Vishal Singh

About Vishal Singh

As a growth focused individual, I bring forth hands-on experience in the intricate world of finance and risk management. I hold a strong understanding of credit monitoring and adept portfolio management, sharpened through consistent practice and strategic execution. I excel in creditworthiness evaluation, ensuring that each decision is backed by a thorough analysis of data, a clear understanding of the market, and a commitment to sound financial principles. I establish professional connections through trust, performance, and mutual respect. My expertise lies in managing diverse portfolios, understanding that each client has unique needs and challenges. I excel in tailoring lending strategies, ensuring they align with client objectives and industry standards.Furthermore, my communication skills are both clear and persuasive, enabling me to translate complex financial jargon into understandable, actionable plans. I demonstrate leadership abilities, coupled with a genuine respect for teamwork that drive me to set high standards and inspire others to do the same.To know more about me, connect with me on LinkedIn or drop me a line at v••••••••@gmail.com.

Experience

1. Senior Analyst - Credit Delivery Structured Finance

   NatWest Group

   Mar 2025 — Present · Gurugram, IN

   Own a £300M+ leveraged finance portfolio comprising 20+ UK sponsor-backed (Private equity firms) mid and large-cap corporates, maintaining covenant compliance across reporting cycles and zero policy breaches.• Prepared credit papers for 15+ Annual Reviews and refinancing / amend and extend transactions including Short-TermRenewals (STR) and short-term funding requests, incorporating LGD calibration, MGS risk grading and climate scorecardassessment within leveraged finance structures.• Tracked Early Warning and Default Indicators, identifying emerging stress signals and escalating material riskdevelopments to senior stakeholders where required.• Reviewed and updated covenant tracking dashboards covering financial and non-financial covenants.• Participated in process enhancement initiatives including the Non-Transactional Commentary (NTC) tool and automationof Annual Review Credit Papers, supporting testing and use case validation.• Contribute to excess management reporting across leveraged portfolio, reviewing utilisation breaches and temporary excesses to ensure timely remediation and adherence to approved facility limits.• Verify leveraged finance transactions including LBO-related structures involving private equity sponsors, structuringincremental senior debt facilities to support acquisitions and refinancing initiatives.• Deliver portfolio performance presentations to seniors, analysing leverage, trading performance and liquidity position while conducting sector reviews across healthcare, retail, automotive and leisure exposures to assess borrower resilience.

Education

• Indian Institute of Management Tiruchirappalli

  Master of Business Administration - MBA, Finance, Information Systems

• Shri G S Institute of Technology & Science

  Bachelor of Engineering, Information Technology