Vinit Mota
Associate at Morgan Stanley | FRM Level 1
- Role
- Risk Analytics at Morgan Stanley
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Vinit Mota
I’m a Credit & Risk Analytics Professional with over 3 years of experience in driving risk decisioning through data-driven insights and advanced modeling. My career began in Credit Risk — focusing on portfolio monitoring, underwriting reporting, concentration risk, and automation of risk MIS. Over time, I transitioned to Risk Analytics, where I worked on climate risk modelling, stress testing, credit model development, and ongoing risk monitoring.Key strengths include:Portfolio Analysis & Concentration Risk: Deep experience in tracking and analyzing borrower behaviour, identifying concentration risk by geography/product/segment, and creating reporting frameworks to surface risk early.Automation & Reporting: Proficient in building automated dashboards and reports using SQL, Python, and Excel to improve efficiency and reduce manual intervention.Credit Underwriting Analytics: Supported underwriting teams with KPI analysis, early-warning indicator design, and decision-rule enhancements.Risk Modelling: Engaged in climate risk scenario design, credit stress testing, and model parameter estimation (PD, LGD, EAD) to evaluate portfolio resilience.Quantitative & Statistical Skills: Skilled in extracting, cleaning, and analyzing large datasets; collaborating with model development / validation teams; and building forward-looking risk frameworks.Business Impact Orientation: Delivered insights that influenced risk appetite, capital planning, and portfolio risk strategy.I am passionate about bridging credit risk and sustainability — using analytics to not only manage financial risk, but also incorporate climate risk into strategic risk frameworks. I’m now looking to grow in roles that allow me to work on credit risk modelling, stress testing, risk reporting, or climate risk analytics in a forward-thinking financial institution or fintech.
Experience
Risk Analytics
Apr 2025 — Present · IN
Developed climate risk models by integrating physical, transition, and macroeconomic climate variables into existing credit risk frameworks.Worked on both short-term sensitivity analysis and long-term scenario-based stress testing to assess portfolio resilience under climate-driven shocks.Supported climate-adjusted credit model development, including PD, LGD, EAD parameter impact assessment.Built monitoring frameworks to track climate risk metrics, scenario performance, and early indicators based on evolving climate factors.Enhanced stress testing models by incorporating climate pathways (e.g, NGFS scenarios), sector-level exposures, and transition risk dynamics.Collaborated with cross-functional teams for data extraction, modelling logic, documentation, regulatory alignment, and integration of climate risk into overall risk appetite.
Education
Mumbai Educational Trust, MET League of Colleges
Master of Business Administration - MBA, Finance, General
2019 — 2021
University of Mumbai
Bachelor of Engineering - BE, Computer Science
2014 — 2018
Shah And Anchor Kutchhi Engineering College
Bachelor of Engineering, Computer Science
2014 — 2018
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