Summary
Overview
Work History
Education
Websites
Accomplishments
Timeline
Generic

NAVANEETH RAJ K R

Finance Professional

Summary

Experienced finance professional specializing in credit underwriting, risk assessment, and corporate relationship management. Skilled in managing large corporate clients, structuring high-value credit solutions, and ensuring financial compliance. Strong analytical skills with a proven track record of optimizing lending decisions and reducing credit risk.

Overview

5
5
years of professional experience
6
6
years of post-secondary education

Work History

Relationship Manager (Large Corporates)

YES BANK LTD
05.2022 - Current
  • Conducted credit underwriting for proposals averaging
  • 500 crore, including risk rating, cash flow forecasting and financial covenant assessment, to evaluate creditworthiness and repayment capacity.
  • Led credit reviews and ongoing risk assessments by analyzing borrower financials (P&L, balance sheet, and cash flows), identifying early warning signals, liquidity gaps, and leverage trends to mitigate potential defaults.
  • Collaborated with cross-functional units (Risk, Legal, Trade, Compliance) to ensure timely execution of disbursements and documentation, adhering to internal policies and regulatory standards.
  • Managed and deepened relationships with 10+ large corporate clients (each with turnover >1,500 crore), driving strategic lending across a 2,500 crore portfolio comprising term loans, construction finance, and working capital facilities.
  • Delivered ~14% portfolio-level income growth and expanded asset book by ~5% through targeted client acquisition, risk-based pricing, and optimization of credit structures.

Sales & Marketing Internship

Cocoguru Coconut Industries Private Limited
04.2021 - 06.2021
  • Conceptualized strategies to increase sales of company's premium offering by 20.04 crore and improve the effectiveness of sales team.
  • Conducted comprehensive data collection from 200+ retailers and 100+ consumers using structured surveys, enabling the development of tailored sales strategies.
  • Forged partnerships with distributors and channel stakeholders, boosting product visibility across regional markets and facilitating consistent order growth.

Sales & Marketing Internship

Mellow Foods and Soft Drinks
01.2020 - 05.2020
  • Achieved a sale of 2.88 lakh rupees by selling the manufactured products in other shops in and around the district.
  • Coordinated product demonstrations and sampling events at partner retail outlets, amplifying customer engagement and facilitating market penetration across multiple locations.

Education

MBA -

Indian Institute of Management (IIM)
01.2020 - 01.2022

B.Tech - undefined

Government Engineering College Idukki
01.2015 - 01.2019

Class XII - undefined

Bharat Vidya Mandir

Class X - undefined

Bharat Vidya Mandir

Accomplishments

  • National Level Runner up for the LG Young Marketing Contest (Season-1) Powered by LG Tonefree.
  • Received 'Y-Star' and 'Rising Star' awards for drive in results in YES Bank Limited.
  • Received certificate of commendation for submitting the best study report for the Rural Engagement Programme in IIM Indore.

Timeline

Relationship Manager (Large Corporates)

YES BANK LTD
05.2022 - Current

Sales & Marketing Internship

Cocoguru Coconut Industries Private Limited
04.2021 - 06.2021

Sales & Marketing Internship

Mellow Foods and Soft Drinks
01.2020 - 05.2020

MBA -

Indian Institute of Management (IIM)
01.2020 - 01.2022

B.Tech - undefined

Government Engineering College Idukki
01.2015 - 01.2019

Class XII - undefined

Bharat Vidya Mandir

Class X - undefined

Bharat Vidya Mandir

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NAVANEETH RAJ K RFinance Professional