Vasanth Karumbeswaran
Chennai
Summary
Results-driven Business Analyst with over 12 of experience in the Banking and Financial Services industry, specializing in the Lending and Credit Risk domain (Retail and Commercial Lending). Proficient in loan origination, credit underwriting, Loan Management, loan servicing, and collections processes. Skilled in business requirements gathering, functional documentation, stakeholder management, and supporting lending system implementations. Strong understanding of credit risk assessment, regulatory compliance, and loan management lifecycle.
Overview
14
14
years of professional experience
Work History
Senior Business Analyst
Intellect Design Arena Ltd
12.2023 - 01.2025
- Conducted detailed requirement analysis and created BRDs, FRDs, and User Stories for Lending Solutions.
- Collaborate with Engineering teams to design and execute test cases for SIT and UAT.
- Participated in sprint ceremonies (backlog grooming, sprint planning, sprint review, retrospectives) following Agile Scrum methodology
- Track defects and issues, work closely with the development team to resolve them.
- Work with cross-functional teams including product owners, testers, developers, and bank stakeholders
- Currently Available to Join Immediately
Business Analyst, Lending and Credit Risk
ICICI Bank
01.2021 - 11.2023
- Gathered and analyzed business and regulatory requirements for Credit Risk and Regulatory Reporting projects.
- Prepared Business Requirement Documents (BRD), Functional Specification Documents (FSD), and Data Mapping Sheets for RWA, PD, LGD, and EAD calculations
- Collaborated with Risk, Finance, and IT teams to design and implement Basel-compliant risk data solutions
- Supported data quality checks, risk metric calculations, and regulatory reporting as per Basel III norms
- Regularly engaged with senior risk stakeholders, regulators, and external auditors
- Documented risk reporting workflows for Credit Risk Monitoring and Early Warning Signals (EWS)
- Assisted in preparing stress testing scenarios and performing impact analysis
- Analyzed credit exposure data, ensuring accuracy for Risk Weighted Asset (RWA) reporting
Credit Manager
Kotak Mahindra Bank
11.2018 - 12.2020
- Conduct in-depth credit appraisal of loan proposals for Small and Medium Enterprises (SME) [ Working Capital and term loans].
- Analyse borrower financials, cash flow statements, banking patterns, and other relevant documents to assess creditworthiness.
- Prepare detailed credit memos and recommendations for credit committee review and approval.
- Manage a portfolio with a focus on maintaining asset quality and monitoring Early Warning Signals (EWS).
- Conduct field visits / customer discussions (where applicable) for high-value loan assessments.
- Coordinate with Sales, Operations, Legal, and Risk teams for smooth loan processing.
- Ensure adherence to internal credit policies, regulatory norms, and lending guidelines.
- Monitor and track portfolio performance and manage delinquency control.
Assistant Manager
City Union Bank
12.2017 - 10.2018
- Part of Centralized Credit Team, where Credit Limits to Corporate clients above Turnover threshold of Rs 250 Million were underwritten based on different parameters.
- Coordinate with Legal team to get clearance on collateral offered before disbursal Interact with Managers on queries on the proposals for credit evaluation
- Analyze and assess credit worthiness and prepare credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines.
- Coordinating with stakeholders belonging to various verticals during the process of sanctioning, credit delivery, audit, and recovery.
Credit Analyst
Noor Bank
09.2014 - 05.2017
- Part of Unsecured Business loans and Trade Finance team where loans to Business entities were underwritten. Analyze financials and scrutinize documents such as account statements, sales invoices, purchase orders, Bills of Lading, contract copies etc.
- Resolving customer complaints and escalations as per the defined TAT. Connect with the customers about problem and providing resolution
- Prepare financial, collateral, historical, Performa and sensitivity analysis and presents in proper format current financial information, including comparative spreadsheets for operating companies, cash flow analysis, etc. in order to assess the financial condition of new and existing customers
Credit Executive
Emirates NBD
08.2012 - 08.2014
- Perform pre-screening checks for all the loans applications prior to decisioning of loan.
- Analyze and check disbursements and ensure collateral perfection Credit TATs within acceptable levels.
- Market intelligence, feedback for policy/process improvement
- Monitor and ensure timely decision of cases Ensuring a quality credit portfolio Make regular analysis reports to track delinquency and correlate the same with various parameters across the company's portfolio.
- Work closely with various teams like sales, collections and operations to constantly improve the credit processes
MIS Executive
Samba
02.2011 - 07.2012
- Part of Retail credit team where MIS was maintained and reports were prepared and circulated to managers on daily basis.
- SPC Verification to verify address and personal details provided by the customer. Defining new data collection and analysis processes. Identify patterns and trends in data sets (Predictive Analysis).
Education
No Degree - CERTIFIED SCRUM MASTER
SCRUM ALLIANCE
SCRUM ALLIANCE 05-2025
MBA - Specialized in Operations Management
MANIPAL UNIVERSITY
MANIPAL UNIVERSITY 05-2010
Bachelor of Science - Specialized in Network Management
MANIPAL UNIVERSITY
MANIPAL UNIVERSITY05-2008
Skills
- Credit Risk Assessment & Underwriting
- Regulatory Compliance
- Team Leadership
- Business Requirements Gathering
- Stakeholder Management
- JIRA & Confluence
- Agile
- Gap Analysis
- Red Flags & Fraud Detection
- Continuous Improvement
- PMI Agile Certified Practitioner
- Black Belt on Lean Six Sigma Methodology
- Green Belt on Lean Six Sigma Methodology
- Microsoft Azure
- Certified Scrum Master
- Requirements gathering
Timeline
Senior Business Analyst
Intellect Design Arena Ltd
12.2023 - 01.2025
Business Analyst, Lending and Credit Risk
ICICI Bank
01.2021 - 11.2023
Credit Manager
Kotak Mahindra Bank
11.2018 - 12.2020
Assistant Manager
City Union Bank
12.2017 - 10.2018
Credit Analyst
Noor Bank
09.2014 - 05.2017
Credit Executive
Emirates NBD
08.2012 - 08.2014
MIS Executive
Samba
02.2011 - 07.2012
No Degree - CERTIFIED SCRUM MASTER
SCRUM ALLIANCE
MBA - Specialized in Operations Management
MANIPAL UNIVERSITY
Bachelor of Science - Specialized in Network Management
MANIPAL UNIVERSITY
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