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SK Ayaj Ahmed is an accomplished financial professional with a strong background in rating analysis and recovery management. Currently serving as a Senior Rating Analyst at CRISIL Limited since April 2023, SK has previously held the position of Recovery Manager in the NPA Management Group at IDBI Bank from March 2020 to April 2023, where responsibilities included facilitating recovery actions under the SARFAESI Act, 2002, and conducting fraud investigations. Prior experience includes a tenure as a Management Trainee at ICICI Prudential Life Insurance Company Limited, focusing on sales data analysis and team development, along with a summer internship at Mahindra Finance that involved streamlining NPA management processes. SK holds an MBA in International Business Marketing from the Institute of Management Studies, Banaras Hindu University, and a Bachelor's degree in Accounting and Finance from the University of Calcutta.