Rajath Maradi
Bengaluru
Summary
Dynamic financial and data professional with a proven ability to analyze complex data and identify actionable insights that drive business decisions.
Tech-savvy innovator with hands-on experience in emerging technologies and passion for continuous improvement.
Expert in developing and optimizing processes for KYC, risk management, and documentation within banking, fintech, and supply chain financing.
Thrives in fast-paced environments, consistently driving technological advancements and process enhancements.
Overview
6
6
years of professional experience
Work History
Operations Analyst
KredX
10.2020 - 05.2024
- Evaluated the creditworthiness of potential borrowers by analyzing their financial health, payment history, and overall risk factors.
- Reviewed credit reports and assessed financial statements to determine the applicant's ability to repay debts.
- Represented the data using Power BI to stake holders and investors.
- Identifying potential financial risks and creating solutions to mitigate them.
- Migrated client data using SQL, Advanced excel and DBMS.
- Worked with tech team to make changes in API related to financial product's and new policy.
- Performed financial analysis to assess the profitability of new and existing products.
- Provided technical support to the accounting department, and prepared financial reports.
- Analyzed KYC, financial data, to identify underlying trends, and made recommendations accordingly.
- Frequently worked with clients to provide data from their systems using basic SAP, oracle and python.
- Worked with engineers and technical staff to recommend hardware and software adjustments and resolve design flaws.
Sr. Digital Sales Analyst
Extramarks
07.2020 - 10.2020
- Performed financial analysis of parents to provide loans for their children's education.
- Met credit rating using advanced tools like SQL and agile during lockdown.
- Extracted data from data base for new product development.
- Used advanced excel and tableau for data reorientation and day today presentation.
- Skilled at building long-term client relationships and contributing to organizational success through a mix of analytical rigor and consultative selling.
- Explaining and solving customer queries related to the sales and service of K12 education products
- Leveraged my expertise in portfolio management and risk assessment, I deliver tailored solutions to clients, while collaborating with cross-functional teams to optimize operational processes and enhance product offerings
Sr. Inside Sales Manager
Simplilearn
02.2020 - 06.2020
- Calculated impact of automation of credit score to providing loans to edtech courses clients.
- Automated KYC process by adapting digital upload links.
- Gathered, organized and analyzed data, resolved discrepancies, and modeled information.
- Completed counseling for corporate clients for data science and data related courses for their organization.
- Analyzed data to uncover insights and identify key opportunities to inform strategic decisions.
- Analyzed information using past data base records and conducted troubleshooting to determine ideal solutions, and provide recommendations to upper management regarding edtech courses.
- I have done consulting, and analysis of corporate training.
- Developed a new line of system to store KYC and other information of clients.
Credit Relationship Manager
HDB Financial Services
06.2018 - 09.2019
- Started as a management trainee, I gained wide exposure to credit, sales, and operations.
- Worked as a credit assistant for analyzing personal loan, business loan, loan against property and gold loan.
- Conducting a personal discussion with the customer to understand risks and mitigations.
- Analyze financial statements and credit history to better understand how much risk could be involved in extending credit to customers.
- Completed loan request summaries and credit analyses as part of the loan application to submit the information to approval committees.
- Stored client data using Finone software and frequently migrate data to main server.
- Developed strategies to expedite payments and customer resolutions.
- Negotiated settlements and payment terms with default customers, and delivered customized payment plans.
Education
PGDM - Finance
Ramaiah Institue Of Management Studies
Bengaluru, India03-2018
B.Com - Finance
Vijayangara College Hospete
Hospet, India05-2016
Skills
- Credit analysis
- Risk assessment
- Audit and reconciliation
- Basic SQL
- Power BI
- Advanced Excel
- PowerPoint
- KYC compliance
- Data analysis
- Supply Chain finance
- Regulatory compliance
- Customer due diligence
Accomplishments
- Recognized as an Individual Extra Miler at KredX for consistently going above and beyond in driving client success, enhancing operational efficiency, and contributing to product innovation.
- Got UCLA certification for career counselling.
- Earned certificate for using sales force in Simplilearn.
- Independently handled a branch and new channel in HDB financial services.
Languages
English
Bilingual or Proficient (C2)
Kannada
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Telugu
Upper intermediate (B2)
Hobbies and Interests
- Reading
- Traveling
- Cooking
Hobbies
Acting, Travelling and Reading
Timeline
Operations Analyst
KredX
10.2020 - 05.2024
Sr. Digital Sales Analyst
Extramarks
07.2020 - 10.2020
Sr. Inside Sales Manager
Simplilearn
02.2020 - 06.2020
Credit Relationship Manager
HDB Financial Services
06.2018 - 09.2019
PGDM - Finance
Ramaiah Institue Of Management Studies
B.Com - Finance
Vijayangara College Hospete
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