Summary
Overview
Work History
Education
Skills
Profession Relevant Skills
Hobbies and Interests
Timeline
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Deepak R

Bengaluru

Summary

Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.

Overview

5
5
years of professional experience

Work History

Senior Credit Analyst

ANZ
08.2021 - Current
  • Supervised a team of 60 credit analysts and coordinate between them and management.
  • Analyze financial data, such as market share and income growth, to determine expected loan profitability.
  • Assessed loan applicant's creditworthiness while ensuring adherence to credit policies and framworks
  • Identify and escalate process, policy and procedural improvements which can benefit the Business Function
  • Recommendations provided on the effectiveness of existing learning solutions and recommend alternatives where appropriate
  • Gathered loan documentation for underwriting.
  • Documented and delivered effective training to all the team members
  • Effective cost management
  • Ensured business needs and quality standards are met with having policies and procedures in place
  • Experienced in Fulfillment/servicing process
  • Effectively identifying, understanding, and mitigating any potential risks
  • Utilized Credit Authority Discretion (CAD) to make lending decisions by analyzing the credit, character of the client based on the 5C's


Tax Analyst

Ernst & Young
04.2019 - 08.2021
  • Direct Tax return preparation and filing of the same in Revenue Authorities Portal.
  • Monthly Withholding computations for Inbound assignees
  • Reviewing tax identity collection process to ensure the accuracy & effectiveness by simplifying process
  • Cross functional tax subject matter & cross functional tax solutions
  • Capital Gains calculation (long term, Short term)
  • Foreign tax credit (FTC)
  • DTAA (Double Taxation Avoidance Agreement)
  • Documenting tax related documents
  • Interaction with global team specialists/ clients for tax return, advance tax, withholding preparation, property tax review, tax bills

Education

BBA - Finance

New Horizon College
Bengaluru, India
06.2019

Skills

  • Credit analysis

  • Teamwork and Collaboration

  • Attention to Detail

  • Supervision and leadership

  • Financial statement evaluation

  • Risk assessment

  • Credit scoring models

  • Data analysis

  • Regulatory compliance

  • Portfolio monitoring

  • Financial reporting

  • Problem-solving

  • Communication

  • Time Management

  • MS Office

  • Calm Under Pressure

Profession Relevant Skills

  • Skilled in various analytical and financial analysis.
  • Excellent ability to work with teams across a variety of departments.
  • Strong leadership and management skills.
  • Excellent negotiation skills.
  • Ability to solve problems both qualitatively and quantitatively.
  • Work experience in Loan applications with credit risk in place
  • Effective at organization and multitasking duties.
  • Able to make quick and effective judgment calls by using critical thinking skills.
  • Good written and oral communication skills and exceptional customer service abilities.

Hobbies and Interests

During my downtime, I enjoy walking, do household chores and I travel a few times or one time in a year. I am passionate about learning everything about animals and their behaviors. I like to go on night walks when there is silence everywhere. I love to spend time with my pets. I'm into fitness too and watching movies at the cinemas. Very passionate about Silver jewelries, its that bright shine that catches my attention.

Timeline

Senior Credit Analyst

ANZ
08.2021 - Current

Tax Analyst

Ernst & Young
04.2019 - 08.2021

BBA - Finance

New Horizon College
Deepak R