Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Volunteer Experience
References
Hobbies and Interests
Languages
Honors Rewards
Timeline
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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

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
Vidyashankar M