Prajyot Pandit

Asst Vice President- Risk Management @HDFC Bank

Mumbai, IN

Performing financial analysis and credit rating of Wholesale segment borrowers’ (handled portfolio of approx. 250 clients to assign credit risk ratings on HDFC banks rating scale; total exposure ~ Rs 18k+ Cr); •Detailed financial analysis [i.e. Analysis of P&L Acct, Bal Sheet, CMA Forecasting] and Ratio Analysis for profitability, coverage ratios, cash accruals, gearing, operating cycle, cash flow analysis, funds flow analysis, sectoral analysis, peer comparison) •Preparing credit rating note basis analyzed risk, comparison with peers, covenant’s analysis and presenting key findings;•Use of various information sources viz. annual reports/ quarterly reports, investor presentations, con-call transcripts, equity research reports, sectoral research reports, press releases from credit rating agencies, rating reports, Cogencis reports]•Performing Annual/Quarterly Review with relevant info updates •Monitoring periodic due diligence/frameworks w.r.t. the portfolio (Viz. Overdue/SMA reporting, rating agency action framework, Share-price movement monitoring, Industry impact assessment, periodical assessment and updating industry risk scores in rating scoring framework, Industry presentations)

The Institute of Company Secretaries of India

Member

The Institute of Chartered Accountants of India

Associate Member

Corporate Finance Institute® (CFI)

FMVA® - Financial Modelling and Valuation Analyst- Currently Pursuing, Student

G. S. College of Commerce & Economics, Nagpur (Autonomous)

Bachelor of Commerce - BCom, Accounts and Finance