Sanket Pawar
Toronto
Summary
Credit and Investment Analyst with 5+ years of experience across credit risk, corporate banking, and portfolio analysis. Proven track record in preparing high-quality credit applications, interpreting financial statements, and managing compliance with covenants and collateral. Achieved measurable outcomes such as a 12% increase in profitability and a 15% drop in NPAs. Skilled in financial modeling, risk assessment, and regulatory reporting. Currently pursuing CFA to deepen expertise in financial strategy and credit analysis
Overview
6
6
years of professional experience
Work History
Financial Analyst
TCS for BMO Bank
07.2024 - Current
- Handled a portfolio of high-risk accounts with 140+ daily calls, achieving 140% of KPI targets and minimizing bad debts.
- Delivered 20+ monthly hardship programs curing $6Mn Q-o-Q balances while ensuring regulatory compliance.
- Advised on revolving and instalment products like Mortgages, LOCs, and Business Accounts.
- Trained 10-member team in collections, risk practices, and regulatory adherence.
Finance Specialist
Onside Media
08.2023 - 06.2024
- Reduced financial reporting turnaround by 20% through trend analysis and automation.
- Improved forecast accuracy by 15%; drove strategic decisions with enhanced models.
- Reduced operating costs by 10% via cost control and analytical improvements.
Senior Associate - Investments
Venture Catalysts Pvt Ltd.
01.2021 - 06.2023
- Led $150Mn in sustainable investments with 2x-12x returns across GCC & APAC.
- Conducted due diligence, structured deals with 5x projected returns over 3 years.
- Reduced financial turnaround by 20% using DCF/NPV modeling and reporting optimization.
- Evaluated 20+ deals, flagged risks in 40%, and negotiated favorable terms.
- Managed 8 analysts, driving 7 fintech due diligences including a $15Mn investment.
- Oversaw a $200Mn portfolio for HNWIs, producing dashboards and exit strategies.
Manager - Credit Risk & Investments
Yes Bank Ltd.
11.2019 - 11.2020
- Managed $150Mn loan and investment portfolio, surpassing profitability by 12%.
- Supported $100Mn+ in capital transactions, ensuring SEBI/international compliance.
- Reduced NPAs by 15% with credit risk assessments and Basel III stress testing.
- Contributed to 20% client AUM growth; secured $50Mn+ in new mandates.
Education
Diploma - Leadership and Management
TasCollege
01.2019
Masters - Banking and Finance
Monash University
Melbourne01.2018
Bachelor - Management Studies
University of Mumbai
01.2014
Skills
- Financial statement analysis
- Financial modeling
- Credit Risk Assessment
- Customer relationship management
- Financial and operational reporting
- Portfolio management
Timeline
Financial Analyst
TCS for BMO Bank
07.2024 - Current
Finance Specialist
Onside Media
08.2023 - 06.2024
Senior Associate - Investments
Venture Catalysts Pvt Ltd.
01.2021 - 06.2023
Manager - Credit Risk & Investments
Yes Bank Ltd.
11.2019 - 11.2020
Bachelor - Management Studies
University of Mumbai
Diploma - Leadership and Management
TasCollege
Masters - Banking and Finance
Monash University
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