CA Diksha Agrawal
Summary
With a strong foundation in finance, risk management, market research and control functions, I bring a results-driven approach to managing financial risks, driving process improvements, and ensuring compliance within dynamic and highly regulated environments.
Over the years, I've developed expertise across business risk, valuations, investor services, and treasury functions, working with cross-functional teams to align risk frameworks with business goals. My background as a Chartered Accountant enhances my analytical and regulatory acumen, allowing me to bridge the gap between data and decision-making with confidence and clarity.
Key Skills :
•Deep understanding of financial risk frameworks, internal controls, and regulatory standards (including Basel, IFRS, MAS, etc.)
•Exposure to global markets, having worked with stakeholders across the US, EMEA, and APAC regions, navigating regional nuances while maintaining enterprise-wide consistency
•Proven ability to partner with front office, product, and compliance teams to proactively manage operational, market, and credit risk
Currently exploring opportunities where I can contribute to risk-informed financial decision-making and help businesses thrive in complex global markets.
Overview
9
9
years of professional experience
Work History
Valuation Specialist
Deutsche bank
08.2022 - 06.2024
- Market & Valuations Risk Management - APAC Financing Business – Credit Team
- Reviewed and validated pricing of complex financial instruments (bonds, derivatives, structured products) across APAC, ensuring internal models aligned with market data from Bloomberg, Reuters, and other sources.
- Applied quantitative models including DCF, Black-Scholes, and Monte Carlo simulations to assess fair value and ensure valuation accuracy across loans, CDS, FX options, and other products.
- Assessed valuation methodologies used by trading desks for regulatory compliance and internal policy adherence.
- Collaborated with Front Office, Finance, Technology, and Risk partners to analyze month-end results, valuation reserves, and complex transactions.
- Maintained mark-to-market valuation integrity within IPV thresholds; investigated and reported mispricing discrepancies.
- Liaised with clients and Front Office to address pricing queries, resolve disputes, and substantiate valuation decisions with data.
- Partnered with Quant Research and Model Review teams to mitigate pricing model limitations and implement control adjustments.
- Developed proxy pricing and portfolio risk analytics models, contributing to credit updates, stress testing, and FVH leveling under IFRS9.
- Spearheaded process automation and data visualization using Python, VBA, and Power BI, enhancing efficiency and reporting accuracy.
- Implemented valuation control enhancements, including model parameterization, data validation checks, and governance for pricing tolerance breaches.
- Worked on Pruval, L3 sensitivity analysis,FVH leveling as per IFRS9 and stress testing, identifying and controlling potential valuation risk concentrations, uncertainty in pricing inputs, and valuation model uncertainty
- Developed a reputation for excellence in client service by consistently delivering high-quality valuation reports that exceeded client expectations.
- Mentored junior team members in industry best practices and company-specific processes for delivering exceptional service to clients.
- Reduced client disputes by maintaining a high level of communication throughout the valuation process.
- Enhanced valuation accuracy by conducting thorough research and analysis on market trends,up-to-date knowledge on industry trends, regulations comparable properties, and financial data.
- Assessed liquidity and market risk levels and applied risk-based approach to oversee financial activities.
Valuations Analyst
UBS
11.2019 - 07.2022
- Global Valuations Control Group
- Responsible for Independent price verification (IPV) of the Bank's structured finance books across the portfolio and asset class (RMBS, ABS, CDOs, CLOs), US treasuries & WMA.
- Pricing of RMBS, ABS, CLOs ,CDOs & WMA (Relying on Vendor Pricing, Benchmarking, Intex based hand pricing and other methods).
- Performing completeness check and calculating reserve amounts Bid offer for different trading portfolios of UBS group.
- Maintain appropriate completeness controls around the centralized IPV & Reserve aggregation and analysis processes, including appropriate reconciliations to the general ledger and external disclosures
- Worked with the Bank's finance stakeholders & trading desks to discuss and ascertain fair value marking and enforcing prudent and relevant valuation adjustments to the P&L.
- Ascertain Fair Value Hierarchy for different asset class exposures within portfolios and responsible for periodical submissions.
- Responsible for periodical vendor review by challenging prices based on internal valuation methodology used.
