Malagavali Sai Krishna Reddy
Lead Credit Analyst
Bangalore
Summary
Lead Credit Analyst with a robust background at Royal Bank of Scotland and Natwest Markets, specializing in credit risk assessment and financial statement analysis. Excelled in enhancing operational efficiencies by automating risk processes, showcasing exceptional relationship management and analytical prowess. Achieved significant reductions in execution time, underscoring a blend of technical and interpersonal skills.
Overview
8
8
years of professional experience
2
2
Certifications
Work History
Lead Credit Analyst
Royal Bank of Scotland, RBS
Bengaluru
01.2021 - Current
- Specialized in Invoice Discounting product.
- Financial analysis of management and audited accounts, and escalation of risk factors concerning the financial position of the client to Client Managers.
- Preparation of review packs for annual reviews, highlighting the financial and non-financial stats and risk issues to Client Managers before interviewing the clients for the annual review.
- Monitoring of non-financial risk parameters and escalating to Client Managers, highlighting probable fraud activities by client.
- Supporting Team lead with training of new joiners and being point of contact for doubts and queries.
- Part of the transformation team representing Invoice finance during the transition from using Microsoft-licensed CRM to in-house built CRM. Key consultation involved an increase in automation of high operational risk processes and automated escalation of risk issues.
Senior Analyst - Risk
Natwest Markets
03.2020 - 12.2020
- Being part of Control Assurance Team in Risk Management , which is 3rd line of defense, Core responsibility was to analyze and validate controls and processes which are put in place across bank for Regulatory and Internal compliance requirement.
- Assurance testing of non-SOX controls across Market, Credit and Operational Risk
Intern
Natwest Markets
04.2019 - 05.2019
- Supported staff members in their daily tasks, reducing workload burden and allowing for increased focus on higher-priority assignments.
- The project deals with the calculation of capital required by the bank for a newly issued Treasury bond. The capital is calculated by the Internal Model Approach (IMA) by calculating VaR for the bond.
- The Capital is calculated by the Internal Model Approach (IMA) by calculating VaR for the bond.
- The current regulatory standard was to be used to calculate capital requirement. In this project, RWA is calculated using three different methods: 1) Non-modeled method, 2) Modeled method, and 3) FRTB (Fundamental Review of Trading Book).
System Engineer
Infosys Ltd.
06.2016 - 05.2018
- Assuring quality in the software releases by working in collaboration with the client side, business analysts, and developers.
- Coordinate a team of 8 members as a Scrum Master in an Agile environment.Automated multiple test cases in an automation framework to ensure an efficient and timely release of the application.
- The algorithm reduced the execution time to 1/10th of the usual time.
Education
MBA - Finance
Institute of Management Technology
Ghaziabad, India 04.2001 -
B.Tech - Electronics And Instrumentation
SRM University
Chennai, India 04.2001 -
Skills
Financial statement analysis
Relationship Management
Portfolio Management
Credit Risk Assessment
Credit analysis
Certification
Diploma in Lending skills, Charter Banker Institute
Timeline
Diploma in Lending skills, Charter Banker Institute
10-2022
Commercial Banking & Credit Analyst, Corporate Finance Institute
05-2021
Lead Credit Analyst
Royal Bank of Scotland, RBS
01.2021 - Current
Senior Analyst - Risk
Natwest Markets
03.2020 - 12.2020
Intern
Natwest Markets
04.2019 - 05.2019
System Engineer
Infosys Ltd.
06.2016 - 05.2018
MBA - Finance
Institute of Management Technology
04.2001 -
B.Tech - Electronics And Instrumentation
SRM University
04.2001 -
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