Madhu Babu Davuluri
Chennai
Summary
Chartered Accountant and Credit Risk Analyst with 3 years of experience at ICICI Bank, specializing in credit risk assessments and financial reporting. Expertise in ratio analysis and due diligence led to effective risk mitigation and improved portfolio performance. Proficient in report writing and client relationship management, driving strategic insights for decision-making.
Overview
8
8
years of professional experience
Work History
Credit Risk Analyst
ICICI BANK
Chennai
09.2022 - Current
- Conducted detailed credit risk assessments for Business Banking, Large Corporate, and Global clients to ensure accurate ratings aligned with bank's risk appetite.
- Performed due diligence through industry research, business model analysis, client visits, and market feedback to evaluate borrower credibility.
- Analyzed financial statements and industry trends; developed projections and sensitivity analyses to assess debt servicing capacity.
- Executed comprehensive internal risk-rating assessments for new and existing clients, articulating risk perspectives in credit sanctioning forums.
- Drafted credit summary reports and enhanced appraisal documents with risk insights, supporting diverse sector sanctioning decisions.
- Defined and monitored financial and operational covenants while tracking early warning signals for proactive management of high-risk accounts.
- Engaged directly with clients through site visits and relationship management for real-time operational and financial health insights.
- Collaborated with internal stakeholders to shape strategies for credit risk mitigation and portfolio optimization.
Paid Assistant
GMS AND ASSOCIATES
07.2021 - 08.2022
- Conducted stock audits for construction and manufacturing firms on behalf of banks.
- Assisted in startup advisory and financial structuring for Private Limited and Partnership firms.
- Ensured regulatory compliance by preparing and filing GST returns and financial statements.
Article Assistant
RK REDDY AND ASSOCIATES
08.2017 - 07.2020
- Managed tax audits and compliance for Private Ltd Companies, Trusts, Societies, and LLPs.
- Assisted in the preparation and finalization of financial statements.
- Conducted bank reconciliations, tax filings, and income tax returns for diverse clients.
Education
Bachelor of Commerce - Accounting & Finance
Indira Gandhi National Open University
New Delhi, India12.2022
Chartered Accountant - Auditing, Accounting, Taxation
The Institute of Chartered Accountants of India
New Delhi, India05.2022
Skills
- Credit risk assessment and analysis
- Financial reporting and compliance
- Credit ratings and appraisal
- Ratio and sensitivity analysis
- Risk mitigation strategies
- Due diligence and monitoring
- Report writing and documentation
- Regulatory knowledge (RBI, GST, Companies Act)
- MS Office proficiency
- Tally ERP expertise
Affiliations
- Listening to music
Languages
Telugu
First Language
English
Proficient (C2)
C2
Hindi
Upper Intermediate (B2)
B2
Tamil
Beginner
A1
Timeline
Credit Risk Analyst
ICICI BANK
09.2022 - Current
Paid Assistant
GMS AND ASSOCIATES
07.2021 - 08.2022
Article Assistant
RK REDDY AND ASSOCIATES
08.2017 - 07.2020
Bachelor of Commerce - Accounting & Finance
Indira Gandhi National Open University
Chartered Accountant - Auditing, Accounting, Taxation
The Institute of Chartered Accountants of India
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