About Me

Hi! I am Shraddha Deshmukh, a finance professional with a Master’s in Finance from JBIMS and approximately six years of experience across credit underwriting, risk assessment, and business analysis. My career spans institutional finance, early-stage ventures, and capital markets—equipping me with a comprehensive understanding of how capital is allocated, risk is assessed, and businesses are evaluated

At JPMorgan, I specialized in underwriting credit for Emerging Market corporates, assessing entities across a broad credit spectrum—from investment grade to distressed. My portfolio encompassed a wide range of counterparties, including sovereigns, government-related entities, financial institutions, funds, and corporates. I conducted detailed evaluations of business models, sector dynamics, and financial performance, and managed exposure across products such as term loans, revolving credit facilities, derivatives, repos, and cash management solutions.

My role required a blend of analytical rigour and transaction execution—including the negotiation and finalization of credit documentation (ISDAs, GMRAs, and loan agreements), development of bespoke financial models, and coordination of due diligence with client management. I collaborated closely with the Investment Banking division to integrate strategic insights into credit decisions and routinely assessed the impact of macroeconomic developments on client portfolios.

Prior to joining Citi, I worked with a fintech startup focused on MSME lending. There, I led the design of a risk assessment framework tailored to small businesses and supported revenue growth through partnerships with leading logistics and payment platforms.

Earlier in my career, I gained foundational exposure to capital markets at a boutique wealth management firm, where I supported technical analysis for equity and options strategies—an experience that cultivated my long-term interest in financial markets and business analysis.

Beyond my professional experience, I am passionate about animal welfare, having fostered several rescue cats, and have volunteered with organizations dedicated to education. Outside of work, I enjoy travelling and exploring creative projects, particularly in crafts.

This website is a curated platform to share my investment research, case studies, and analytical insights—reflecting how I approach businesses, risk, and opportunity.