Kapilash Pradhan
Bengaluru
Summary
Highly motivated and results-oriented Credit Analyst with 3 years and 6 months of experience in assessing creditworthiness, mitigating risks, and optimizing financial strategies. Proven ability to analyze complex financial data and provide actionable insights. Seeking to leverage expertise in credit analysis and evacuation skills to contribute effectively to a dynamic financial institution.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Credit Analyst
OTO Capital
Bengaluru
11.2021 - 02.2024
- Developed and maintained strong relationships with clients to facilitate smooth credit processes.
- Collaborated with cross-functional teams to ensure compliance with regulatory standards and internal policies.
- Prepared detailed credit reports and presentations for management review.
- Utilized advanced Excel skills to model various scenarios and analyze data effectively.
- Developed relationships with external partners such as creditors, appraisers, title companies, in order to facilitate smooth processing of loan applications.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
Credit Analyst
Aditya Birla Group
Bengaluru
07.2020 - 09.2021
- Assisted senior analysts in evaluating credit applications and assessing risk factors.
- Conducted research on industry trends and market conditions to support credit decision-making.
- Participated in team meetings and contributed insights to improve credit analysis processes.
- Acquired hands-on experience in using financial software and databases.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Maintained accurate records of all transactions related to credit activities.
- Created reports, presentations, and other documentation for stakeholders.
Education
Bachelor of Arts - Police Science
Sri Sri Jagannath Degree College
Rajnagar06-2020
+2 (PUC) - Arts
Sri Sri Jagannath Mohavidyalay
Rajganar05-2017
Skills
- Financial Analysis
- Credit Risk Assessment
- Evacuation Planning
- Data Analysis
- Financial Modeling
- Relationship Management
- Communication Skills
- Regulatory Compliance
- Microsoft Adv Excel
- MS Office
- Front-End Software (HTML, CSS, JS)
- Underwriter
Accomplishments
- Aditya Birla Group Value Award 2021 (South Zone)
- OTO Capital Credit Team Top Achiever (Target)
Languages
Oriya
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Certification
- SQL for Finance Professionals
- Power BI: Dashboards for Beginners
Interest
- Coding
- Reding News Paper
- Browsing Internet
Timeline
Credit Analyst
OTO Capital
11.2021 - 02.2024
Credit Analyst
Aditya Birla Group
07.2020 - 09.2021
Bachelor of Arts - Police Science
Sri Sri Jagannath Degree College
+2 (PUC) - Arts
Sri Sri Jagannath Mohavidyalay
- SQL for Finance Professionals
- Power BI: Dashboards for Beginners
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