Summary
Overview
Work History
Education
Skills
Awards
Timeline
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Madhu Karunya

Toronto

Summary

Dedicated and results-driven Credit Risk Professional with over five years of experience in financial analysis, credit risk management, and client relationship building. Expertise in evaluating financial trends and preparing comprehensive credit reports. Proficient in collaborating with internal teams and external stakeholders, ensuring compliance with policies, regulations, and deadlines to support business objectives.

Overview

7
7
years of professional experience

Work History

Senior Credit Analyst

ADP, Canada
05.2024 - Current
  • Conducted comprehensive analysis of financial data, cash flow, and profitability trends to determine appropriate credit risk ratings for new and existing clients, ensuring accurate and timely updates.
  • Set funding terms and risk tiers for clients, contributing to enhanced financial stability and stronger risk controls, while also aligning with internal policies
  • Proactively managed policy exceptions, making timely decisions on over-threshold funding to reduce non-sufficient fund (NSF) occurrences
  • Worked closely with internal teams to escalate and resolve issues promptly, ensuring minimal disruption and efficient operations in high-pressure environments

Senior Credit Research Analyst

CRISIL Limited (An S&P Global Company), India
08.2021 - 10.2023
  • Conducted detailed credit risk assessments for corporate entities across the US and EMEA regions, synthesizing comprehensive reports on business and financial risk profiles to assign credit ratings.
  • Constructed comprehensive financial models to evaluate credit quality determinants, incorporating historical performance, capital structure, liquidity positions, cash flow forecasts, covenant flexibility, and peer comparisons.
  • Managed credit ratings portfolio on various sector including Consumer products, Telecom, Media & Technology, Auto Ancillary, Capital Goods dealership, Transport & Logistics, Building material & construction, etc
  • Collaborated closely with banking teams to ensure seamless execution of credit approval processes, maintaining effective communication and compliance with credit policies.
  • Supported the development and refinement of credit rating models, ensuring they accurately reflect market conditions and credit risk trends.

Credit Rating Analyst

CARE Edge Ratings Limited, India
06.2018 - 11.2020
  • Conducted financial analysis, reviewing financial statements and forecasts to assess the stability and credit risk of corporate clients contributing to accurate credit ratings.
  • Proactively identified and addressed credit risks such as defaults and declining financial performance.
  • Monitored credit ratings, ensuring timely reviews and renewals to mitigate risks related to outdated credit assessments.
  • Collaborated with internal stakeholders to align credit rating decisions with regulatory guidelines and company policies

Education

Bachelor in Commerce (Honors) -

MOP Vaishnav College for Women

CMA - undefined

Institute of Cost and Management Accountants of India

Professional Certificate Program - Fintech

IIM (Calcutta)

Skills

  • Credit Risk Management
  • Financial Statement Analysis
  • Leadership & Mentoring
  • Data Visualization & Reporting (MS Excel, PowerPoint)
  • Financial Software (S&P Capital IQ)
  • Decision Making & Problem Solving
  • Strong Verbal & Written Communication Skills

Awards

  • Clap Award for delivering prompt and concise credit research findings,
  • Execution Excellence Award for facilitating annual credit reviews, liaising between various stakeholders,
  • Platinum Category Achiever Award for supporting relationship manager with client planning and fulfillment

Timeline

Senior Credit Analyst

ADP, Canada
05.2024 - Current

Senior Credit Research Analyst

CRISIL Limited (An S&P Global Company), India
08.2021 - 10.2023

Credit Rating Analyst

CARE Edge Ratings Limited, India
06.2018 - 11.2020

CMA - undefined

Institute of Cost and Management Accountants of India

Professional Certificate Program - Fintech

IIM (Calcutta)

Bachelor in Commerce (Honors) -

MOP Vaishnav College for Women

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