Shrinivas s v
Bangalore
Summary
Thorough credit analyst skilled in application analysis and managing loan approval and denial processes. Reliable in following policies, maintaining credit limits, and respecting institutional standards. Clear communicator with skills in conflict resolution, time management, and problem solving. Competent Credit Analyst, bringing a wealth of experience in analyzing documentation, to determine the level of risk involved. Offering excellent time management and highly motivated employee with a desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
3
3
years of professional experience
1
1
Certificate
Work History
Credit Analyst
finnable technology private limited
Banglore
04.2022 - Current
- Succesfully identified potential lending liabilities and credit risks through extensive analysis of financial reports, leading to a decrease in defaults and loss of funds.
- Conducting comprehensive credit assessments for clients, including evaluating financial data, assessing creditworthiness, and determining appropriate credit limits.
- Conducted thorough examination of credit bureau reports and customer's repayment history.
- Collaborating with cross-functional teams to ensure credit policies and procedures are adhered to, while balancing risk and business objectives.
- Monitoring and reviewing credit exposures, identifying potential risks, and recommending appropriate risk mitigation strategies.
- Presenting credit recommendations to the credit committee and providing rationale and analysis to support decision-making.
- Conducted thorough analysis of KYC documents to mitigate fraud risks.
Internal Auditor-operation ( Intern)
CPF India private limited
Banglore
04.2021 - 07.2021
- Reviewed internal controls and identified potential control system and process weaknesses requiring attention and resolution.
- Summarised internal audit findings and presented results and recommendations to senior management.
- Assisted in developing test methodologies(RCMs) that comprehensively evaluate adequacy of controls.
- Followed annual internal audit plan, managing own workload efficiently to deliver audits on time and to high standards.
- Reviewed working papers for sufficient documentation to successfully complete audit scope and objectives.
Education
MBA - FINANCE
Banglore Institute of Management Studies
Bengaluru, KA2022
Bachelor of Commerce - Accounts
Kuvempu University
Chikmagalūr, KA01-2019
Skills
- Familiarity with Financial Regulations
- Credit Report Assessment
- Analytical Skills
- Financial Reporting Evaluation
- Forecasting
- Information verification
- Risk Assessment Capabilities
- Informed Decision-Making
Accomplishments
- Awarded for being top performer in the team for the quarter Oct-Dec 2022, Apr-Jun 2023 and Apr-Jun 2024( Hall of fame).
Certification
Post graduate certificate in project management
By state university of New York, Potsdam, USA
Secured 3.89 GPA out of 4
Languages
kannada
First Language
English
Upper Intermediate (B2)
B2
Timeline
Credit Analyst
finnable technology private limited
04.2022 - Current
Internal Auditor-operation ( Intern)
CPF India private limited
04.2021 - 07.2021
MBA - FINANCE
Banglore Institute of Management Studies
Bachelor of Commerce - Accounts
Kuvempu University
Technical skills
- Microsoft Excel
- Power BI
- Fundamentals of Python
- Fundamentals of SQL
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