Summary
Overview
Work History
Education
Skills
Professional Affiliations and Memberships
Timeline
Generic

Vivekananda Varma CH

Summary

Professional credit risk analyst with over 8 years of experience at bank. Proficient knowledge in assessing the creditworthiness of the clients with risk analysis through financial analysis and market research. Strong analytical skills, but also able to build strong relationships with clients. Always learning and taking advantage of educational opportunities to keep current in legal and compliance issues.


Overview

12
12
years of professional experience

Work History

Relationship Manager SME Loans

State Bank Of India
08.2021 - Current
  • Worked as relationship manager for around 25 clients with credit line of around 1000 Cr( FB-480 Cr and NFB - 520 Cr).
  • The client base varies from entrepreneurs starting green field projects to the companies listed on BSE. Acting as a SPOC for all the needs varying from Digital to transaction banking.
  • The portfolio includes companies operating in varied segments like from retail trade to food processing and EPC contractors to Engineering goods manufacturing and residential projects execution.

Branch Manager

State Bank Of India
05.2019 - 08.2021
  • Managed a team of 5 people overseeing all the needs of the customers of branch
  • lead the change of business model of the branch by migrating more than 80% of the customers too digital mode and improved the overall efficiency of the branch and profitability of the branch

Relationship Manager SME

State Bank Of India
11.2015 - 05.2019

Worked as a SPOC for around 60 clients servicing their needs in Business loans like Working capital finance , Term funding and Non fund based funding like LC , BG etc


Systems Analyst

Tata Consultancy Services
08.2011 - 09.2013

Worked as UI developer for android and IOS web/mobile applications for various clients using responsive web designing and other tools.

Education

B Tech -

SASTRA University
Thanjavur
05.2011

Skills

  • Credit analysis
  • Financial statement evaluation
  • Risk assessment
  • Credit scoring models
  • Data analysis
  • Regulatory compliance
  • Portfolio monitoring
  • Financial reporting
  • Problem-solving
  • Communication

Professional Affiliations and Memberships

  • Moody's Analytics - 2021
  • JAIIB - 2017

Timeline

Relationship Manager SME Loans

State Bank Of India
08.2021 - Current

Branch Manager

State Bank Of India
05.2019 - 08.2021

Relationship Manager SME

State Bank Of India
11.2015 - 05.2019

Systems Analyst

Tata Consultancy Services
08.2011 - 09.2013

B Tech -

SASTRA University
Vivekananda Varma CH