A. Gopi Krishna

Dynamic Senior Credit Analyst with extensive experience at Standard Chartered, excelling in credit analysis and loan underwriting. Proven track record in developing policies that reduced cycle time by 30%. Adept at risk assessment and regulatory compliance, fostering team collaboration to enhance quality and mitigate fraud.

• Date of Birth: 05/20/87
• Marital Status: Married

Usha International Ltd., A Study On Working Capital Management, 120 Days, Administration of all aspects of current assets namely cash, marketable securities debtors and stock and current liabilities. Working capital management takes much of the financial Managers time. Working capital forms a large portion of the total investment in assets. Small scale units heavily depend upon the working capital.

G. Arumugam

• Senior Credit Analyst, Standard Chartered Global Business Service, 06/01/23, Present, Review and approve Personal Loans and Credit Cards with a high ticket size loans for Ghana and Gambia regions., Different type of Credit cards is processed as unsecured, secured, corporate, self-employed and AUM wealth management card., Good working knowledge of mortgage loan processing and Relevant legal regulation., Gathering different financial information from a customer, such as Pay slips and past repayment history, to assess their capability to honor financial obligations., Develop and implement underwriting policies and procedures., Interpret loan documentation and reports to identify signs of fraudulent activity., Conducting trainings and meetings within a team to improve Quality., Worked on project to develop loan eligibility calculator which will Reduce 30% cycle time., Handling daily and monthly stand up call with stakeholders.
• Deputy Manager, HDFC Bank Ltd., 03/01/16, 06/01/23, Monitoring of all branch operations like, Clearing, CMS, AOF process & Gold Loans closing of service in TAT., Tallying Physical cheques received for Inward and Outward Clearing., Managing the Outward Clearing within the Cutoff timings and without exceptions., Verification and Authorization of all entries before presentation for Clearing., Identifying the Return Cheques and to the presenting bank and raising referral and follow up for response., Maintaining relevant Registers like Outward Return Register, Counter Return Register etc., Call Back of vouchers with the report of transactions inputted and authorized., Preparing and maintaining MIS and submitting the same to the management from time to time.
• Risk & Control Executive, IndusInd Bank, 03/01/14, 02/28/16, Loan document verification of loan applicants., Visit for Securitization Pool & Book debts Audit for MFI'S., KYC (know your customer details) verification and enrolment forms., Center meeting visit (field work)., Loan utilization check of Loan applicants (field work)., Branch office documents verifications i.e. Attendance register, Bank statement, BRS, cash book etc., Insurance register and death claim settled details DC KYC and loan document of Deceased clients., Statutory documents verifications (Labour license, certificate of registration under MFIN, & Shop and establishment certificate).
• Customer Service Executive, Muthoot Fincorp Ltd., Chittoor, 09/01/11, 10/31/13
• Lecturer in Financial Accountancy, Vijetha Degree College, Chittoor, 08/01/09, 07/31/11