Pramod A
Bangalore,Karnataka
Summary
Experienced credit analyst with 3.8 years of experience evaluating creditworthiness for personal and business loans. Proficient in using strong analytical skills to assess credit risk. Proven track record of building strong client relationships and fostering trust. Committed to continuous professional development and staying up to date on legal and compliance issues to ensure regulatory compliance.
Overview
5
5
years of professional experience
Work History
KYC Analyst
Avail Finance
02.2018
- Conducted due diligence on customers to identify and mitigate risks associated with money laundering and financial crimes
- Implemented KYC procedures to ensure compliance with regulatory standards and company policies
- Reviewed and analyzed customer documentation to validate their identities and assess potential risks
Credit Analyst
NIRA Finance
03.2022 - Current
- Analyzing financial statements, credit reports, and relevant data to assess creditworthiness of individuals and businesses
- Evaluating borrowers' financial health by analyzing income, debt levels, and liquidity
- Assessing credit risk and providing recommendations for credit approvals or rejections
- Preparing detailed credit reports and summaries for internal and external stakeholders
- Creating a strong mindset regarding credit policy and modifying and implementing the dashboard accordingly
- Discovering a significant fraud case
- Discussing with the tech team to identify the significant ring
- Reviewing the monthly NPA portfolio and implementing strategies to reduce future risk
Credit Process Associate
NIRA Finance
12.2020 - 03.2022
- Taking care of daily campaigns and monitoring junior credit follow-up team
- Enter, update and retrieve information for credit applications
- Determine credit worthiness of applicants and ensure all approved applications comply with firm and lender criteria
- Reviewed and analyzed customer documentation to validate their identities and assess potential risks
Data Mining
Markelytics Solutions
09.2019 - 10.2020
- Sorting through large data sets to identify patterns and relationships that can help solve business processes through data analysis
- Analysis data in order hidden patterns and used to predict future behaviour
Education
Bachelors of Commerce (B.Com) -
Bangalore University
Bangalore, Karnataka01.2017
Skills
- Microsoft Excel
- SQL Basics
- Credit Analysis and underwriting
- KYC and due diligence
- Credit bureau
- Data analysis
Languages
English
Kannada
Telugu
Disclaimer
I hereby declare that all the information furnished above is true to the best of my knowledge.
Timeline
Credit Analyst
NIRA Finance
03.2022 - Current
Credit Process Associate
NIRA Finance
12.2020 - 03.2022
Data Mining
Markelytics Solutions
09.2019 - 10.2020
KYC Analyst
Avail Finance
02.2018
Bachelors of Commerce (B.Com) -
Bangalore University
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