Vanessa Gonsalves
About Vanessa Gonsalves
Vanessa Gonsalves is a Senior Credit Risk Analyst at CIBC with nearly a decade of experience in credit and risk management, specializing in retail lending portfolios.
Title
Vanessa Gonsalves is a Senior Credit Risk Analyst currently working at CIBC. She has held this position since 2020 and is based in Toronto, Ontario, Canada.
Company Experience at CIBC
Vanessa Gonsalves joined CIBC in 2020 as a Senior Credit Risk Analyst. In this role, she manages credit exposure for corporate and commercial clients by applying borrowing base mechanisms. Vanessa works closely with Relationship Managers, Portfolio Analysts, and Security Analysts to resolve monitoring issues related to credit portfolios.
Previous Roles at Commercial Bank International
From 2015 to 2019, Vanessa Gonsalves worked as Manager- Retail Credit Risk at Commercial Bank International in Dubai, United Arab Emirates. During her tenure, she managed retail credit risk and was responsible for developing credit risk policies and procedures for the retail banking segment.
Expertise from ICICI Bank
Vanessa has considerable experience from her time at ICICI Bank in Mumbai, Maharashtra, India. She served as a Senior Manager, Retail Credit Risk Policy from 2013 to 2015, and as a Manager, Retail Credit Risk Policy from 2010 to 2013. In these roles, she was instrumental in formulating and implementing credit risk policies for retail lending portfolios.
Early Career at Deutsche Bank and Kamdar Desai & Patel
Vanessa began her career at Deutsche Bank as an Industrial Trainee in the Global Credit Ratings Team from 2009 to 2010. Prior to that, she was an Article Assistant at Kamdar Desai & Patel Chartered Accountants from 2007 to 2009, where she gained foundational experience in accounting and finance.
Education and Certifications
Vanessa Gonsalves earned her Chartered Accountant certification from The Institute of Chartered Accountants of India after studying Accounting and Finance. She also holds a Bachelor's degree in Commerce (B.Com) in Accounting and Finance from the University of Mumbai, where she studied from 2004 to 2007.