Analytical finance professional with a robust background in credit appraisal, financial analysis, and working capital assessment. Proficient in Python, SQL, Power BI, and financial modeling, with practical experience in Machine Learning models. Actively pursuing advanced skills in Generative AI and Agentic AI to enhance data-driven financial decision making capabilities. Committed to leveraging technology and analytical expertise to drive strategic financial insights and optimize business performance.
Hi, I’m
KASTURI DASH
Credit Analyst - Infrastructure Finance Division
Summary
Overview
2
years of professional experience
6
years of post-secondary education
Work History
Kotak Mahindra Bank Ltd
Deputy Manager || Infrastructure Finance Division
2023.06 - Current (3 education.years_Label & 1 education.month_Label)
Job overview
- Conducted comprehensive financial analysis and credit appraisals for customers seeking loans for construction equipment, including the assessment of income stability, banking behavior, repayment capacity, and overall creditworthiness. Managed portfolios of customers having turnover more than 100 crores.
- Performed detailed ratio analysis (DSCR, ICR, profitability, and liquidity ratios) and analyzed customer financial statements using Excel and basic SQL queries to extract and validate key financial data from internal systems.
- Collaborated closely with senior credit managers and underwriting teams to evaluate risks, identify potential financial red flags, and structure appropriate lending solutions, including working capital limits for eligible customers.
- Prepared CAM reports, monitored portfolio health, and recommended risk-mitigation strategies to support sound lending decisions.
Ultratech cement Ltd
Internship
2022.05 - 2022.07 (2 education.months_Label)
Job overview
- Performed financial and ratio analysis of Ultratech Cement Ltd. And competitors to evaluate liquidity, profitability, and industry position.
- Developed a working capital forecasting model using Python (linear regression, time-series models) to predict future requirements with high accuracy.
- Used SQL for data extraction, and Power BI for dashboarding and visualization, enabling clearer insights for planning and decision-making.
Education
Welingkar Institute of ManagementBengaluru
PGDM from Business Analytics & Finance
2021.07 - 2023.05 (1 education.year_Label & 10 education.months_Label)
University Overview
- Completed PGDM in Finance and Business Analytics, developing strong financial and analytical skills interpret financial statements, ratio analysis, and leverage data tools like PowerBI, Tableau and Programming Languages(R & basics of Python), SQL for informed, faster business decisions.
- GPA: 8.2
Kalinga Institute of Industrial TechnologyBhubaneswar
BTech from Electronics & Electrical Engineering
2015.08 - 2019.06 (3 education.years_Label & 10 education.months_Label)
University Overview
- Studied Embedded systems, IoT and fundamental business decision making concepts, enhancing my technical understanding and strengthening analytical problem-solving abilities.
- GPA: 8.5
Skills
Python for model building (Pandas, NumPy, Scikit-learn)
SQL (Data Extraction & Analysis)
Financial Analysis & Ratio Analysis
Statistics & Machine Learning
Power BI (Dashboard & Reporting)
Generative AI & Agentic AI (Currently Studying – Applications in Finance & Automation)
Accomplishments
Accomplishments
- Recognized as the Kotak Wonder Woman (KWW) in the Management Trainee segment (Construction Equipment Division), ranked #1 nationally, and felicitated at the corporate headquarters in Mumbai.
- Recognised as an All India Radio–approved artist and trained Hindustani classical vocalist, holding a Visharad in Hindustani Classical Music.
Timeline
Deputy Manager || Infrastructure Finance Division
Kotak Mahindra Bank Ltd
2023.06 - Current (3 education.years_Label & 1 education.month_Label)
Internship
Ultratech cement Ltd
2022.05 - 2022.07 (2 education.months_Label)
Welingkar Institute of Management
PGDM from Business Analytics & Finance
2021.07 - 2023.05 (1 education.year_Label & 10 education.months_Label)
Kalinga Institute of Industrial Technology
BTech from Electronics & Electrical Engineering
2015.08 - 2019.06 (3 education.years_Label & 10 education.months_Label)