Traveling
M Mohan Krishna
Credit Analyst
Bengaluru
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.
Overview
4
4
years of professional experience
13
13
years of post-secondary education
1
1
Certification
4
4
Languages
Work History
Credit Analyst
NIRA Finance
Bengaluru
2022.12 - Current
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Assessed credit risk and analyzed financial statements.
- Made decisions and recommendations about extending lines of credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
Key Account Manager
Kamlo Platform Privite Limited ( OTU India )
Bengaluru
2022.09 - Current
- Secured high-value accounts through consultative selling, effective customer solutions and promoting compelling business opportunities.
Credit Risk Analyst
Kartbee Technologies Private Limited ( KREDITZY )
Banglore
2020.10 - 2022.09
- Assessed liquidity and market risk levels and applied risk-based approach toto oversee financial activities.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Adhered to banking standards and government lending guidelines for loan services.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Placed customer accounts on hold due to past due payments.
Operations Executive
Wickedride Adventures Private Limited, Bengaluru ( BOUNCE )
Banglore
2019.10 - 2021.06
- Increased company profits through performance optimization strategies and efficiency improvements.
- Efficiently and effectively identified and solved all problems that impacted direction of business.
- Introduced new methods, practices and systems to reduce turnaround time.
- Developed operational processes to help organization adapt to market change.
- Collaborated on operational support tasks to achieve common goal.
- Created and managed knowledge base to address frequently asked questions and offer how-to guides and troubleshooting instruction.
Education
B.E Mechanical - Mechanical Engineering
Dr.Ambedkar Institute of Technology, Bengaluru
Bengaluru 2015.08 - 2019.08
PUC - Science
Jawahar Navodaya Vidyalaya,ballari
Ballari 2014.03 - 2015.03
SSLC - Highschool And Primary
Jawahar Navodaya Vidyalaya, Ballari
Ballari 2007.06 - 2015.05
Skills
High risk account reviews
Credit risk
Credit decisions
Lending regulations
Loan application processing
Financial statement review
Credit validations
Loan recommendations
Risk Assessment
Fraud knowledge
Credit reports
Certification
Certified [Credit analyst] [Company Name] - [Udemy}]
Interests
Cricket
Internet Surfing
Declaration
- All the information shared in the resume is correct, and I take full responsibility for its correctness.
Timeline
Credit Analyst
NIRA Finance
2022.12 - Current
Certified [Credit analyst] [Company Name] - [Udemy}]
2022-12
Key Account Manager
Kamlo Platform Privite Limited ( OTU India )
2022.09 - Current
Credit Risk Analyst
Kartbee Technologies Private Limited ( KREDITZY )
2020.10 - 2022.09
Operations Executive
Wickedride Adventures Private Limited, Bengaluru ( BOUNCE )
2019.10 - 2021.06
B.E Mechanical - Mechanical Engineering
Dr.Ambedkar Institute of Technology, Bengaluru
2015.08 - 2019.08
PUC - Science
Jawahar Navodaya Vidyalaya,ballari
2014.03 - 2015.03
SSLC - Highschool And Primary
Jawahar Navodaya Vidyalaya, Ballari
2007.06 - 2015.05