Yashas M
Bengaluru
Summary
Experienced banking professional with expertise in credit documentation, customer onboarding, compliance support, and process coordination within Small Finance Banks and NBFCs. Demonstrates strong skills in KYC verification, account operations, CRM systems, and Excel reporting, ensuring accuracy and regulatory compliance in customer service.
Overview
3
3
Languages
1
1
Certification
4
4
years of professional experience
Work History
Credit Officer
Arka Fincap Limited
Bengaluru, India
05.2026 - Current
- Evaluate loan applications and assess borrowers' creditworthiness and repayment capacity.
- Assess credit risk, verify financial documents, and evaluate business performance in line with lending policies.
- Review loan applications and supporting documents to ensure thorough credit appraisal and processing.
- Analyse financial statements, bank statements, GST returns, income, and cash flow.
- Conduct personal discussions and field visits for verification and credit assessment of clients' homes and businesses.
- Monitor loan accounts to identify and mitigate potential credit risks.
- Created detailed MIS reports using Microsoft Excel to track performance metrics.
- Maintain vendor billing records, verify invoices, and ensure accurate documentation.
Credit Processing Associate
Xpheno
Bengaluru, India
01.2026 - 05.2026
- Assess credit risk, verify financial documents, and evaluate business performance in line with lending policies.
- Evaluate loan applications and assess borrowers' creditworthiness and repayment capacity.
- Reviewed loan applications and supporting documents to ensure thorough credit appraisal and processing.
- Analyse financial statements, bank statements, GST returns, income, and cash flow.
- Prepared and maintained MIS reports in Microsoft Excel to support informed decision-making.
- Maintained vendor billing records and verified invoices to uphold accurate documentation standards.
Business Development Executive
Jana Small Finance Bank
01.2024 - 01.2025
- Facilitated credit and account onboarding by collecting, verifying, and validating customer documentation, enhancing accuracy and compliance.
- Ensured KYC compliance by verifying identity, address, and financial documents before account and deposit approvals.
- Performed bank seeding for customers, ensuring the correct linkage of bank accounts with Aadhaar, and other financial records for seamless transactions, and compliance.
- Coordinated account activation, corrections, and post-onboarding queries for clients, collaborating with internal operations teams to improve service delivery.
- Streamlined processing of customer requests by coordinating with branch operations, backend teams, and field staff, ensuring timely responses.
- Maintained accurate customer records and tracking reports using Microsoft Excel, reducing discrepancies and delays.
- Supported cross-functional teams in meeting audit, compliance, and documentation standards.
- Contributed consistently to branch targets while maintaining process accuracy and regulatory discipline.
Associate
Vcatch
01.2023 - 01.2023
- Assisted customers with debt recovery queries and payment follow-ups, collaborating with field teams to resolve issues effectively.
- Managed CRM systems to track customer interactions on payments, documentation, and service requests, ensuring timely follow-up and resolution.
- Coordinated scheduling of field collection agents' visits and maintained documentation flow to support operational efficiency.
- Handled escalations professionally, while maintaining compliance with internal process guidelines.
- Verified customer details and updated backend systems to maintain data accuracy and operational continuity.
Education
Bachelor - Computer Applications
Seshadripuram College
Bengaluru01-2023
PCMC
Narayana PU College
Bengaluru, KA01-2015
Skills
- KYC compliance
- Loan processing knowledge
- Credit management
- Risk assessment techniques
- Financial data analysis
- Debt recovery management
- Customer acquisition
- Onboarding operations
- CRM tools and backend systems
- Data accuracy
- Microsoft Excel proficiency
- Documentation expertise
- Interdepartmental coordination
- Customer query resolution
- Leadership and management
Certification
- Certification in 3D Animation & Modelling
- Certification in Computer Networks
Languages
English, Proficient (C2)
Upper Intermediate
B2
Hindi, Upper Intermediate (B2)
Intermediate
B1
Kannada
Intermediate
B1
Hobbies and Interests
Gaming, Travel, Photography, Extreme Adventures, Sports
Timeline
Credit Officer
Arka Fincap Limited
05.2026 - Current
Credit Processing Associate
Xpheno
01.2026 - 05.2026
Business Development Executive
Jana Small Finance Bank
01.2024 - 01.2025
Associate
Vcatch
01.2023 - 01.2023
Bachelor - Computer Applications
Seshadripuram College
PCMC
Narayana PU College