Sourabh Roy

About Sourabh Roy

PGDM from Dy patil b school,pune.

Experience

1. Credit Associate

   Acuity Analytics

   May 2024 — Present · Bengaluru, IN

   Prepared detailed credit memos for municipal and corporate borrowers, summarizing business risk, financial risk, management assessment, security structure, and covenant compliance to support internal credit rating decisions. • Conducted comprehensive credit assessments by analyzing financial statements, industry outlook, competitive position, liquidity profile, leverage metrics, and cash-flow stability to determine the borrower’s overall creditworthiness. • Performed detailed ratio analysis (liquidity, profitability, solvency, coverage, efficiency ratios) to identify financial trends, evaluate stability, and quantify credit risk exposure. • Carried out qualitative credit analysis, including management quality evaluation, operational risks, market position, revenue sustainability, and event-based risk assessment. • Monitored a portfolio of municipal and corporate credits, tracking rating changes, financial performance, covenant adherence, and early-warning indicators, and provided data-backed recommendations. • Assisted in assessing working capital cycles, cash-flow adequacy, debt repayment capability, and potential credit red flags such as declining margins, rising leverage, and stress in receivables. • Ensured accurate collection and verification of all financial documents, including audited financials, management reports, and operational data required for credit underwriting. • Updated and maintained credit-related information in IBM Lotus Notes (CDT), Salesforce (nCino), and Moody’s CreditLens, ensuring high accuracy, consistency, and compliance with internal guidelines.

Education

• Dr. D. Y. Patil B-School, Pune

  PGDM

• Maharaja Agrasen Internation College Samata Colony

  Bachelor of Commerce - BCom