Praveen G N

Business Development Executive

Sri Kalahasti, Andhra Pradesh, India12 yrs 6 mos experience

Highly Stable

Key Highlights

Over 12 years in Credit Risk Management
Expert in Credit Underwriting for large proposals
Skilled in Digital Transformation initiatives

Stackforce AI infers this person is a seasoned Credit Risk Management professional with expertise in Fintech.

Contact

Skills

Core Skills

Credit UnderwritingRisk AssessmentCredit Risk ManagementData AnalysisRelationship Management

Other Skills

Financial Statement AnalysisDue DiligencePortfolio MonitoringCredit RiskOperational RiskMarket RiskLoan Portfolio AnalysisDigital TransformationRisk ManagementClient AcquisitionFinancial AnalysisMicrosoft PowerPointSME BankingBANK OPERATIONSCustomer Acquisition

About

Banking & Finance professional with 12+ years of experience in Credit Risk Management, Credit Underwriting, Portfolio review & Management, Risk based analysis of Corporate borrowers, Digital Transformation Processing, Advanced Excel Skills (vlookups, pivot tables, and advanced formulas) and Basic Modeling in Excel. Currently working as a Senior Credit Underwriter where I'm handling proposals above 10 Cr to 150 Cr. Passionate towards problem solving :)

Experience

The federal bank limited

Senior Credit Analyst

Nov 2023 – Present · 2 yrs 4 mos · Chennai, Tamil Nadu, India

Seasoned finance professional with extensive experience in credit underwriting for exposures ranging from ₹10 Cr to ₹150 Cr across diverse sectors. Proven track record in conducting rigorous due diligence, analyzing financial statements, and assessing risk to support sound lending decisions. Skilled in evaluating balance sheets, cash flow statements, and business models to ensure creditworthiness and compliance with internal and regulatory standards.
Expert in portfolio management, with a focus on optimizing asset quality, monitoring borrower performance, and mitigating risk through proactive engagement and strategic interventions. Adept at preparing detailed credit appraisal notes, presenting proposals to sanctioning authorities, and collaborating with cross-functional teams to drive business growth while maintaining credit discipline.
🔹 Core Competencies:
Credit Underwriting & Risk Assessment
Financial Statement Analysis
Due Diligence & Compliance
Portfolio Monitoring
Sectoral Exposure Evaluation
Relationship Management & Stakeholder Communication
Driven by precision, integrity, and a commitment to financial prudence, I aim to contribute to robust credit ecosystems that balance growth with risk control.

Credit UnderwritingRisk AssessmentFinancial Statement AnalysisDue DiligencePortfolio MonitoringRelationship Management

Karur vysya bank(kvb)

Credit Risk Analyst

Jan 2017 – Nov 2023 · 6 yrs 10 mos · Karur, Tamil Nadu, India

Period: Since Oct-2021 till date.
Manager: Credit Risk Analyst
Key Responsibilities:
Appraising the credit proposals from various risk perspectives such as Credit Risk, Operational Risk and Market Risk.
Risk Rating of Credit Proposals from all the Business verticals/all products of the Bank viz-a-viz Corporate, Commercial, Retail etc.,
Portfolio Review with respect to various Industrial segments and suggests strategies, from the Risk perspective.
Member in implementation team of the Digital Loan Originating System (LOS)
Recommending improvements to credit policies, procedures, and risk management strategies based on industry trends.
Period – 18-01-2017 to 31-09-2021
Manager: Credit Officer / Credit Underwriting / Credit Appraisal
Key Responsibilities:
Assess creditworthiness of borrowers through in-depth analysis of financial statements including analyzing income statements, balance sheets, credit reports, and relevant information.
Review loan applications, verifying data, and ensuring adherence to lending policies and regulations.
Provide recommendations on credit limits, interest rates, and repayment terms based on risk assessment.
Collaborating with sales and risk management to gather information and assess creditworthiness.
Conduct comprehensive risk assessments to evaluate and mitigate credit risks.
Perform financial statement analysis and industry research to understand borrowers' financial health and market trends.
Monitor credit portfolios, identify potential defaults, and ensure compliance with regulations.
Foster client relationships, offering guidance and support on credit-related matters.

Credit RiskOperational RiskMarket RiskData AnalysisLoan Portfolio AnalysisCredit Risk Management

Karnataka bank

Assistant Manager

Aug 2013 – Dec 2016 · 3 yrs 4 mos · Greater Chennai Area

Key Responsibilities:
Engaged in acquisition of new clients and tracks key accounts in the existing portfolio about health of business and potential early warning signs of NPAs.
Ensuring minimal client attrition through strong client engagement activities.
Analyze the financials of the firm/ company and preparation of customer appraisal note for submission to sanctioning authority. Carry out Due diligence with respect to both individual & company. Field visits to the Factory, Warehouses, Company and other offices.
Coordinate with internal teams to process the applications and respond their queries to ensure timely and accurate disbursal.

Client AcquisitionFinancial AnalysisDue DiligenceRelationship Management