Ritabrata Ghosh

Ritabrata Ghosh, FRM, has a diverse work experience spanning over multiple companies. At ICRA, they held various roles, starting as an Analyst from September 2010 to March 2013, then advancing to Senior Analyst from April 2013 to March 2016, and finally becoming an Assistant Vice President from April 2016 to March 2022. Currently, with ICRA, Ritabrata is working as the Vice President for Corporate Ratings & Industry Research since April 2022.

Prior to their time at ICRA, Ritabrata worked at HSBC as an Analyst in the Credit Risk vertical from April 2010 to September 2010. In this role, they were involved in implementing Basel 2 Internal Rating Based-Advanced approach in retail mortgages, focusing on risk models and estimating portfolio Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), and Risk Weighted Assets (RWA).

Before joining HSBC, Ritabrata was a Management Trainee at IDBI Capital from April 2009 to June 2009. During this time, they developed a methodology using the Markowitz portfolio theory to find the optimum portfolio of equity mutual funds and studied diversification benefits of negatively correlated assets in reducing overall portfolio risk.

Earlier in their career, Ritabrata worked as a Software Engineer at Infosys Technologies Ltd from August 2005 to April 2008.

Overall, Ritabrata Ghosh, FRM, has gained extensive experience in corporate ratings, industry research, credit risk analysis, and software engineering during their career.

Ritabrata Ghosh, FRM, holds a CFA Level 2 Certification from the CFA Institute, with a focus on Investments, Financial Markets, and Risk Management. Additionally, Ghosh obtained an MBA in Finance from SVKM's Narsee Monjee Institute of Management Studies (NMIMS). Ghosh also obtained a full FRM certification from the Global Association of Risk Professionals (GARP), specializing in Investments, Financial Markets, and Risk Management. Prior to their post-graduate studies, Ghosh completed a Bachelor of Engineering (BE) in Mechanical from Jadavpur University.