Summary
Overview
Work History
Education
Skills
Affiliations
Websites
Certification
Accomplishments
Languages
Personal Information
Languages
Timeline
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Shrivatsa Deshpande

Hubli

Summary

Credit analyst with extensive experience at Karur Vysya Bank and SVC Co-op Bank, specializing in financial modeling and portfolio management. Demonstrated ability to deliver precise credit evaluations and mentor junior analysts, ensuring adherence to regulatory standards. Strong analytical skills and meticulous attention to detail contribute to informed lending decisions and successful outcomes.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Senior Manager

SVC Co-op Bank
Dharwad
10.2024 - Current
  • Contacted owners of delinquent accounts to make arrangements for payment through extended payment plans or one-time payments, processing to correct account status.
  • Conduct detailed financial modeling, ratio analysis, and scenario testing.
  • Present credit recommendations to senior management and credit committees.
  • Mentor junior analysts and review their credit appraisal notes.
  • Collaborate with relationship managers and risk teams for structured deals.
  • Ensure compliance with internal policies and RBI/ Basel III guidelines
  • Drafted credit recommendations based on findings from financial statement analysis and other sources of information.
  • Performed reviews of existing customer accounts to identify any changes in risk profile or payment trends.
  • Negotiated terms with customers to ensure that the bank's interests were protected while still providing a competitive product offering.

Credit Analyst

Karur Vysya Bank
Bangalore
08.2017 - 11.2024
  • Conduct detailed financial analysis of corporate and retail clients to assess creditworthiness.
  • Prepare comprehensive credit reports with recommendations for lending decisions.
  • Monitor loan performance and identify early warning signals of default risk.
  • Collaborate with relationship managers to structure deals balancing risk and profitability.
  • Ensure adherence to credit policy, compliance, and regulatory guidelines.

Junior Credit Analyst / Credit Associate

Karur Vysya Bank
Davangere
03.2013 - 08.2017
  • Assisted senior analysts in preparing credit evaluations and financial models.
  • Conducted ratio analysis and benchmarking of client financials.
  • Supported loan documentation and covenant monitoring.
  • Prepared MIS reports for senior management on portfolio quality.

Education

Bachelor of Engineering - Mechanical

Visveswaraya Technological University
Belagavi, Karnataka
1 2011

Skills

  • MS Excel (Advanced – Pivot Tables, VLOOKUP, Financial Models)
  • Financial analysis
  • Financial modeling
  • Portfolio management
  • Attention to detail
  • Effective presentation
  • Mentoring junior staff
  • Loan evaluation
  • Credit decisions
  • Financial analysis tools (Moody's, Bloomberg, Reuters)
  • Credit rating systems and loan management software
  • PowerPoint
  • MS Word
  • Loan documentation and policies

Affiliations

  • Badminton Player- State Level
  • Marathon Runner

Certification

  • Post Graduate in Investment Banking and Capital Market, IIM Ranchi, 2025
  • Post Graduate Diploma in Banking and Finance, IFBI, Chennai, 2013

Accomplishments

  • Recognized for excellence in credit analysis awarded KVB Rathna.
  • Reduced average credit approval turnaround time by 15%.
  • Improved portfolio monitoring system, minimizing NPA risk.

Languages

6,C2,6,C2

Personal Information

Languages

Kannada
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2

Timeline

Senior Manager

SVC Co-op Bank
10.2024 - Current

Credit Analyst

Karur Vysya Bank
08.2017 - 11.2024

Junior Credit Analyst / Credit Associate

Karur Vysya Bank
03.2013 - 08.2017

Bachelor of Engineering - Mechanical

Visveswaraya Technological University

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Shrivatsa Deshpande