Ph.

+91 9716056375
Deepak Bhatia Email: Bhatiadeepak02@[Link]
LinkedIn: [Link]/in/deepak-bhatia-b06b8121
MBA (Finance) with 4+ years of professional experience in Credit appraisal and financial analysis with
specialization in analyzing dynamic financial reports. Credit Analysis, Credit Rating, Risk management,
working capital Assessment, Industry research and project finance are my key competencies.

Professional Experience
RBS India, Portfolio manager, Commercial and Corporate Banking, New Delhi Jun’18 – Till Now
• Analysis of credit data and financial statements to determine the degree of
risk involved in extending credit or lending money.
• Preparing financial models to determine fiscal viability of proposals and
Conduct sensitivity analysis. Also provide recommendation tied to analysis
and assessment of credit risk.
• Evaluating Credit appraisal Memo within defined guidelines and
Analysis of Financial accordingly take decision and recommending to higher authority.
Statement & Credit data • Performing working capital analysis, to identify gap within ascertain FBWC
& NFB Requirement.
• Use performance history along with liquidity, debt/asset management and
profitability ratios to assess credit worthiness.
• Majorly dealt proposals of Capital market broker, Commodity dealers, Real
estate, Infrastructure projects, Government Co’s, Shipping Co’s
• Coordinating with clients and internal teams like sales, Operations, legal, to
reduce irregularities in account and follow-up for the same.
• Calculate the exposure of client in other industries like real estate,
commodity market, foreign lending by Business research
Risk Management
• Monitoring assigned industries and giving early warning signals related to
companies and industries handled.
• Conducting the rating of the borrower and recommending credit decision
in consultation with Senior Credit.
HDFC BANK, Relationship Manager, FIG & Capital Market, Mumbai Mar’16 – Mar’18
• Analysis of credit data and financial statements to determine the degree of
risk involved in extending credit or lending money.
• Preparing financial models to determine fiscal viability of proposals and
Conduct sensitivity analysis. Also provide recommendation tied to analysis
and assessment of credit risk.
• Evaluating Credit appraisal Memo within defined guidelines and
Analysis of Financial accordingly take decision and recommending to higher authority.
Statement & Credit data • Performing working capital analysis, to identify gap within ascertain FBWC
& NFB Requirement.
• Use performance history along with liquidity, debt/asset management and
profitability ratios to assess credit worthiness.
• Majorly dealt proposals of Capital market broker, Commodity dealers, Real
estate, Infrastructure projects, Government Co’s, Shipping Co’s
• Coordinating with clients and internal teams like sales, Operations, legal, to
reduce irregularities in account and follow-up for the same.
• Calculate the exposure of client in other industries like real estate,
commodity market, foreign lending by Business research
Risk Management
• Monitoring assigned industries and giving early warning signals related to
companies and industries handled.
• Conducting the rating of the borrower and recommending credit decision
in consultation with Senior Credit.

Angel Broking, Equity Advisor, Delhi Feb’13 – May'14

 • Prepare equity research reports using Industry analysis, Fundament &
Technical Analysis, Which used for recommendation to client on daily
basis. Stock advisory reports includes intraday calls, delivery based stock,
Equity & Derivative – futures & option Recommendations
Research & Advisory • Managed a six-figure diversified portfolio that experienced at least 20%
annual growth over the one year.
• Continuously research the stocks & other financial products to improvise
the portfolio of clients.
• Regularly monitoring and recommending changes in process workflow for
more efficient process and better TAT.

AWARDS & ACCLODES

• Achieve award for the Best Research during the internship with S&P Capital IQ and also nominate for best
IBS SIP Award during MBA
• Runner-up Team in IMT Inter-college finance Event “Nivesh 3.0”, December 2014
• Received the best Dealer of Quarter award in North cluster, as the best employee working with Angel
Broking during April - June 2013
• Operations-Head of IBS Hyderabad official Quizzing club "GRAY MATTERS".
• Participated in Cricket tournament ICFAI Premier League with IBS Hyderabad Cricket team EXODUS
UNITED.
CERTIFICATIONS & TRAININGS
Certification Program on Financial modeling and Valuation- The Wall street School Feb' 18
Built fully dynamic financial statements projection models including ability to run sensitivities within
models.
Worked on Industry research, company profiling, sector analysis and competitive benchmarking.
Performed Company Valuations utilizing Markets Approach and Income Approach also Comfortable with
private and public company valuations
Worked on Valuation project of “JK Tyre” and also done the industry research on various industries likes
Tire, Ecommerce, and BFSI Industries.
Certification Program on Corporate banking & Credit analysis, FLIP Learning Sept’17
• Credit analysis for Large & Mid corporate
-Working capital Assessment
- Long term Loan, project finance & Structured finance assessment.
- Trade finance, Export finance, post-shipment & pre-shipment finance
 Also works on project based on Credit appraisal of various industries.
ACADEMIC BACKGROUND
Qualifications Institute University Year %/CGPA
M.B.A (Finance) IBS, Hyderabad ICFAI Group 2016 CGPA - 8.32

B.B.A Trinity Institute, Delhi GGSIPU 2012 79.7%

XII (Commerce) GBPS, Delhi C.B. S. E 2009 75%

COMPUTER PROFICIENCY
• MS Office (MS-Excel, Word and Power point)
• Proficient in making dynamic business models from scratch across varied sectors.
• Working knowledge of financial research database Capital IQ
HOBBIES AND INTEREST
• Trekking, like to travel new unexplored places and capture offbeat nature photography;
• Soling puzzles and passion to learn new things.
PERSONAL DETAILS
Date of Birth 5th Nov 1991
Gender Male
Address C-67, Mansarovar Garden, New Delhi -110015
Nationality Indian