- Uncertainty calculation for Prudent valuation and IFRS 13 is done in accordance with established parameters and regulatory requirements.
- Using systems and languages such as Python scripts, tableau, Bloomberg reuters, Intex, etc.
- Involved in VCS group projects to improve Processes through automation with Python, VBA skills and advanced excel skills, Enhanced reporting through Power Bi.
- Assist in reporting packs and controls with regards to FED(monthly) & Management reporting - IHC CUSO entities & OCC exam regulatory reporting (quarterly).
Process Specialist
Cognizant Technology Solution India Pvt Ltd
04.2019 - 10.2019
- Global Valuation Control Group
- Performing Independent Price Verification ( Testing of trader input prices against externally observed levels and quantification of marking level differences) for UBS Bank
Articled Assistant
SB Agarwal & Co
04.2017 - 10.2018
- Handling income tax and statutory audit, ratio analysis and other analytical procedures.
- Preparation & filing of Income Tax Return of individuals,HUFs, Firms & Companies.
Articled Assistant
The Financial Super Market - (formerly GSV & CO)
08.2015 - 03.2017
- Conducting and handling of Tax Audits and other Statutory audits covering ledger scrutiny, verification of bank statements, loans & advances, TDS compliances, indirect taxes,calculating depreciation as per Companies Act.
- Assisted in conduct of Internal Audits of one of the Fortune 500 Company - Dainik Bhaskar and LG.
- Assisted and handled projects related to Project Finance.
- Gained good knowledge and experience in working in SAP system.
- Conducted comprehensive GST audit &Conducted comprehensive GST audit & filed GST returns for +15 companies with annual turnover of more than Rs. 10crores.
- Handled Input Tax Credit reconciliation and applicability of ITC reversals for 20+ clients.
Education
Chartered Accountant -
The Institute of Chartered Accountants of India
01.2018
Bachelor of Commerce - undefined
Veer Narmad South Gujarat University
01.2017
Skills
- MS Office Suite, Python, Power BI, Advance Excel, Alteryx, VBA
- Bloomberg – Reuters (BQL, BDP & BDH), Intex, Tableau
- Financial statement analysis
- Due diligence
- Portfolio management
- Valuation modeling
- Capital structure analysis
- Debt valuation
- Business valuation
- Teamwork and collaboration
- Problem-solving
- Time management
Accomplishments
● Received award from UBS for recognition of outstanding dedication and commitment - CFO Award 2022, (Extra Miler Award) in Q2
2021 & Q2 2020.
Languages
English
Advanced (C1)
Hindi
Advanced (C1)
Timeline
Valuation Specialist
Deutsche bank
08.2022 - 06.2024
Valuations Analyst
UBS
11.2019 - 07.2022
Process Specialist
Cognizant Technology Solution India Pvt Ltd
04.2019 - 10.2019
Articled Assistant
SB Agarwal & Co
04.2017 - 10.2018
Articled Assistant
The Financial Super Market - (formerly GSV & CO)
08.2015 - 03.2017
Bachelor of Commerce - undefined
Veer Narmad South Gujarat University
Chartered Accountant -
The Institute of Chartered Accountants of India
Similar Profiles
Dnyaneshwar BhogilDnyaneshwar Bhogil
Trade and Transaction Analyst at Deutsche Bank Group, Deutsche BankTrade and Transaction Analyst at Deutsche Bank Group, Deutsche Bank
PRADEEP KUMARPRADEEP KUMAR
Assistant Vice President at Deutsche India Private Limited (Deutsche Bank Group)Assistant Vice President at Deutsche India Private Limited (Deutsche Bank Group)
Manoj Singh SolankiManoj Singh Solanki
Senior Analyst at Deutsche India Pvt. Ltd- Deutsche Bank GroupSenior Analyst at Deutsche India Pvt. Ltd- Deutsche Bank Group
Amit KulkarniAmit Kulkarni
Vice President at Deutsche India Pvt. Ltd, Deutsche Bank of India, DBOIVice President at Deutsche India Pvt. Ltd, Deutsche Bank of India, DBOI
TERA CHERITERA CHERI
Jewelry Valuation Specialist at EnservioJewelry Valuation Specialist at Enservio