Location:

Yerevan, Armenia

Work permit:

Russia / Russia

Education level:

Высшее / Higher

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Credit Analyst

Work experience:

– Gazprombank
– Corporate Credit Lending, Director
– • Acted as responsible business side manager for large-scale digital transformation projects by setting functional requirements, overseeing implementation, and testing new client financial statements database that improved credit analysis efficiency by 20% and new credit rating calculation system that reduced total rating review time requirement by 15%.
• Lead credit analyst for Russian oil & gas majors, integrated and downstream producers, as well as exploration, construction, and drilling service providers.
• Covered over 30 clients with limits of up to EUR 300 mln.
• Carried out supervisory function for branch offices’ deals with limits of up to EUR 10 mln.
• Successfully led a team of 4 analysts in sector-wide stress testing of over 100 client financial models meeting tight deadlines set by the Central Bank.
• Developed and implemented a new rating review process that ensured timely and smooth bank provisioning. Contributed to the development of a new corporate rating model as a sector analyst.
– 2019 – current

Work experience:

– Uralsib Bank
– Corporate Credit Risk, Associate Director
– • Lead risk analyst for major clients with limits of up to EUR 130 mln (CRE, metals & mining, manufacturing, retail, utilities).
• Carried out supervisory risk approval function for subsidiary leasing and factoring companies’ deals of up to EUR 50 mln.
• Provided credit analysis training for 3 new employees that improved the quality of risk memos and enabled meeting 100% of the department’s deadlines.
– 2018-2019

Work experience:

– Gazprombank
– Corporate Credit Risk, Senior Associate
– • Lead sector risk analyst for metals & mining and commodity trade.
• Covered over 30 MNC and Russian corporate clients with limits of up to EUR 300 mln (metals & mining, commodity trade, oil & gas, utilities).
• Carried out supervisory risk approval function for EU-based subsidiary banks (Switzerland, Luxembourg) for deals of up to EUR 100 mln.
• Developed risk methodology for structured trade finance deals for EU-based subsidiary banks.
– 2016-2018

Work experience:

– Unicredit Bank – Russia
– Corporate Credit Restructuring, Senior Associate
– • Coordinated and executed corporate credit restructuring for deals of up to EUR 100 mln (transport, manufacturing, retail, HoReCa, CRE).
• Carried out supervisory function for a subsidiary distressed assets management company.
• Developed methodology for corporate credit restructuring and distressed assets management.
– 2015-2016

– Unicredit Bank – Russia
– Corporate Credit Risk, Senior Associate
– • Lead sector risk analyst for transport and manufacturing.
• Covered over 40 MNC and Russian corporate clients with limits of up to EUR 150 mln (transport, telecom, manufacturing, metals & mining).
• Carried out personal risk approval authority for deals of up to EUR 5 mln.
• Carried out supervisory risk approval function for subsidiary bank’s deals of up to EUR 15 mln.
• Developed credit risk strategies and risk methodologies for transport and manufacturing sectors.
– 2011-2015

Key skills:

Credit Analysis, Credit Risk Management, Credit Restructuring, Corporate Finance, Trade Finance, Financial Modeling, MS Office, Python, Pandas, Matplotlib, Seaborn, Statspack, A/B-testing, SQL, Jupyter, Tableau, English (fluent), Russian (native), French (intermediate), German (beginner), Spanish (beginner)

Edicuation:

– Financial University
– Finance and Credit
– Banking
– 2008

Edicuation:

– Yandex Practicum
– Data Analyst
– Data Analyst
– 2023

Edicuation:

– Association of Chartered Certified Accountants (ACCA)
– ACCA Member
– ACCA Member
– 2018

Additional information

• Experienced credit analyst and credit risk professional with over 10 years of track record in banking business.
• Strong professional skills in Credit Analysis, Credit Risk Management, Credit Restructuring, and Financial Modeling.
• ACCA member since 2018. Certified data analyst since 2023.