Sudharsan Vasudevan

Manager

Indian Bank•  April 2021 - January 2024•  Chennai, India

Conducted in-depth credit analysis, evaluated the financial health and creditworthiness of individual and corporate clients using a combination of quantitative and qualitative methods and in-house software to ensure accurate risk assessment and informed decision-making. Designed SQL queries to extract data from sources, including transaction databases, credit bureaus, and financial statements, to gather comprehensive information for credit analysis, ensuring data integrity and accuracy in the process. Collaborated with a team of 15 technical engineers to apply advanced statistical techniques, machine learning algorithms in Python and credit risk models to assess the probability of default and optimize loan pricing strategies, enabling the bank to make data-driven decisions and mitigate risks. Coordinated with Power BI and data infrastructure integration teams for generating Business Intelligence report and to monitor credit portfolio performance and key metrics, identifying trends in real-time, facilitating timely decision-making and risk mitigation measures. Synthesized key findings from the credit portfolio analysis and highlighted critical risks and opportunities to the organization; recommendation led to a reduction in non-performing loans by 10% and improved overall credit portfolio health.

Assistant Manager/Business Analyst

Indian Bank•  June 2018 - March 2021•  Chennai, India

Conducted thorough credit risk analysis by assessing clients' financial statements, credit history, and market conditions and mitigated potential risks by identifying creditworthy clients and automating the analysis, resulting in a 15% reduction in non-performing loans and safeguarding the bank's asset quality. Negotiated credit terms with clients, considering the enterprise's financial needs and the bank's risk appetite under varying circumstances, securing favorable terms that resulted in client satisfaction and a 10% growth in the bank's credit portfolio. Collaborated with eight Relationship Managers to gather comprehensive client information and understand credit needs, leading to more accurate credit assessments and a 15% rise in successful credit approvals. Mentored youth in financial education programs, providing guidance on money management concepts and career development.