Toronto, Ontario, Canada
An experienced Credit Analysis professional, I have over 6 years of experience driving strategic initiatives across Credit Review Analysis, Financial Analysis, and Underwriting. My main objective is to contribute to the growth of an organization with my professional expertise in Credit Review Analysis and develop myself further in the process. Key Achievements:- - Performed in-depth credit analysis through an accounting-based credit-scoring system and controlled credit approval process, specializing in middle market corporations with annual revenue of USD 10M to 100M - Led a cross-functional team in the design of a new credit scoring model specifically tailored for small clients, reduced default rates by 35%, and increased client satisfaction scores by 50% within the first quarter - Advised over 100 clients in accounts management, cash flow analysis, validation of management models, and market risk assessment: prepared online ledgers for sales, credits, and equity details, reducing paperwork by 15% Skills and Specialties:- Financial Analysis, Risk Assessment, Data Analysis, Finance, Analytical Skills, Reasoning Skills, Critical Thinking, Quantitative Aptitude, Analytical Aptitude, Detail Orientation, Communication Oriented Keen to employ pragmatic methodologies to produce innovative solutions, I like to keep myself updated on the latest industry and market trends. Outside of work, I am also a huge fan of Manchester United and am proficient in English, Bengali. Connect with me on LinkedIn, or I can be reached at [email protected]
As a Credit Analyst II at Softchoice, I specialize in assessing the creditworthiness of mid-market corporations (USD $100k–$100M revenue), balancing strategic growth with disciplined risk management. My role bridges analytical rigour and cross-functional collaboration—working closely with Sales, Legal, and Finance to make data-driven credit decisions that directly influence revenue and risk exposure. I perform in-depth credit analyses using accounting-based credit scoring systems and third-party intelligence (D&B, S&P Capital IQ), while engaging directly with C-level executives to evaluate financial health. This approach helped reduce high-risk exposure by 19% and improved the accuracy of credit assessments by 10%. Partnering with account executives, I’ve helped define client requirements and address risk covenants on large orders—cutting turnaround time by 27%. I also led workshops that introduced three innovative tools into our credit evaluation toolkit, enhancing our overall risk review process. On the operational side, I developed audit-ready documentation protocols and internal training that boosted compliance accuracy by 40%. Recognized with the Fast Start Award, I spearheaded a revamp of our loan approval process, shortening approval timelines by 30% through smarter documentation flows and stakeholder engagement.
In my role as Credit Analyst at Softchoice, I apply a pragmatic, data-driven approach to assess credit risk and support commercial growth, with independent approval authority for deals up to $1M. I work closely with our sales teams and internal stakeholders to evaluate client requirements and structure credit recommendations that balance risk management with business enablement. Managing a portfolio of over 3,000 clients, I conduct hard reviews on 600+ accounts in parallel—optimizing credit limits and ensuring repayment behavior aligns with internal policies. My analysis integrates data from open-source business directories, credit bureaus such as D&B and Equifax, and direct conversations with senior financial executives. Beyond individual deal assessments, I communicate regularly with senior finance leaders to escalate high-risk cases and facilitate approvals for large, complex orders. Each credit write-up is built on thorough financial and operational insights, helping to protect revenue while supporting strategic business partnerships.
As a Small Business Advisor at CUA, I worked directly with commercial clients to support their financial health and business growth through tailored lending solutions and advisory services. My role combined relationship management with detailed financial analysis to structure appropriate loan products and recommend strategies aligned with each client’s objectives. I regularly analyzed client financials—including balance sheets, income statements, and cash flow statements—to assess creditworthiness and structure loan offerings. By understanding the unique needs of each business, I was able to propose products and services that supported sustainable growth. Acting as a key liaison between clients and internal departments, I ensured smooth communication and issue resolution, while maintaining a strong focus on customer satisfaction and long-term relationship building. I also conducted periodic reviews of my client portfolio, leveraging up-to-date financial disclosures, annual reports, and tax assessments to proactively manage credit risk and uncover new lending opportunities.
At DevScript, a purpose-driven fintech startup based in Atlantic Canada’s innovation hub, I contributed to the company’s mission of helping community lenders eliminate loan losses and amplify their economic impact. As an early team member, I played a key role in both strategic and operational initiatives in a dynamic startup setting. I developed and implemented a go-to-market sales strategy that led to a 30% initial engagement rate within our target client segment. Collaborating closely with both internal teams and external stakeholders, I helped execute pilot projects by identifying priority markets and sequencing activities for maximum impact. My work involved identifying key strategic challenges, analyzing market data, and translating insights into actionable recommendations, laying the groundwork for scalable lending solutions in underserved markets. This experience sharpened my ability to work cross-functionally in agile environments, where data-driven decisions, fast learning, and mission alignment were key to progress.
At IDLC Finance Ltd.—a leading non-bank financial institution with a USD $1B portfolio—I served as a Senior Credit Analyst managing a regional portfolio of approximately USD $45M. My work focused on enabling sound credit decisions through deep financial analysis, regulatory compliance, and cross-functional leadership. Between 2017 and 2019, I consistently met and exceeded credit portfolio targets in the Northeast region, leveraging insights from financial and operational data to guide key lending decisions. I developed and utilized robust three-statement financial models to underwrite deals up to $5M, directly contributing to a 25% drop in rejection rates over two years. Beyond underwriting, I advised 100+ commercial clients on account management, cash flow, and market risk, introducing a digital ledger system that reduced paperwork by 15% and improved operational transparency. I also conducted audits across multiple credit portfolios, identifying and resolving 15+ discrepancies, leading to a 30% improvement in compliance standards. In parallel, I led the design of a customized credit scoring model for small clients, which reduced default rates by 35% and boosted client satisfaction by 50% in just one quarter. In a leadership capacity, I mentored junior analysts in advanced credit risk methodologies, which helped elevate overall departmental performance by 20%. My contributions were recognized with a promotion to Assistant Manager, where I led a team of five to support financial operations for three business units, overseeing quarterly analysis, reporting, and strategic insights.