---
title: "Om Kharpude - Associate Manager in Pune District | Tal"
description: "Meet Om Kharpude, Associate Manager – FRM | Credit & Rating Analyst | Reviewed 250+ Rating Rationales & 100+ Research Reports | Credit Risk, Financial Analysis & Trade Finance based in Pune District."
image: "https://tal.club/meet/om-kharpude/share-image"
---

# Om Kharpude on Tal

## Headline

Associate Manager – FRM \| Credit & Rating Analyst \| Reviewed 250\+ Rating Rationales & 100\+ Research Reports \| Credit Risk, Financial Analysis & Trade Finance

## About

PGDM Finance graduate with 1\+ year of experience in the financial services domain, currently working as Associate Manager – FRM at Invoicemart\. I specialize in credit rating interpretation, financial and ratio analysis, and credit risk assessment, with hands\-on exposure to trade finance products such as bill discounting, factoring, and reverse factoring\. Over the past year, I have reviewed and interpreted 250\+ credit rating rationales across multiple industries and analyzed 100\+ research reports, enabling me to develop a strong understanding of borrower creditworthiness, industry dynamics, and key financial risk drivers\. My work involves supporting credit evaluation, transaction structuring, and portfolio monitoring, while understanding how credit ratings influence lending decisions, pricing, and risk mitigation\. I have experience in financial modelling, MIS reporting, and portfolio analytics, along with cross\-functional coordination with internal teams and financiers to ensure smooth and timely execution of transactions\. I bring a detail\-oriented mindset, strong analytical skills, and a continuous learning approach to my work\. I am keen to grow in roles related to Credit Risk, Rating Analysis, Structured Finance, and Lending Operations, where I can contribute to data\-driven decision\-making and long\-term portfolio quality\. 📌 Core Skills: Credit Analysis \| Credit Rating \| Financial & Ratio Analysis \| Bill Discounting \| Factoring \| Reverse Factoring \| Financial Modelling \| MIS Reporting

## Location

Pune District

## Work experience

Associate Manager at Invoicemart, Dec 2024 \- Present · 1 yr 7 mos, Thane, Maharashtra, India, Associate Manager – FRM \(Credit Analyst / Rating Analyst Track\) \| Invoicemart 1\. Conducted credit appraisal and financial analysis for corporate clients, evaluating financial statements, cash flows, and 20\+ key ratios to assess creditworthiness and risk profile\. 2\. Reviewed and interpreted 250\+ credit rating rationales \(CRISIL, ICRA, CARE, India Ratings\), identifying rating drivers, sensitivities, and key risk factors impacting lending decisions\. 3\. Analyzed 100\+ equity and credit research reports to assess industry outlook, business models, and financial performance trends across sectors\. 4\. Supported 100\+ bill discounting, factoring, and reverse factoring transactions, contributing to credit evaluation, deal structuring, and execution\. 5\. Assessed the impact of credit ratings on pricing, exposure limits, and financier appetite, enabling risk\-aligned financing solutions\. 6\. Built and reviewed financial models, including ratio analysis, cash flow assessment, and trend analysis to support credit notes and internal approvals\. 7\. Prepared MIS reports and portfolio dashboards covering credit quality, exposure monitoring, and early warning indicators for management review\. 8\. Monitored portfolio performance and identified early warning signals \(EWS\) to flag potential stress and credit deterioration\. 9\. Coordinated with internal risk, operations, and external financiers to ensure timely approvals, documentation compliance, and transaction execution\. 10\. Ensured adherence to credit policies, rating frameworks, and audit requirements, supporting strong risk governance\.

Finance Trainee at SASP Advisors LLP, May 2024 \- Aug 2024 · 4 mos, Pune, Maharashtra, India

CSR Intern, Adani Foundation at Adani Foundation, Nov 2023 \- Dec 2023 · 2 mos, Mumbai, Maharashtra, India

## Education

Pgdm, IIEBM Indus Business School

Bachelor of Commerce \- BCom, Accounting and Finance, Vidya Prasarak Mandals K G Joshi College of Arts & N G Bedekar College of Commerce Chendani Bunder Road Thane 400 601

[View the original profile](https://tal.club/meet/om-kharpude)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/om-kharpude#person",
      "name": "Om Kharpude",
      "url": "https://tal.club/meet/om-kharpude",
      "image": "https://tal.club/meet/om-kharpude/profile-photo.jpg",
      "description": "Meet Om Kharpude, Associate Manager – FRM | Credit & Rating Analyst | Reviewed 250+ Rating Rationales & 100+ Research Reports | Credit Risk, Financial Analysis & Trade Finance based in Pune District.",
      "jobTitle": "Associate Manager",
      "worksFor": {
        "@type": "Organization",
        "name": "Invoicemart"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Associate Manager"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Pune District"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "IIEBM Indus Business School"
        },
        {
          "@type": "EducationalOrganization",
          "name": "Vidya Prasarak Mandals K G Joshi College of Arts & N G Bedekar College of Commerce Chendani Bunder Road Thane 400 601"
        }
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/om-kharpude#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/om-kharpude#webpage",
      "url": "https://tal.club/meet/om-kharpude",
      "name": "Om Kharpude on Tal",
      "description": "Meet Om Kharpude, Associate Manager – FRM | Credit & Rating Analyst | Reviewed 250+ Rating Rationales & 100+ Research Reports | Credit Risk, Financial Analysis & Trade Finance based in Pune District.",
      "dateModified": "2026-06-10T13:56:02.121Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/om-kharpude#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/om-kharpude/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/om-kharpude/profile-photo.jpg",
        "caption": "Om Kharpude profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```