Headline

I am turning credit data into lending decisions | Wholesale Risk & Analytics | Credit Saison India | XLRI BM’25 | Ex-ICICI Bank (PPO) | BHU Gold Medal | Fintech · BFSI

About

I think in systems. Whether I'm evaluating a borrower's financials, stress-testing a business model, or mapping a market opportunity — the underlying instinct is the same: find the signal in the data, understand what it means for the decision, and make that decision easier for the people who need to act. Right now, I apply that instinct in the Wholesale Risk & Analytics division at Credit Saison India — one of India's fastest-growing fintech NBFCs. My work covers the full credit lifecycle: financial due diligence, assisting Credit Assessment Memorandum (CAM) preparation for senior credit committees, portfolio performance monitoring, quarterly tracking of company financials, and maintaining the internal risk frameworks that inform lending decisions. I sit at the junction of business teams, client interactions, and senior stakeholders — synthesising inputs from all three to drive high-stakes credit outcomes. The skill set I am building, however, extends well beyond any single function. At XLRI Delhi-NCR, I ran four live consulting engagements across fintech (Fingpay), insurtech (Turtlemint), strategy consulting (Takshashila), and mobility (KIA Motors) — developing fluency in competitive strategy, go-to-market thinking, and business analytics across sectors. Three national case competition finals — PwC Campus Contender, TATA Steel-a-Thon, TATA Imagination Challenge — tested my ability to structure ambiguous problems and present strategic recommendations under pressure, to audiences who do not have time for noise. My academic path adds an unusual dimension. I graduated as a Gold Medalist in Environmental Science from BHU — trained to synthesise signal from thousands of data points before redirecting that rigour entirely into business at XLRI. My summer internship at ICICI Bank resulted in a Pre-Placement Offer for contributions to project finance and strategic invetsment. I am drawn to work where analytical depth meets strategic, product, or growth ambition — in fintech, BFSI, or any domain where data-driven thinking shapes real business outcomes. If you are building something at that intersection, I would like to be part of that conversation. E: manasjha.official@gmail.com

Location

Bengaluru

AI stack

claude code

gemini

Work experience

Senior Associate at Credit Saison India, Oct 2026 - Present · 1 mo, Bangalore

Associate at Credit Saison India, Apr 2026 - Present · 7 mos, • Assisted in risk coverage of 30+ wholesale credit deals totalling INR 1,000 Cr+ in FY26, evaluating Financial Institutions (net worth ≥ INR 500 Cr) across asset quality, ECL estimation, unit economics, and compliance testing. • Stepped up from Analyst to Associate within 12 months — skipping the Senior Analyst level — and awarded 'Dashing Debut' at Credit Saison's Spotlight Awards. • Independently owning end-to-end credit risk evaluation for new and existing wholesale clients, with growing accountability across deal evaluation, covenant monitoring, and credit committee presentations. • Co-authored 30+ risk slide decks for Credit Appraisal Memorandums (CAMs), synthesising portfolio analysis, cash flow stress tests, and risk commentary for senior credit committees. • Assisted in due diligence for 9 new client onboardings in FY26 — covering KMP analysis, cash flow modelling, and covenant structuring — resulting in 6 successful onboardings. • Authored 5 field visit reports recognised by the CRO for analytical precision and quality. • Presented risk views in Credit Committee meetings attended by the CEO, CRO, CFO. • Executed 4 quarterly monitoring cycles for 20+ portfolio companies, tracking asset quality and early delinquency signals and presenting findings to senior management. • Analysed RARoCs for 90+ deals in FY26, identifying model gaps and recommending improvements to Credit Saison's internal wholesale pricing calculator. • Conducted monthly monitoring of macroeconomic factors (Repo Rate, G-Sec, CPI, WPI, MCLR) and delivered quarterly macro briefings to the CEO and CRO. • Streamlined risk assessment workflow to reduce deal turnaround time (TAT), enabling faster credit decisions across the wholesale lending pipeline. • Authored a sector research report on EV financing in India to support evaluation of emerging credit opportunities.

Management Trainee at Credit Saison India, May 2025 - Apr 2026 · 1 yr

Summer Intern at ICICI Bank, Apr 2024 - May 2024 · 2 mos, BKC Mumbai, Corporate Finance Banking Intern Project: Evaluating bankability and opportunity scoping of ICICI Bank in Smart Meter Sector projects • Studied the smart metering sector and identified the banking opportunities in the smart meter sector. • Evaluated the bankability of Projects and prepared a Go-To-Market strategy for ICICI Bank. • Analyzed GoI project worth ₹1500 Bn | Collected data on 125+ entities in India across 22 parameters • Performed financial analysis based on 8 key financial ratios & forecasted debt repayment schedules • Built financial models, maintaining DSCR>1.0,to analyze financing structure (D/E) & debt lending scope • Ideated ranked average scale to develop 4 KPIs involving credit risk assessment & mitigation means • Recommended top 10 opportunities from an estimated pending financial closure of ₹45,268 crores • Developed investment strategy with due diligence for building a holding position of INR 1000 crores

Live Project Intern at Flipkart, Apr 2024 - May 2024 · 2 mos, Bengaluru, Karnataka, India

Research Project Intern at Kia India, Feb 2024 - Feb 2024 · 1 mo, Gurugram, Haryana, India

Education

PGDM (BM), Business Management, XLRI Delhi-NCR

Master of Science - MSc (Gold Medal), Environmental Science, Banaras Hindu University