Kanishk Goyal

About Kanishk Goyal

Multidimensional finance professional with cross-functional expertise spanning credit risk, underwriting, trade finance, and capital markets. Core strength lies in evaluating risk through a combination of deep financial analysis, structured underwriting frameworks, and market-linked insights. Experienced in credit appraisal and due diligence, including detailed assessment of business models, repayment capacity, financial statements, banking behaviour, and legal/credit history. Adept at forming risk-calibrated recommendations aligned with both institutional objectives and regulatory standards. Brings a differentiated edge through active exposure to equity markets, enabling a broader perspective on macroeconomic trends, industry cycles, and market-driven risk transmission into credit portfolios. This integrated approach improves decision quality beyond traditional credit evaluation. Skilled in financial modelling, scenario analysis, stress testing, and valuation, with a focus on data-driven decision-making under uncertainty.Core Competencies:| Credit Analysis | Credit Underwriting | Risk Management | Portfolio Management | Financial Modelling & Valuations | Forensic Analysis | Trade Finance | Credit Appraisal | Equity & Credit Research | Economic and Industry Analysis | Microsoft office | Financial Planning & Analysis | Technical and Fundamental Analysis | Equity & Derivatives Trading |Key Strengths:| Effective Communication | Analytical Precision | Decision-Making Under Risk | Regulatory Familiarity | In-depth Research | Time Management | Adaptability to Market Dynamics | Client-Centric Approach | Leveraging AI | Integrity & Professional Ethics| Collaborator | Planner | Problem-Solving | Adaptability | Attention to detail | Interpersonal Skills | Critical Thinking | Emotional Intelligence | Leadership skills |Driven by continuous learning and real-world application, combining academic grounding with practical exposure across credit and capital markets. Competitive sports background reinforces discipline, resilience, and performance under pressure.

Experience

1. Associate, Gix Ratings

   Crisil

   Apr 2026 — Present · Mumbai, IN

Education

• Association of International Wealth Management of India (AIWMI)

  Chartered Retirement Advisor (CRA)

• K.P.B Hinduja College of Commerce

  B.Com(Financial Markets)

• Association of International Wealth Management of India (AIWMI)

  Chartered Debt Advisor (CDA)

• Association of International Wealth Management of India (AIWMI)

  Certified Credit Research Analyst (CCRA™)

• National Institute of Securities Markets (NISM)

  Series-XA: Investment Adviser (Level 1)

• National Institute of Securities Markets (NISM)

  Series-XV: Research Analyst

• JAI HIND COLLEGE, MUMBAI

  HSC, Commerce

• Association of International Wealth Management of India (AIWMI)

  Certified Investment Research Analyst (CIRA®)

• Association of International Wealth Management of India (AIWMI)

  Mutual Fund Analyst (MFA)

• National Institute of Securities Markets (NISM)

  Series-VIII: Equity Derivatives

• Jobaaj Learnings

  Investment Banking Nano Degree

• The Valuation School

  Equity Research Cohort