Noushad P A

About Noushad P A

With over four years of experience in credit analysis and financial risk assessment, I bring a strong foundation in evaluating and managing credit portfolios across the banking and NBFC sectors. I’m currently honing my expertise at FundFina, where I work closely with lending and enterprise partners to optimize loan processes and ensure robust credit solutions. My past experience includes a role at an international bank, enhancing my insights into global finance practices.I hold an MBA in Data Analytics and Finance from St. Aloysius College, Mangalore, and a BBA from Bharathiar University College, Coimbatore. Skilled in tools like Excel, SAS, SPSS, STATA, and Odoo (CRM), I combine technical expertise with strategic analysis to drive informed, data-driven decisions. My linguistic capabilities in English, Malayalam, Tamil, Hindi, and Arabic enable me to communicate effectively across diverse teams and clientele.I’m passionate about advancing credit operations through reliable data insights and look forward to connecting with like-minded professionals committed to elevating the finance sector.

Experience

1. Credit Analyst

   Fundfina

   Sep 2023 — Present · IN

   Assessed business, MSME, and corporate loan applications, managing exposures up to ₹50 Cr per client, improving portfolio quality by 20%.•Developed and implemented a credit risk framework that reduced defaults by 30% across SME and corporate portfolios.•Partnered with NBFCs and banks to manage a loan book exceeding ₹300 Cr, ensuring adherence to internal and regulatory credit policies.•Performed cash flow forecasting, ratio analysis, and stress testing for high-value clients, strengthening risk-adjusted lending decisions.•Executed sectoral and industry risk reviews, influencing credit grading and loan approval decisions for top-tier clients.•Enhanced early-warning systems and portfolio monitoring tools, identifying high-risk accounts and mitigating potential losses.

Education

• Bharathiar University College of Arts and Science

  Bachelor's degree

• Bharathiar University

  Bachelor of Business Administration

• SAS Training Institute in Delhi

  SAS, SAS software

  2021 — 2021

• St. Aloysius (Deemed to be University)

  Master of Business Administration - MBA, Finance and analytics

  2018 — 2020

• St. Aloysius (Deemed to be University)

  Master of Business Administration, Data Analytics