Jithin K
Credit Analyst @Tap Invest
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WORK HISTORY
Credit Analyst @Tap Invest
Conduct end-to-end credit evaluation for private credit transactions, including assessment of business fundamentals, financial performance, and borrower risk profile.• Completed credit assessments for 50+ companies across manufacturing, consumer goods, infrastructure services, and emerging sectors.• Analyze historical and projected financial statements to evaluate cash flow sustainability, leverage, liquidity, and repayment capacity.• Assess business models, industry dynamics, competitive positioning, and scalability to identify key credit risks and opportunities.• Perform promoter and management due diligence, including background checks, execution capability, and governance assessment.• Prepare detailed investment memos for internal risk and investment committees covering business overview, key drivers, risks, mitigants, and return profile.• Collaborate with internal teams to structure debt transactions aligned with borrower cash flows, security coverage, and downside protection.• Support deal structuring through analysis of covenants, collateral, repayment structures, and risk mitigants to ensure credit protection.• Provide clear, data-driven credit recommendations with sound judgment and turnaround time suitable for live deal environments.
EDUCATION
Chovva Higher Secondary School
Plus Two, Bio science
Kannur University
Bachelor of Business Administration - BBA, Business Administration and Management, General
Christ University, Bangalore
Master of Business Administration - MBA, Finance
ABOUT JITHIN K
I am a recent MBA graduate from Christ University, specializing in Finance, with a solid academic foundation in Business Administration from Kannur University. I bring hands-on experience in financial analysis, strategic research, and market insights through my roles at Hedge Equities Ltd and Auracle Learning.At Hedge Equities, I worked as a Junior Financial Analyst, where I supported revenue assessments, analyzed financial trends, and contributed to investment research that enabled data-driven decision-making.Previously, at Auracle Learning, I identified key customer pain points and recommended a revenue-enhancing program. I also conducted competitive analysis that influenced strategic planning and product positioning.
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