VIGNESH G
Bengaluru,KA
Summary
Dynamic Credit Risk Analyst with proven expertise at Kinara Capital in conducting thorough financial analyses and risk assessments. Skilled in compliance assessments and credit validations, I effectively influenced underwriting policies, enhancing decision-making processes. Recognized for my collaborative approach and ability to deliver actionable insights that drive credit risk management success.
Experienced with analyzing financial data to assess creditworthiness and potential risk. Utilizes advanced credit analysis techniques to develop effective risk management strategies. Knowledge of industry regulations and best practices ensures sound decision-making and risk mitigation.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Credit Risk Analyst
Kinara Capital
Bengaluru, India
10.2021 - Current
- Underwrite and appraise credit proposals based on company policies, ensuring timely processing.
- Analyze financial statements, cash flows, and ratios for assessing funding requirements.
- Conduct quantitative and qualitative analysis, including creditworthiness, banking, statutory, and legal checks.
- Make informed decisions (approve/reject) based on comprehensive analysis and risk evaluation.
- Suggest improvements or changes in underwriting policies based on portfolio analysis and market trends.
- Analyzed credit data to assess risk levels and support decision-making processes.
- Conducted market research to identify trends impacting credit risk assessment.
- Assisted in preparing detailed reports on credit risk findings for senior analysts.
- Collaborated with team members to review loan applications and evaluate creditworthiness.
Education
MBA - Financial Analysis
Kalasalingam University
Virudhunagar04-2025
Bachelor of Engineering - Automobile Engineering
Karpagam College of Engineering
Coimbatore, India06-2021
Skills
- Compliance assessments
- Collateral risk
- Loan recommendations
- Credit validations
- Delinquency monitoring
- Financial statement review
- Risk assessment
- Credit decisions
Certification
Chartered Financial Analyst (CFA)
CFA Institute (Global) - In-depth knowledge of financial analysis, ethics, portfolio, and risk management 3 (CFA Level I to III)
Languages
Tamil
Bilingual or Proficient (C2)
Timeline
Credit Risk Analyst
Kinara Capital
10.2021 - Current
MBA - Financial Analysis
Kalasalingam University
Bachelor of Engineering - Automobile Engineering
Karpagam College of Engineering