Rainy Thomas
Credit Risk Analyst | Retail & MSME Underwriting | RBI-Compliant Credit Appraisal | Cash Flow, Bureau & GST Analysis | Kotak Mahindra Bank
- Role
- Credit Analyst at Kotak Mahindra Bank
- Location
- New Delhi, DL, IN
- LinkedIn followers
- 500 followers
About Rainy Thomas
Credit Risk Analyst with hands-on experience in retail and MSME underwriting within a regulated banking environment. Currently associated with Kotak Mahindra Bank, supporting credit decisioning through structured analysis of financial statements, bank statements, GST returns, income documents, and bureau reports in line with RBI guidelines and internal risk frameworks.My work involves evaluating borrower repayment capacity, identifying early risk indicators, and supporting risk and business teams through cash-flow analysis, leverage assessment, and liquidity evaluation.I bring additional exposure to financial modeling, DCF valuation, fundamental equity research, and accounting & taxation, enabling a strong foundation across credit risk and corporate finance. I am keen to work in global MNC environments where analytical rigor, governance, and data-driven decision-making are core to risk management.SkillsCredit Risk AnalysisCredit Appraisal & UnderwritingRetail & MSME LendingBureau Analysis (CIBIL)Cash Flow AnalysisFinancial Statement AnalysisGST AnalysisRBI Credit FrameworkFinancial ModelingDCF ValuationRatio AnalysisAccounting & TaxationMicrosoft Excel
Experience
Credit Analyst
Sep 2025 — Present · Noida, IN
Perform end-to-end credit appraisal for retail and MSME borrowers using financial statements, bank statements, GST returns, income proofs, and bureau reports• Assess borrower repayment capacity through cash-flow analysis, leverage ratios, liquidity metrics, and obligation profiling• Prepare structured credit appraisal notes aligned with RBI guidelines and internal risk policies• Identify early warning signals, documentation gaps, and compliance risks during underwriting• Support risk and business teams in credit decisioning and ongoing account monitoring
Education
Kalinga University, Raipur
Bachelor of Commerce - BCom
2015 — 2018
Amity University, Noida
Master of Business Administration - MBA
2023 — 2025
Nice Tec Society for Electronic & Computer Technology
Post graduate diploma in computer application
2018 — 2019
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