Summary
Overview
Work History
Education
Skills
Certification
Websites
Timeline

Deepthi Nair V

Bengaluru

Summary

Dedicated and detail-oriented Credit Analyst with ~4 years of professional experience, including ~3.5 years of relevant expertise in credit analysis, financial management, and team leadership. Seeking a challenging position as a Credit Analyst to leverage my skills and contribute to clients' financial well-being while adhering to the highest risk and compliance standards.

Overview

14
14
years of professional experience
1
1
Certification

Work History

Rating Analyst

Brickwork Ratings India Pvt Ltd
Bangalore
08.2021 - Current
  • Conduct comprehensive credit analysis, including the assessment of financial statements and credit histories, to prepare detailed credit memoranda
  • Collaborate with Frontline and Risk teams to ensure all key analytical areas are covered
  • Establish and maintain strong working relationships with Business (RM's and R&A Associates) and Risk Executives
  • Demonstrate strict adherence to policies internally as well as guidelines and policies mandated by Securities and Exchange Board of India, setting an example for risk and compliance standards
  • Actively identify and implement opportunities to improve the efficiency and quality of the credit process
  • Instill a customer-centric approach to the credit process, prioritizing customer timelines
  • Ensure data quality assurance in various systems for the portfolio covered, with focus on accurate data management
  • Exhibit excellent communication skills and the ability to build effective relationships with stakeholders, responding to requests in a timely and professional manner.

Assistant Lecturer

Avinashilingam Deemed University For Women
Coimbatore
08.2011 - 03.2012
  • Developed and maintained an open rapport with students, encouraging engagement and academic progress, demonstrating strong interpersonal skills
  • Administered, collected, and graded assignments, providing detailed feedback, fostering a culture of continuous improvement and commitment to learning and development
  • Taught various subjects, helping students develop analytical and problem-solving skills, with emphasis on analytical abilities.

Officer

Dhanlaxmi Bank
India
06.2009 - 09.2010
  • Assisted customers with special services, account updates, and promotional options, demonstrating strong customer service skills
  • Reconciled cash drawers at the start and end of each shift, accounting for errors and resolving discrepancies, showcasing attention to detail and accuracy
  • Participated in loan processing and prepared documentation, ensuring paperwork was completed accurately and addressing discrepancies promptly, with focus on financial processes.

Education

Master of Commerce (MCom) - Financial Accounting

Avinashilingam University For Women
04.2009
  • GPA: 86%
  • Distinction

ICMAI Inter - Cost Accounting

The Institute of Cost Accountants of India (ICMAI)
12.2008

Bachelor of Commerce - Financial Accounting

Calicut University
06.2007
  • GPA: 73%
  • First Class

Skills

  • Credit Analysis
  • Team Leadership
  • Financial Planning and Analysis
  • Variance Analysis
  • Budgeting and Financial Modeling
  • General Ledger Accounting
  • Advanced Microsoft Excel
  • Power BI (Basic Understanding)
  • Continuous Learning
  • Risk Assessment
  • Banking Regulations
  • Report Preparation
  • Loan Documentation
  • Verbal and Written Communication
  • Information Verification
  • Oral and Written Communications
  • Multitasking
  • Organizational Skills
  • Data Management

Certification

  • Forensic Accounting and Fraud Examination, Coursera, 06/2021
  • Banking & Financial Analyst Program 21-22
  • Fundamentals of USGAAP, Udemy, 07/2021
  • Managerial Accounting: Cost Behaviour, Systems, and Analysis, Coursera, 06/2020
  • Managerial Accounting: Tools For Facilitating and Guiding Business Decisions, Coursera, 05/2020

Timeline

Rating Analyst - Brickwork Ratings India Pvt Ltd
08.2021 - Current
Assistant Lecturer - Avinashilingam Deemed University For Women
08.2011 - 03.2012
Officer - Dhanlaxmi Bank
06.2009 - 09.2010
Avinashilingam University For Women - Master of Commerce (MCom), Financial Accounting
The Institute of Cost Accountants of India (ICMAI) - ICMAI Inter, Cost Accounting
Calicut University - Bachelor of Commerce, Financial Accounting
  • Forensic Accounting and Fraud Examination, Coursera, 06/2021
  • Banking & Financial Analyst Program 21-22
  • Fundamentals of USGAAP, Udemy, 07/2021
  • Managerial Accounting: Cost Behaviour, Systems, and Analysis, Coursera, 06/2020
  • Managerial Accounting: Tools For Facilitating and Guiding Business Decisions, Coursera, 05/2020
Deepthi Nair V