portfolio risk monitoring in line with Fitch’s analytical frameworks- Perform financial spreading of balance sheet, income statement, and cash flow data to assess creditworthiness, liquidity strength, leverage, and profitability sustainability- Analyze cash flow generation, funding structure, capital adequacy, and balance sheet resilience, identifying vulnerabilities under stress scenarios- Propose risk indicators and internal credit views based on ratio trends, asset quality, liability structure, and earnings stability-Assess industry risk, competitive positioning, and macroeconomic sensitivity, incorporating market dynamics into credit analysis- Ensure high data accuracy, confidentiality, and regulatory compliance while maintaining audit-ready documentation- Support client due diligence by validating disclosures, resolving discrepancies, and strengthening transparency in reporting- Collaborate with senior analysts and stakeholders to deliver succinct, decision-ready credit insights under tight timelines- Mentor junior analysts, perform quality checks, and drive continuous improvement in risk analysis standards.