Pooja Kumar Email & Phone Number

New York, Ny, Us

Boston, Ma, Us

Boston, Ma, Us

Boston, Ma, Us

- Managed a portfolio of global banking clients in the Industrials sector including Autos, OEMs, Transportation, Diversified Industrial, Building Materials, Pulp & Paper, Packaging etc.- As a credit underwriter prepared DCF models and computed enterprise value. Assigned risk rating based on qualitative and quantitative parameters.- Presented proposals (annual rating reviews, new to bank proposals, facility changes) to the approval committees. - Lead individual transactions (Syndications, RCF, Term Loans, SCF etc.) and manage deal flow within the assigned portfolio.- As the global lead worked on setting global and local client and sector appetite.- Monitor industry developments (tariffs, taxes, hurricanes, early warning indicators etc.) and prepare presentations to be circulated amongst management team- Monitor credit quality of assigned GBM borrowers incl. but not limited to financial covenant compliance- Coordinate with the business areas the monitoring of clients, sectors, business plans, meetings with companies, review of credit exposure-Client visits as per business requirements (syndications, new lending etc.)- Ensure compliance with US bank regulations and internal credit policies & procedures- Mentor and work with junior members of the team

Edinburgh, Scotland, Gb

- Worked on a portfolio of Diversified Industrials (chemicals, automotive, railway, pulp & paper, oil & gas etc.) and Consumer, Retail & Healthcare global corporate banking clients spread across Europe, and APAC. - Assessed credit quality for new and existing clients. Prepared financial models (broker, base and downside scenario projections) and identified key risks. - Assigned risk rating to conterparty and its subsidiaries based on parental support policy- Monitored covenants, and pro-actively identified deterioration in borrowers financial health and flag to senior bankers - Proactively liaise with relationship management, credit approvers and support teams - Ensure adherence to Bank’s lending guidelines/policies- Familiar with legal documentation (credit agreements, LMA, ISDA, CSA)- Working knowledge of Bloomberg, Moody's KMV - Credit Edge, Excel etc.

Edinburgh, Scotland, Gb

- Secondment to Edinburgh based Credit Analyst role - Prepared credit proposals for a diversified portfolio of Consumer & Retail clients, and attended client and regulator meetings. - Attachments: Worked with the Credit Approvers, Relationship Management, Restructuring and Structured Finance Teams based in London, Manchester and Edinburgh Project : - Initiated a comparative study of the ‘Credit Review Process across MNC Banks’, to establish measures to achieve operational efficiency and cost savings through off-shoring roles, process improvement & standardization across CIB & CPB businesses- Some recommendations pilot tested and implemented.

London, Gb

- Worked on a portfolio of global banking corporate clients across Consumer & Retail Group (retail, luxury good, food, beverage, personal, household, travel & leisure) based in Europe, ME, APAC, and US- Evaluated credit quality by undertaking detailed financial analysis, industry analysis, peer comparison and identifying key risks & mitigants and assigning internal credit and sustainability risk ratings- Analyzed the appropriateness of banking facilities- Monitored covenants and EWI - Knowledge of CARM, ClientVision, Citix, Bloomberg etc. Project:- Authored the HSBC Middle-East HUB Procedure Manual laying down guidelines for using the Bank’s facilities database by offshore team (approx. 65 analysts)- Prepared retail sector presentations and Christmas trading updates for circulation among the senior bankers

London, Gb

- Worked with Credit Risk Approvers and Relationship Managers to smoothen the offshore migration process and assisted in day-to-day activities to identify opportunities for further offshoring. Project:- Appraised French, German and Turkish clients to evaluate the feasibility of offshoring to India team.

Hyderabad, Telangana, In

Business Plan & Valuation of the infrastructure division for the proposal of an IT/ITES SEZ, with township for Catalytic software company. -Analyzed the financial feasibility of different options available for the development of the site. -Prepared business valuation models using DCF method.-Prepared corporate presentation for circulation among prospective shareholdersProject 2: Hyderabad Urban Development Authority (HUDA)Involved in Technical & Financial Capability Analysis of Bidders for Construction of Outer Ring Road in Hyderabad for the Design, Construction, Development, Finance, Operation and Maintenance of 8 lane Expressway under Phase-IIA program of the Outer Ring Road (ORR) Construction in Hyderabad

Master Of Science - Ms, Analytics -Risk

Entrepreneurship, Management Programme For Women Entrepreneurs

Master Of Business Administration (M.B.A.), Finance

Bachelor Of Engineering (B.E.), Electronics

Education record