S&P GLOBAL RATINGSAssociate (Hospitality, Real Estate, Middle East & CIS)
Feb. 2022 - Sep. 2024Dubai, UAE● Developed broad industry expertise by managing a diverse portfolio of corporate credits across high yield and investment grade, spanning over 10 industries in the Middle East (UAE, Saudi Arabia, Bahrain, Oman) and CIS regions ● Acted as primary credit analyst for Middle East corporate issuers, including FIVE Holdings, Damac, Emaar, Cenomi, and a major Egyptian real estate and hospitality group ● Built 70+ financial models for issuers, covering cash flow forecasts, covenant testing, downside risk, and recovery scenario analysis ● Led financial modeling and feasibility analysis for hospitality and real estate projects, assessing debt structures and sustainability under FX and regulatory risk scenarios ● Initiated S&P’s hospitality sector coverage in Dubai and delivered the First-ever credit rating for FIVE Holdings ● Anticipated market impact of Saudi Aramco capex cuts on regional drillers’ leverage, shaping investor expectations ahead of rig cancellation news - “GCC Oil and Gas Producers' Capex Cooldown Won't Fire Up Drillers' Leverage” ● Published over 45 issuer and market trend reports, contributing to regional credit research and investor transparency ● Presented credit opinions and market insights to C-suite executives and institutional investors across the Middle East and CIS ● Mentored and trained 6 junior analysts, resulting in a 15% improvement in team delivery speed and output consistency