Mukul Sahu

About Mukul Sahu

Semi-qualified CMA with over 3 years of experience in credit risk assessment, financial…

Experience

1. Rating Analyst

   Brickwork Ratings

   Feb 2025 — Present · New Delhi, IN

   Led end-to-end credit rating assignments across Manufacturing, Trading, and Service sectors, covering BLRs and NCDs for Mid Corporate Groups (MCG) with exposure up to Rs.300 Crs, for listed and unlisted entities.• Conducted thorough due diligence through management meetings, site visits, and interactions with bankers, auditors, and other key stakeholders.• Developed comprehensive financial models incorporating historical analysis, future projections, stress testing, and sensitivity analysis to evaluate credit risk under multiple scenarios.• Actively serving as a Rating Committee Member for high-value cases with aggregate debt exposure up to Rs.300 Crs, participating in credit opinion formulation and final rating decisions.• Prepared detailed rating rationales, rating letters, and internal committee presentations, covering in-depth financial analysis, key rating drivers, business and industry risks, operational risk, credit risk, and peer comparisons.• Assessed the operational and strategic outlook of companies, benchmarked entities against peers, and evaluated industry trends to support forward-looking credit decisions.• Conducted full-spectrum financial analysis, including P&L, balance sheet, cash flow statements, and key financial ratios (profitability, liquidity, solvency).• Ensured compliance with SEBI & RBI guidelines and internal SOPs while maintaining proper documentation and timely rating actions.• Contributed to sectoral and thematic research publications to enhance analytical visibility and inform credit decisions.• Stayed abreast of macroeconomic and sectoral developments to adjust credit perspectives and risk ratings proactively.• Mentored junior analysts, trainee and collaborated cross-functionally to uphold analytical consistency, risk standards and rating integrity.

Education

• Mar Gregorius Memorial Senior Secondary School Bhilai

  Higher secondary

• Institute of Cost Accountants of India

  CMA Intermediate

• Shri Shankaracharya mahavidyalaya junwani

  M.Com (Master of Commerce)

• Shri shankaracharya Mahavidyalaya junwani bhilai

  B.Com (Bachelor of Commerce)