Kadri I.

About Kadri I.

Portfolio Manager and Credit Risk professional with 4+ years of experience across HDFC Bank and ICICI Bank, specializing in portfolio analytics, credit risk assessment, financial modeling, and data-driven investment decisioning. Strong track record of transforming complex financial and behavioral data into actionable insights that improve portfolio performance, risk governance, and client outcomes.In my current and previous roles, I have analyzed and managed portfolios for 500+ clients, delivering customized asset allocation, risk profiling, and valuation-driven advisory solutions. I have scaled Assets Under Management (AUM) by 71.4%(₹70 Cr → ₹120 Cr) while maintaining a 95% client retention rate, earning recognition as “Relationship Manager of the Year.”My expertise spans financial statement analysis, valuation modeling (DCF, SOTP, Relative Valuation, EBITDA & multiple-based analysis), earnings and cash-flow forecasting, and portfolio performance evaluation. I regularly assess risk–return trade-offs, concentration risk, sector exposure, and macroeconomic drivers to support proactive rebalancing and long-term alpha generation.On the credit risk and analytics side, I have supported risk evaluation across the customer lifecycle, including product suitability, portfolio health monitoring, early warning indicators, and strategy performance analysis. I work extensively with SQL and Python to extract, clean, and analyze large datasets, and build automated dashboards and MIS reports using Excel, Power BI, and Tableau to enable faster, data-backed decision-making.I have partnered closely with product, investment desk, analytics, policy, and compliance teams to strengthen advisory quality, improve risk governance, and ensure alignment with internal controls and regulatory expectations. Known for strong stakeholder communication, I bridge the gap between data, risk, and business outcomes while working with HNI, NRI, and institutional stakeholders.Core Focus Areas:Financial Modeling & Valuation | Credit Risk & Portfolio Analytics | SQL & Python-Driven Analysis | Excel, Power BI & Tableau Dashboards | Risk-Return Optimization | Strategic Insights from Data

Experience

1. Portfolio Manager

   HDFC Bank

   Sep 2022 — Present · IN

   Analyzed and evaluated equity and debt portfolio holdings at a security-level, assessing fundamentals, earnings trends, valuation multiples, and sector outlooks to deliver buy/hold/sell recommendations aligned with client risk profiles.•Performed detailed financial statement analysis (P&L, Balance Sheet, Cash Flow) and ratio analysis to benchmark company performance versus indices and peer groups.•Built, modeled, and maintained valuation frameworks including DCF, SOTP, Relative Valuation, EBITDA multiples, and intrinsic value estimates to identify alpha-generating investment opportunities.•Forecasted earnings, cash flows, and growth assumptions using Excel, Python, and SQL to support long-term investment theses, valuation accuracy, and portfolio construction decisions.•Monitored macroeconomic indicators, currency movements, interest rate trends, and global market developments to evaluate portfolio risk exposure and recommend timely portfolio rebalancing strategies, particularly for NRI portfolios.•Structured, automated, and visualized portfolio performance dashboards using Advanced Excel, Power BI, and Tableau, improving reporting accuracy, transparency, and decision-making efficiency.•Queried and analyzed large financial datasets using SQL and Python to enhance portfolio analytics, performance attribution, and client reporting.•Prepared investment research notes, valuation summaries, and strategy presentations for client review meetings and senior management discussions, supporting data-driven advisory decisions.•Achieved 71.4% growth in Assets Under Management (AUM), scaling portfolios from ₹70 Cr to ₹120 Cr, while maintaining a 95% client retention rate, earning recognition as “Relationship Manager of the Year.Tools & SkillsFinancial Modeling, Valuation (DCF, SOTP, Relative), EBITDA & Multiple Analysis, Portfolio Evaluation, Risk Profiling, Investment Advisory, Advanced Excel, Python, SQL, Power BI, Tableau, Market & Macro Analysis, Client Reporting

Education

• Veer Narmad South Gujarat University, Surat

  Bachelor of Commerce - BCom, Advance Accounting And Auditing

• Gujarat Technological University (GTU)

  Master of Business Administration - MBA, Banking, Corporate, Finance, and Securities Law