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Chartered Accountant with 7+ years of experience in Credit & Risk Management, Loan Underwriting, Audit, and Compliance across leading financial institutions and professional services firms. Proven expertise in credit appraisal, risk assessment, client relationship management, and regulatory compliance. Strong track record of approving high-value credit facilities, reducing delinquency, and ensuring adherence to audit standards. Skilled at leading teams, building client trust, and delivering analytical financial insights to support sound business decisions.

Hands on experience in sales and credit, with diverse knowledge of banking related services and products. Looking for a responsible position as banking in an organization that offers professional growth and development.

Accomplished banking professional with over a decade of experience in credit underwriting, financial analysis, and portfolio management within the MSME and corporate sectors. Skilled in end-to-end loan proposal processing, risk assessment, regulatory compliance, and client relationship management. Proven track record of managing diverse credit portfolios spanning manufacturing units, contractors, NBFCs, and institutional trusts. Proficient in utilizing Microsoft Office Suite, financial models, and analytical abilities to derive meaningful insights from financial data and effectively communicate with stakeholders. Recognized for strong analytical skills, process discipline, and commitment to delivering exceptional customer service across various loan processing centers, regional offices, and corporate branches.

With over 19 years of experience in the banking sector, I am a seasoned banking professional with a strong focus on SME and Mid-Corporate Credit. My expertise lies in credit appraisal, risk assessment, financial analysis, portfolio management, and regulatory compliance. Skilled in structuring credit facilities and developing sector-specific credit models, I excel at managing client relationships across diverse industries. Adept at leading high-performing teams, my strengths lie in driving business growth while ensuring asset quality and credit discipline. I am committed to delivering results and contributing to the success of the organization.

KARTHIKEYAN M

Summary

Overview

Work History

Senior Credit Manager

Branch Sr. Credit Manager (Deputy Manager)

Senior Credit Officer

Teller & FSE

Customer Service Executive

Education

B.Sc. - Mathematics

HSC -

SSLC -

Skills

Languages

Timeline

Senior Credit Manager

Branch Sr. Credit Manager (Deputy Manager)

Senior Credit Officer

Teller & FSE

Customer Service Executive

B.Sc. - Mathematics

HSC -

SSLC -

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