Palak Gupta

About Palak Gupta

Credit Risk professional with 5+ years of experience currently working as Senior Analyst – Risk at WNS Global Services, specializing in credit appraisal and portfolio monitoring for US commercial lending clients.Experienced in analyzing financial statements, operating performance, capital structure, liquidity, and debt servicing capacity to evaluate borrower creditworthiness.Skilled in credit risk assessment, financial ratio analysis, covenant monitoring, and financial modeling to support lending decisions.Proficient in preparing credit review reports, risk assessments, and assigning internal risk ratings (PD & LGD).Previously worked with Kotak Mahindra Bank, HSBC, and YES Bank across wholesale lending operations, credit administration, and loan documentation.

Experience

1. Senior Analyst

   WNS

   Feb 2026 — Present · Gurugram, IN

   Perform credit appraisal for new and existing credit requests by evaluating borrower creditworthiness through detailed analysis of business profile, industry outlook, management quality, and financial performance.* Analyze financial statements (Income Statement, Balance Sheet, and Cash Flow Statement) of public and private companies to assess operating trends, capital structure, liquidity position, and overall credit risk.* Evaluate debt servicing capacity, leverage levels, and cash flow sustainability, including calculation of adjusted net worth, recurring cash flows, annual debt service, contingent liabilities, and key financial ratios.* Review credit agreements and financial covenants to monitor borrower compliance and identify potential credit risks.* Prepare capital structure analysis, financial models, forecasts, and debt amortization schedules to assess repayment capacity and financial stability.* Normalize financial statements by adjusting non-recurring and exceptional items to determine the borrower’s true operating profitability.* Conduct portfolio monitoring activities, including preparation of coverage reports, covenant monitoring, and financial trend analysis for existing borrowers.* Assign internal risk ratings such as Probability of Default (PD) and Loss Given Default (LGD) along with detailed risk rating rationale and credit assessment reports.* Prepare comprehensive credit review reports summarizing financial analysis, key risks, mitigants, and credit recommendations for decision-making.* Provide end-to-end credit risk analytical support, including client communication, query resolution, and collaboration with cross-functional teams.

Education

• GOSWAMI GANESH DUTTA SANATAN DHARAM COLLEGE, KHERI GURNA, RAJPURA

  Bachelor of Arts - B IN COMPUTER APPLICATION, Computer Programming, Specific Applications

  2016 — 2019

• Central Board of Secondary Education

  10th , CBSE

• Chitkara University

  Master of Business Administration - MBA Finance and Banking, finance and banking

• Punjab School Education Board

  Higher Secondary, Commerce with Maths

  2015 — 2016