Apeksha J

AVP

Citi • Full time

Jul 2025 - Present • 1 yr 2 mos

Part of ICM – Credit Underwriting taking care of Western Europe Corporate Portfolio across Consumer, Retail & Healthcare Sectors • Own end-to-end credit risk analysis and underwriting for a portfolio of large corporate clients domiciled in Western Europe across the Consumer, Retail, and Healthcare sectors within Citi's Institutional Credit Management (ICM) first-line-of-defense framework. • Draft Credit Approval Memo packages for new transactions, annual reviews, and ad-hoc credit requests, ensuring completeness, accuracy, and alignment with Citi's global credit policies and risk appetite. • Perform in-depth financial analysis including cash flow modelling, projection analysis, sensitivity and stress testing, and Risk Rating assessments for counterparties. • Conduct continuous portfolio monitoring by tracking industry trends, macroeconomic developments, and company-specific events across Western European Consumer, Retail, and Healthcare sectors; escalate emerging credit concerns to the broader team proactively. • Partner with Banking, Capital Markets & Advisory and Independent Risk stakeholders to facilitate timely credit execution and respond to Internal Audit reviews. • Have been working on ICM strategic projects aimed at improving underwriting practices and workflow efficiency.

Consultant - Deliver Manager

Fintech • Freelance

Mar 2025 - Jun 2025 • 3 mos

• Managed client relationships in the private credit domain, owning end-to-end delivery of accurate, customized financial data within defined SLAs to ensure high client satisfaction. • Led a team of credit analysts to meet business goals while ensuring rigorous analysis standards and regulatory compliance. • Collaborated with technology and product teams to enhance AI models for credit research, improving data accuracy and reducing turnaround time. • Drove continuous process improvements by identifying automation opportunities and optimizing analytical workflows.

Vice President

Bank • Full time

Jan 2022 - Mar 2024 • 2 yrs 2 mos

Company - Bank of New York Mellon Part of first line of defense, focused on counterparty credit risk for broker dealers, hedge funds, asset managers and corporations. • Appraising Pershing clients by assessing financial statements, portfolios, fund performance reports and other relationship metrics cards for all institutional and Wealth Management Broker Dealers clients, hedge funds and mutual funds and counter parties to prepare the credit rating scorecards • Collaborate with the Credit Risk team and finalize credit rating for the counterparties • Streamlining processes to ensure smooth functioning of the business operations. Preparing and updating Standard operating procedures. • Conducting internal training sessions for peers & new joiners. Performing root cause analysis for any recurring errors and providing timely feedback on the health of the process to the concerned stakeholders. • Involved in internal project to facilitate movement and setting up of trade surveillance and monitoring team from onshore to offshore.