Parul Midha

About Parul Midha

With a decade of experience in risk, solutioning, trade, structured finance, portfolio management, and solvency risk, I operate at the intersection of financial institutions and resource sectors, driving risk mitigation and capital optimization strategies. My expertise encompasses comprehensive credit underwriting, structured lending solutions, and enterprise-wide risk assessments, ensuring portfolio resilience across complex, multi-jurisdictional markets.At BHP, I lead risk oversight for the Energy & Carbon Portfolio risk management while managing supplier solvency and procurement performance risk. I leverage data-driven insights to enhance supply chain financial health, supporting BHP’s decarbonization agenda with robust risk assessment across the portfolio in North America, Australia, Europe, LATAM, and the Middle East.Additionally, I founded and lead the Gender Equity Network for BHP India, championing diversity and inclusion initiatives within the organization. My prior roles at NatWest, Deutsche Bank, and ICICI Bank involved credit risk analysis and portfolio management for mid-to-large corporates and financial institutions. I developed and executed structured financing solutions, optimized capital allocation, and conducted in-depth credit due diligence aligned with Basel standards and ESG integration. I also actively contributed to sustainability governance and diversity initiatives within the banking sector.Academically, I hold an MBA in Finance from TAPMI, an MSc in IT, and a B. Sc (Hons) from Hansraj College. I am certified in SCR by GARP, Governance by ADB, and climate risk management by Imperial College London and the University of Edinburgh.Key competencies: Credit Risk Management | Structured Finance | Portfolio Risk Strategy | Solvency and Supply Chain Risk | ESG & Climate Risk | Regulatory Compliance (Basel Mining Sector Finance | Banking & Consulting Expertise | Decarbonization Initiatives | Global Market Exposure (North America,Australia, Europe, LATAM, Middle East)

Experience

1. Commercial Risk Governance & Analytics

   BHP

   Feb 2022 — Present

   Risk Management-Develop new structured financing for end-to-end transactions and risk management solutions that enable commercial strategies through value creation, risk mitigation, and optimization of working capital and supply chain constraints for energy carbon portfolio-Building and maintaining stochastic risk models for all core risk indicators (PD, LGD, EAD, Cost of Credit, ESG Metrics)-Creating ESG scorecards for customer assessment while working in advisory capacity with carbon desk for new opportunities-Carrying extensive research on Bloomberg platform, Sustainlytics, S&P capitalIQ, ISS ESG platforms to assess assets/funds/ corporate credit ratings, ESG assessment, carbon emissions, SFDR disclosure, and tracking any material market movements leading to principal adverse impact-Assist Sustainable strategy team with ESG considerations and undertaking review-Analyzing Sustainable trends across the portfolio of client, along with reviewing Climate Risk disclosures and Environmental score card, while conducting due diligence practices-Working on the carbon trading mandate for BHP sale of Carbon credits for BHP to retire 2017/2018 credits-Understanding and analyzing data in its raw form, further presenting it into Decision making format, covering business performances to Approval Committees and board presentations-Performing Sustainable Financial Disclosure Reporting Review for potential strategic partnership with further involvement in reviewing Regulatory risk such as EU Taxonomy/ diligence checks-Designed the weekly portfolio monitoring for various KPI\'s of customers/suppliers using PowerBI dashboards-Contributed to strategic projects to support business goals for 2030 Agenda such as Petroleum divestment, OZ Minerals acquisition and Integration for future facing commodities, Tata steel Synergy agreement for Green Steel production, Neoen PPA for renewable energy inbound supply, S4 Hana Migration - SAP, Credit template Redesign

Education

• Hansraj College

  BSc - Bachelor of Science, Electrical, Electronics and Communications Engineering

• Delhi University

  Master of Science - MS, Information Technology

• The University of Edinburgh

  Certificate course, Climate Financial solutions

• Imperial College London

  Certificate, Climate change : Risk and transitioning

• T A Pai Management Institute, Manipal

  Master of Business Administration - MBA, Finance, Information technology

• The Chartered Banker Institute

  Diploma in lending skills, Banking, Corporate, Finance, and Securities Law

  2019 — 2020