Pushp Mitra

About Pushp Mitra

Credit risk professional with over 8 years of diverse experience across international banks, real estate consulting, and investment platforms. Specializes in credit analysis and structuring complex commercial real estate (CRE) and SME loans in the UK market, with over five years of experience in credit underwriting. My strengths include crafting high-quality credit papers, advanced financial modeling, and thorough due diligence to support strategic lending decisions at credit committee forumsDemonstrated leadership in managing teams, interacting with senior stakeholders, and executing deals across various asset classes, including office, retail, industrial, mixed-use, and special-purpose assetsA postgraduate from IIM Raipur and a graduate of Shri Ram College of Commerce, with additional CFA Level I credentials

Experience

1. Deputy Vice President, Credit Analytics

   OakNorth

   Apr 2025 — Present · Gurugram, IN

   Credit underwriting and monitoring of business and commercial real estate (CRE) loans across industries and facility for UK SME marketsPreparing detailed financial models and credit reports evaluating the credit worthiness of the corporates by analyzing financial statements/ratios, key strengths, risk and mitigants, business performance, management, peers, industry and macroeconomic trendsBuilding valuation models including DCF, comps-based property valuation, gross development value, construction estimates, and residual value analysis, as applicable to estimate market value for financing purposes including a variety of properties like office, retail, industrial, PBSA, mixed-use, special-use, hotel etc. Conducting sensitivity and scenario analysis for stress testing the loans for serviceability and recommending covenantsConducting market analysis (vacancy rate, yields, rental growth, demand-supply scenario etc.) to understand impact on external factors on property valuation and loan serviceability.Creating industry dashboards to act as reference point for loans in particular sub-sectors.Regularly engaging with Borrowers, Debt Finance Directors (RMs), Credit Risk Directors, Legal during deal structuring and underwriting from loan origination to disbursal

Education

• Indian Institute of Management Raipur

  PGDM, Finance and Strategy

  2015 — 2017

• Shri Ram College of Commerce (SRCC)

  Bachelor of Commerce (B.Com(H)), Accounting and Finance

  2009 — 2012

Skills

• Private Equity
• Financial Modeling
• Business Transformation
• Forecasting
• Financial Reporting
• Management Consulting
• Tax
• Corporate Finance
• External Audit
• Business Analysis
• Financial Analysis
• Hyperion Financial Reporting
• Microsoft Powerpoint
• Business Strategy
• Portfolio Management
• Hyperion Planning
• Mergers & Acquisitions
• Internal Audit
• Auditing
• Fixed Income
• Fina
• Obiee
• Python
• Oracle Olap
• Accounting
• Research
• Financial Accounting
• Sap Businessobjects
• Powerpoint
• Microsoft Excel
• Big 4
• Sql
• Budgeting
• Microsoft Office
• Bloomberg Terminal