VIJAYA REDDY
Credit Analyst
Bangalore
Summary
Competent Credit Risk Analyst with over 7 years in the finance and banking industry, specializing in credit underwriting, regulatory compliance, data analysis, and financial statement review. Proficient in assessing credit risk for SME/Corporate loans using advanced credit models (PD, LGD, EAD). Known for driving efficiency, managing data quality projects, and collaborating with cross-functional teams to improve lending decisions and reduce turnaround time. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
8
8
years of professional experience
3
3
Languages
3
3
Certificates
Work History
Credit Analyst
Shift
11.2021 - Current
- Reviewed and analyzed SME/Corporate loan applications against credit limits, policies, and frameworks.
- Used credit risk models to estimate PD, LGD, and EAD, subject to regulatory approval.
- Applied knowledge of lending regulations to support credit decisions.
- Ensured credit decisions were in line with regulatory requirements and internal policies.
- Utilized data tools to interpret financial ratios and mitigate credit risk.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
- Contributed to significant reduction in processing times for credit applications, improving client satisfaction and competitive edge.
Senior Financial Analyst
Shift
01.2020 - 10.2021
- Handled manual loan payments and processed payout amounts to close loan facilities.
- Analyzed financial ratios and banking trends to gauge financial stability.
- Conducted data-driven evaluations balancing risk and lending goals.
- Evaluated financial health and repayment capacity of applicants.
- Provided insights based on financial statements and credit reports.
- Led data quality monitoring, reports, and duplicate clean-ups.
- Collaborated with cross-functional teams to drive process improvements and increase operational efficiency.
- Maximized company resources by performing ad-hoc analyses supporting cost reduction initiatives across departments.
Junior Financial Analyst
Shift
01.2018 - 12.2019
- Ensured compliance with regulatory requirements by conducting thorough customer due diligence checks.
- Partnered closely with Relationship Managers to address any concerns or questions surrounding KYC requirements for clients.
- Monitored transactions for suspicious or fraudulent activity.
- Ensured regulatory compliance by staying up-to-date on industry laws and regulations related to finance operations within the organization.
- Identified opportunities for process improvement through regular analysis of workflow patterns, driving increased efficiency in case resolution.
- Generated loan agreements, statements, and payout letters.
Trainee Analyst
Shift
09.2017 - 01.2018
- Supported KYC processes for prospective and existing customers.
- Analyzed bank statements for income patterns and cash flow behavior.
- Achieved faster turnaround times for client onboarding, conducting detailed background checks
CASA Officer
ICICI Bank
10.2016 - 03.2017
- Managed customer service and resolved account discrepancies.
- Acquired new customers through cold calling and KYC-compliant onboarding.
- Promoted cross-selling of bank products including loans and digital services.
Education
MBA - Finance
Sumourya Institute of Management
Kurnool, India 04.2001 -
Skills
bank statement interpretation
undefinedAccomplishments
- Classified over 10 million banking transactions manually to support automation for banking analysis.
- Led a data quality team responsible for monitoring, reporting, and cleaning duplicate records from the system.
- Proposed and implemented cost-saving measures in the credit process, improving efficiency and reducing turnaround time.
- Reduced data discrepancies by 20% through audits and process improvements.
- Improved credit turnaround time by 15% via workflow enhancements.
- Trained and mentored junior analysts while supporting key financial and operational projects.
Tools And Skills
Excel, financial modeling software, credit scoring systems, core banking platforms, Bank statement interpretation, ratio analysis, transaction pattern review, Basel III, Dodd-Frank, local banking laws, Accurate documentation and data discrepancy checks., Clear reporting and stakeholder presentations.
Certification
Corporate Credit Analysis
Timeline
Credit Analyst
Shift
11.2021 - Current
Senior Financial Analyst
Shift
01.2020 - 10.2021
Junior Financial Analyst
Shift
01.2018 - 12.2019
Trainee Analyst
Shift
09.2017 - 01.2018
CASA Officer
ICICI Bank
10.2016 - 03.2017
MBA - Finance
Sumourya Institute of Management
04.2001 -
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