---
title: "Astitwa Gupta - Senior Secured Underwriter in Hyderabad | Tal"
description: "Meet Astitwa Gupta, Credit Risk Analyst & Portfolio Management | Secured Underwriter | Risk Management | Senior AVP @ Wells Fargo | Ex-CRISIL | based in Hyderabad."
image: "https://tal.club/meet/astitwa/share-image"
---

# Astitwa Gupta on Tal

## Headline

Credit Risk Analyst & Portfolio Management \| Secured Underwriter \| Risk Management \| Senior AVP @ Wells Fargo \| Ex\-CRISIL \|

## About

Senior credit professional with 8\+ years of experience in secured underwriting for asset\-based lending and corporate credit risk, across top\-tier institutions including Wells Fargo and CRISIL\. I specialize in evaluating complex credit portfolios, structuring ABL facilities, and delivering risk\-calibrated financing solutions for US and global clients\. Currently at Wells Fargo as a Senior AVP, I manage end\-to\-end underwriting, risk rating, and collateral assessment for diverse industry clients — combining rigorous financial analysis with a sharp eye for credit risk\. Previously at CRISIL, I led comprehensive Credit Annual Reviews for US subsidiaries of Mizuho Bank as a second line of defence, and served as an EWS Credit Analyst to architect a global Early Warning System for Citi Bank\. I'm currently exploring senior roles in credit risk, structured lending, or portfolio management where I can drive both risk discipline and business growth\.

## Location

Hyderabad

## Work experience

Senior Secured Underwriter at Wells Fargo, Nov 2024 \- Present · 1 yr 8 mos, Hyderabad, Telangana, India, In my current role as a Secured Underwriter specialised in Asset Based Lending \(ABL\) product, I assess the creditworthiness of corporate clients, structuring and underwriting secured loans that align with risk tolerance and financial objectives\. I conduct detailed financial analysis, evaluating cash flows, collateral, and the overall business stability to ensure optimal lending decisions\.

Co\-Founder at Laddoos \- India, Jul 2023 \- Present · 3 yrs, Mumbai

Research Analyst at CRISIL Global Research & Risk Solutions, Jan 2024 \- Oct 2024 · 10 mos, Mumbai Metropolitan Region, I work for a Japanese bank where I prepare Comprehensive Annual Credit Reviews \(CAR\) for the US subsidiaries of our Japanese clients\. My job involves analyzing the financial health of the company by taking into account factors such as Exposure Management, Operating and Cash Flow Performance, Capital Structure and Liquidity, Repayment Ability, Industry Trends and Peer Analysis, Obligor and Regulatory Ratings, and Risk and Mitigation\.

Research Analyst at CRISIL Global Research & Risk Solutions, Jun 2022 \- Dec 2023 · 1 yr 7 mos, Mumbai, Maharashtra, India, I worked as a credit research analyst for one of the largest banks in the US\. My job involved analyzing the risk associated with countries, industries, and obligors\. I also evaluated the macroeconomic effects and the impact of internal changes on the firm, industry, or country\.

Research Analyst at Crisil, Jun 2022 \- Oct 2024 · 2 yrs 5 mos, Currently, associated with a Japanese Bank \- US subsidiary clients for credit annual review as a 2nd line of defence\. My responsibilities includes credit assessment and underwriting of the clients which involves financial spreading, business analysis, sector analysis & trends with ongoing economic crisis affecting the business, financial and ratio calculation\. Also have experience in covenant monitoring and surveillance notes\. Previously, I was associated with US investment bank to develop and enhance the early warning system for the bank\. Analyse the clients on the basis of the financials assessments and market drivers like share price & credit default spreads, business deterioration due to internal and/or external economic headwinds; Sector & Industry research; peer analysis\.

Deputy Manager at Kotak Mahindra Bank, Feb 2020 \- Jun 2022 · 2 yrs 5 mos, Mumbai, Maharashtra, India, As a Credit Risk Analyst, I was responsible for preparing credit memos and conducting credit underwriting\. This involves analyzing the business and its structure, as well as the background of promoters and the company itself\. I also assess the business health, financial obligations, financial security structure, and competitive markets\. I analyze financial ratios, such as DSCR, by preparing and reading financial documents\. Additionally, I calculate MPFB, holding periods, collateral security, and cash margin \(in the case of BG\)\. In my role as a Credit Monitoring professional in Wholesale Banking, I head a Drawing Power activity for Pan India corporate borrowers, serving as a Drawing Power checker\. I work on DP & Insurance automation activity, brainstorming, implementing ideas, and evaluating the effectiveness and efficiency of the system\. I am also the approving authority for DRS, LPS, sanction disbursement covenants\. Previously, I worked on stock audit analysis to monitor the diversion of funds, as well as stock audit and SPG/Channel finance audit analysis\. I am responsible for churning reports and played a key role in the development of robotics DPMS system\. I also manage MIS and data preparation, as well as hands\-on EWS\.

## Education

PGDBS, Banking and Finance\., Manipal Academy of Higher Education

Postgraduate Degree, Banking and Financial Support Services, Manipal University Jaipur

[View the original profile](https://tal.club/meet/astitwa)

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