Kiran Kumar Gowda B
Kundapura
Summary
Experienced and detail-oriented finance professional with seven years of expertise in credit analysis and currency management. Seeking a challenging role in a reputable financial institution where I can apply my knowledge of risk assessment, financial analysis, and regulatory compliance to support sound lending decisions and strengthen operational efficiency.
Certified SAP FICO professional with seven years of experience in credit analysis and currency management, skilled in financial reporting, account reconciliation, and credit risk assessment using SAP modules. Experienced Credit Analyst offering well-developed skills in managing teams, record updates, and financial statement reviews. Pursuing a position in a busy organization where a qualified individual with an understanding of collections is highly sought.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Credit Analyst
IDFC FIRST Bank
Bangalore
04.2022 - Current
- Conducted detailed financial analysis of borrowers by reviewing income statements, balance sheets, and cash flow reports to assess creditworthiness.
- Evaluated loan applications and prepared comprehensive credit appraisal notes with risk ratings and recommendations.
- Ensured strict compliance with internal credit policy and RBI regulations during credit evaluation and loan sanctioning.
- Maintained and updated customer financial records and ensured timely credit reviews and renewals.
- Supported clients by providing guidance on credit documentation, terms, and repayment structures.
- Prepared and presented credit reports and risk analysis to the Credit Committee for decision-making.
- Analyzed credit applications to assess risk and financial stability.
- Reviewed financial statements to determine creditworthiness of clients.
- Prepared detailed reports to support lending decisions and recommendations.
- Conducted market research to identify trends impacting credit risk assessments.
- Maintained adherence to Turn Around Time (TAT) on customer loan requests, meeting the standards set by service level agreements.
- Ensured comprehensive internal control of policies and processes by maintaining data quality within systems.
- Monitored and updated compliance with new and existing policies throughout the file processing stages.
- Executed preliminary credit checks on customer profiles, adhering to established policy guidelines.
- Led team training initiatives on updated policies and amendments, fostering improved adherence and knowledge.
- Conducted regular training sessions for sales staff on loan booking policies and documentation.
Analyst - Currency Management
IDFC FIRST Bank
08.2018 - 03.2022
- Process Improvements-coordinating with other leading banks to acquire better Relationship for cash disposing with low/zero cost.
- CIT (Cash in Transit) cost managed effectively.
- Assisted with correspondent banks for disposing the excess cash holdings with the Zero cost so that the other Bank cash disposing cost decreased by 80%
- Work closely with Accounting to ensure continuity and understanding in Journal entry accruals/adjustments.
- Audit Compliance
- Effectively handled the Day to Day operations in the Bulk/Retail Cash counter.
- Managed everyday activities and ensured optimal level of customer satisfaction.
- Reporting of Counterfeit Notes to RBI on monthly basis.
- Invoice Payments
Education
Diploma in Computer Application (DCA) -
Manipal Institute of Computer Education (MICE)
01-2018
Tally ERP 9 -
Manipal Institute of Computer Education
01.2018
Microsoft Office 365 - Word, Excel, Power Point, Access, Outlook
Manipal Institute of Computer Education
01.2018
Bachelor of Commerce - Finacial Accounting
Mangalore University
01.2017
Skills
- Credit Appraisal & Documentation
- Financial Statement Analysis
- Credit risk evaluation
- Fraud prevention and detection
- Credit score analysis
- Loan processing and underwriting
- Regulatory adherence
- Credit decisions
- Information verification
- Loan documentation
- Banking operations
- Regulatory compliance (RBI/NBFC norms)
- Underwriting
- Financial statement analysis
- Team leadership
- Market research
Certification
Certified SAP FICO professional with 7 years of experience in credit analysis and currency management, skilled in financial reporting, account reconciliation, and credit risk assessment using SAP modules.
Hobbies and Interests
- Financial Markets
- SAP Tools
- Data Analysis
- Cricket
- Public Speaking
- Personal Finance Planning
Languages
- Kannada
- English
- Hindi
Personal Information
- Father's Name: Jagannatha Gowda
- Date of Birth: 11/29/95
- Gender: Male
- Nationality: Indian
- Marital Status: Single
Timeline
Credit Analyst
IDFC FIRST Bank
04.2022 - Current
Analyst - Currency Management
IDFC FIRST Bank
08.2018 - 03.2022
Diploma in Computer Application (DCA) -
Manipal Institute of Computer Education (MICE)
Tally ERP 9 -
Manipal Institute of Computer Education
Microsoft Office 365 - Word, Excel, Power Point, Access, Outlook
Manipal Institute of Computer Education
Bachelor of Commerce - Finacial Accounting
Mangalore University
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