My CCAP Experience – Tanvi Gokhale

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fb-001-Tanvi Gokhale, CCAP Batch VI
CRISIL – Ratings

25 years of CRISIL; 25 years of Credit Rating — we at CRISIL Ratings have a huge legacy to live up to.

We had read a million manuals and spoken to our seniors at length about what to expect at CRISIL Ratings. In spite of all that, I was still a nervous wreck on my first day at work. Right from day one, my boss told me that this was going to be a very interesting, but very challenging, job. Six months into it, I can vouch that he was right on both counts.

The work profile of the usual CCAPian assigned to Ratings involves assisting his/her team with the analysis of the company and the instrument issued – financial risk, industry risk, business risk, management risk, etc. (yes, all of these are as important as the top-line and bottom-line). There are good chances of a CCAPian from a senior batch being in the team and becoming your mentor. It’s an exciting job; one that you can learn a lot from. CRISIL Ratings places a very high value on integrity. The margin for error, at every level, is very low.

The greatest part about the job is that you get to interact with some of the best minds in the business. If you think you’ve mastered an analysis, you’d better wait till you get to present it at a Rating Committee meeting. The high-powered debate will ensure that you see stuff hadn’t even thought about. And try not to miss the knowledge-sharing sessions that happen periodically. These are great places to pick up insights straight from the experts.

Two days of the six-day week are for classes — a chance to learn from experienced faculty from leading Mumbai B-schools. I knew next to nothing about finance, but now the financial jargon has started making sense. Yes, working on presentations and assignments after spending a long and tiring day at work does seem like a daunting task. But what keeps me going is the feeling of achievement that comes from doing well. All in all, CCAP so far has been a one-of-a-kind experience that is exhausting, demanding and enriching at the same time


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