Vidyashankar M
Bengaluru
Summary
Highly skilled and motivated credit analyst with five years of private credit underwriting experience. Demonstrated expertise in financial analysis, KYC verification and validation, and process improvement. A dedicated self-starter with exceptional communication skills, solid attention to detail, and the ability to thrive in a fast-paced environment.
Overview
7
7
years of professional experience
Work History
Credit Associate
Greaves Finance Ltd
Bengaluru
10.2024 - Current
- Processed credit applications and assessed financial information for approval.
- Reviewed client credit histories to determine risk levels and eligibility.
- Collaborated with team members to streamline application workflows and improve efficiency.
- Assisted in training new staff on credit policies and procedures to ensure compliance.
- Conducted periodic audits of credit files to ensure adherence to company standards.
- Performed regular reviews of internal policies and procedures related to lending activities.
- Compiled, analyzed, and interpreted financial data from credit applications to determine eligibility for loans.
- Processed account adjustments such as extensions, deferrals, or waivers when necessary.
- Negotiated repayment plans with delinquent customers in order to minimize losses.
Credit Analyst
Bluebear Technology Pvt Ltd.
Bengaluru
03.2024 - 08.2024
- Company Overview: Basically it is known as Propelld which provides instant student loan - unsecured loans.
- Primary role assess risk and make decisions about loan applications.
- Process and analyse cases on internal credit policy.
- Analysing cibil report, financial bank statement and KYC docs.
- ABB Calculation.
- Analyse credit worthiness eligibility.
- Basically it is known as Propelld which provides instant student loan - unsecured loans.
Senior Executive
Varthana Finance Pvt Ltd.
Bengaluru
01.2023 - 04.2023
- Company Overview: Basically it is known as Thirumeni Finance Pvt Ltd which provides instant student loan - unsecured loans.
- Primary role assess risk and make decisions about loan applications.
- Manage and prioritize our institute partner & Customer. Schedules to ensure that their time is focused on time for loan support.
- Responsible for monitoring and perform onboarding & disbursement end to end activities.
- Conduct Tele PD.
- Collaborate with senior underwriter & credit manager.
- Basically it is known as Thirumeni Finance Pvt Ltd which provides instant student loan - unsecured loans.
Senior Associate
Clix Capital - Paisabazaar Marketing And Consulting Pvt Ltd.
Bengaluru
11.2019 - 10.2022
- Company Overview: Well-known as Clix Capital, providing personal finance decisions that are easy, transparent, and convenient. Secured and unsecured loans.
- Handling flawless digital home loan applications.
- Analyzing the application and cross-checking the legal, technical, and operational documents.
- Assess risk and make decisions about credit applications.
- Cheque Handover, MIS Maintenance.
- Disbursing of the home loans.
- Disbursement Reconciliation.
- Resolving Sales Group queries.
- Ensuring that policies and procedures are properly followed.
Executive
Capital First Ltd.
Bengaluru
08.2018 - 04.2019
- Company Overview: Merged of IDFC Bank and Capital First , its became known as IDFC Bank - Two Wheeler Loan.
- Worked as application support executive to increase sales volume.
- Review of suspicious and discrepancy application documents.
- Analyse credit bureaus report & credit risk.
- Supporting the Operations & Training team when required.
- Prepare MID, Checklist & EOD report.
- Merged of IDFC Bank and Capital First , its became known as IDFC Bank - Two Wheeler Loan.
Education
Bachelor Of Commerce - Finance
Vidya Vahini College
07.2018
Commerce - Computer Science
Adarsha College
07.2015
SSLC - State Board
Govt High School
05.2009
Skills
- Self-motivated
- Attention to detail
- Teamwork
- Time management
- Credit analysis
- Compliance auditing
Websites
Accomplishments
DAP 2019 - This was a major role played by myself because that was pandemic year and it was PAN India Initiative, successfully led by myself. Training and conversion of field executives into tele sales executives is a big task and I have succeeded. It's a huge profit for the organization because I head up the team.
Volunteer Experience
NSS Volunteer, Bengaluru University, Participated 2 times in awareness rallies & health camps at district levels.
References
- Sonia Naik, HR, Propelld, Bengaluru, Karnataka, Sonia@propelld.com
- Sonal Garg, HR, PaisaBazaar, Gurgaon, Haryana, Sonalgarg@Paisabazaar.com
- Diana, HR Assistant Manager, Varthana, Bengaluru, Karnataka, Diana.sharon@varthana.com
Hobbies and Interests
- Trekking
- Cooking Food
- Philately
- Numismatic
Languages
- English
- Kannada
- Hindi
Honors Rewards
NSS Volunteer Certification, 2015, Bengaluru University
Timeline
Credit Associate
Greaves Finance Ltd
10.2024 - Current
Credit Analyst
Bluebear Technology Pvt Ltd.
03.2024 - 08.2024
Senior Executive
Varthana Finance Pvt Ltd.
01.2023 - 04.2023
Senior Associate
Clix Capital - Paisabazaar Marketing And Consulting Pvt Ltd.
11.2019 - 10.2022
Executive
Capital First Ltd.
08.2018 - 04.2019
Bachelor Of Commerce - Finance
Vidya Vahini College
Commerce - Computer Science
Adarsha College
SSLC - State Board
Govt High School
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