KARTHIK S.K.

• Assess and appraise credit proposals for working capital and LAP facilities for SME and Mid-Corporate clients.
• Conduct detailed financial analysis, ratio analysis, cash flow projections and risk assessment of borrowers.
• Analyzed applicants' financial status, credit and property evaluations to determine loan feasibility.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Conduct personal discussion with borrowers to assess management quality, business model viability, and intent to repay.
• Prepare and present comprehensive credit appraisal memos to sanctioning authorities in line with internal policies and regulatory norms
• Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
• Improved credit risk management by implementing effective underwriting policies and procedures.
• Complied with established internal controls and policies.

• Focusing on Kisan Credit Card (KCC) loans - Role in managing the credit operations for a designated cluster or region.
• Evaluating the creditworthiness and financial stability of farmer applicants.
• Analyzing credit applications, financial statements, and documents related to landholding and cropping patterns.
• Underwriting KCC loans and presenting them for higher-level approvals when required.
• Making sanction decisions based on the credit appraisal process and the established deviation matrix.
• Conducting periodic branch visits for supervision and better oversight of the credit operations within the cluster.
• Assessing risks associated with KCC loans and implementing policies and procedures to mitigate credit risk.
• Monitoring compliance with credit policies and processes to ensure the quality of sourced business and manage delinquencies within set targets.
• Conducting periodic credit reviews and risk assessments.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Vendor management both legal and technical, supporting to business and operation team from login to disbursement process.

• Focusing on credit appraisal of Kisan Credit Card (KCC) and SLI loans.
• Underwriting loans and presenting them for higher-level approvals when required.
• Conducting periodic branch visits for supervision and better oversight of the credit operations of allocated branches.
• Assessing risks associated with KCC loans and implementing policies and procedures to mitigate credit risk.
• Monitoring compliance with credit policies and processes to ensure the quality of sourced business and manage delinquencies within set targets.
• Conducting periodic credit reviews and risk assessments.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Team management, leading and managing a team of credit officers, providing guidance and mentorship.
• Monitoring the productivity levels of the team and ensuring adherence to company rules, regulations, and processes.
• MIS reporting to Location managers and Regional teams on various data requirements.
• Branch wise portfolio management, Data analysis, TAT management, MOB submission etc.,

• Represent the BDTC on various public platforms, disseminating research findings and promoting the adoption of biogas technology.
• Provide technical support and expertise to stakeholders involved in biogas projects, including government agencies, farmers, entrepreneurs, and NGOs.
• Develop and deliver training programs on biogas plant construction, operation, maintenance, and safety.
• Conduct skill development courses for masons, technicians, and other professionals involved in the biogas sector.

Involved in various tasks such as delivering course content, conducting lab and field work, evaluating student performance, advise students, collaborate with faculty on projects, organize field trips, prepare instructional materials, participate in departmental meetings, and engage in professional development.