N Sai Vaibhavi
Business Analyst @Genpact
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WORK HISTORY
Business Analyst @Genpact
Hyderabad, IN
In my role as a Business Analyst at Genpact, I specialized in credit analysis within the wholesale commercial lending sector. • Completed 500+ annual reviews and underwritings of retail and wholesale commercial banking borrowers, ensuring compliance with SOPs and risk policies.• Analyzed more than 10 product lines including floorplan, RLOC, term loans, real estate loans, mortgage loans, and retail commercial banking products. Performed detailed financial statement analysis, ratio analysis, and financial modeling to assess borrower repayment capacity.• Spread 100+ dealership financials into risk platforms, enabling standardized revenue analysis across counterparties and periods.•Supported creation and updating of risk assessment models by incorporating financial metrics; generated internal risk ratings to support credit decisions and portfolio management.• Calculated and monitored financial covenants, ratios, and yield metrics, strengthening accuracy of credit evaluations.• Conducted regular monitoring of 10+ high net worth dealerships per month, tracked exposure levels, rating changes, and industry developments, ensuring adherence to risk appetite.
EDUCATION
Delhi University
B.com Honours
Institute of Management Studies, Banaras Hindu University
Master of Business Administration - MBA
ABOUT N SAI VAIBHAVI
I am a finance professional with experience in credit analysis, underwriting, and portfolio monitoring, specializing in assessing the creditworthiness of corporate borrowers. My work has involved financial statement analysis (income statement, balance sheet, cash flows), covenant monitoring, risk rating, and compliance checks, ensuring portfolio quality within defined risk appetite.I have collaborated with onshore analysts to prepare credit memos, exposure summaries, and regulatory documentation, supporting informed lending and investment decisions. My expertise also includes financial spreading of borrower statements into risk platforms, enabling standardized comparisons across counterparties and periods—an essential step in accurate credit risk assessment.Passionate about credit risk management, investment analysis, and financial markets, I bring strong analytical skills, attention to detail, and the ability to manage complex financial data in a structured, decision-focused manner. I am keen to deepen my expertise in private equity, private credit, and counterparty risk evaluation while contributing to global credit and risk management functions.
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