Swapnil Jade

About Swapnil Jade

Experienced credit professional with over 8.6+ years expertise in analyzing financial statements, debt structuring in the infrastructure sector. Skilled in preparing credit assessment notes, understanding project requirements, and ensuring responsible lending.

Experience

1. Senior Credit Analyst

   National Bank For Financing Infrastructure And Development

   Nov 2025 — Present · Mumbai, IN

   I am engaged in appraisal, structuring, and monitoring of infrastructure projects with a focused mandate on the Roads & Highways sector.My role involves end-to-end credit evaluation of greenfield and brownfield highway assets under EPC, HAM, BOT (Toll/Annuity) models, including detailed assessment of project viability, traffic studies, concession agreements, cash flow sustainability, DSCR/LLCR/PLCR analysis, and sensitivity testing. I actively evaluate construction and operational risks, land acquisition status, regulatory clearances, termination payment structures, and counterparty risks, in alignment with RBI guidelines and internal credit policies.I work closely with sponsors, concessioning authorities, technical consultants, and internal stakeholders to structure long-tenor debt solutions, assess refinancing and take-out financing opportunities, and ensure robust post-disbursement monitoring through TRA mechanisms and covenant compliance.Previously, I have handled credit appraisal in the commercial banking environment, gaining hands-on experience across corporate and project finance exposures, which supports a balanced risk-reward approach in infrastructure lending.Key areas of expertise:• Roads & Highways Project Finance (EPC / HAM / BOT)• Credit Appraisal & Risk Assessment• Financial Modelling & Cash Flow Analysis• Concession Agreements & Termination Provisions• Debt Structuring, Refinancing & Take-out Finance• Monitoring, DCCO, and Asset Classification Frameworks

Education

• Dr.V.N.Bedekar Institute of Management Studies Mumbai

  Master of Business Administration (MBA), Finance and Financial Management Services

  2011 — 2013

Skills

• Banking
• Portfolio Management
• Equities
• Investment Banking
• Investments
• Derivatives
• Financial Analysis
• Valuation
• Management
• Analysis
• Managerial Finance
• Equity Trading
• Interest Rate Derivatives
• Corporate Finance
• Equity Valuation
• Equity Research
• Capital Markets