Senior Credit Risk Analyst & Loan Operations Officer at Tamil Nadu Industrial Investment Corporation Ltd (2018-12 – 2023-07)
Government-backed Development Finance Institution (DFI) | SME & Corporate Lending Portfolio
- Managed end-to-end credit processing and administration for SME and corporate lending portfolios, supporting credit facilities exceeding CA$80M annually across 100+ active accounts.
- Conducted detailed financial statement, cash flow, and ratio analysis to assess borrower creditworthiness and risk exposure, including debt service coverage ratios (DSCR), leverage, and liquidity metrics for complex multi-tranche facilities.
- Reviewed and validated complex loan documentation packages to ensure compliance with approved credit terms, regulatory standards, and internal credit policies; maintained a 100% pre-disbursement compliance rate across 5 years.
- Monitored a CA$72M corporate lending portfolio identifying early warning signals and escalating to senior management; contributed to reducing the non-performing loan (NPL) ratio by 12% over 2 years.
- Ensured all conditions precedent (CPs) were met before loan disbursement, coordinating with legal, collateral, and compliance teams to eliminate disbursement errors and minimize operational risk exposure.
- Collaborated cross-functionally with underwriting, legal, and compliance teams to resolve documentation discrepancies, supporting faster credit decisioning with a 20% reduction in average turnaround time.
- Acted as primary point of contact for internal stakeholders across 5 business units, ensuring smooth execution of credit operations, issue escalation, and timely resolution of credit queries.
- Led 3 process improvement initiatives to enhance operational efficiency, standardize loan monitoring workflows, and strengthen control mechanisms, resulting in 15% faster loan processing cycles.
- Prepared credit memoranda, risk assessment reports, and portfolio performance summaries presented to Senior Management and Credit Committees every quarter.
Credit Analyst Assistant / Credit Operations Associate at HDFC Bank Ltd (2016-05 – 2018-11)
India's Largest Private Sector Bank | Corporate & Commercial Credit Division
- Supported back-office credit operations for a high-volume corporate and commercial lending unit, processing 40+ credit applications monthly, including documentation validation, transaction processing, and compliance checks.
- Assisted in reviewing borrower financial statements, margin requirements, and covenant compliance for corporate and commercial clients across manufacturing, infrastructure, and services sectors.
- Maintained accurate credit records and ensured adherence to internal controls and RBI regulatory guidelines; zero audit findings across 2.5 years of tenure.
- Coordinated with risk, operations, and compliance teams to resolve documentation discrepancies, improving processing accuracy and reducing rework rates by 18%.
- Contributed to efficient credit fulfillment by ensuring timely and accurate execution of credit-related activities, consistently meeting SLA targets for loan processing and disbursement.
- Prepared and maintained credit files, limit utilization reports, and borrower monitoring summaries for use in periodic portfolio reviews.
Manager — Financial Operations at Sandeep Inc. (2023-08 – Present)
Canadian Convenience Retail | Financial Operations, Compliance & Team Leadership
- Manage day-to-day retail financial operations, including cash flow monitoring, daily reconciliations, and internal control procedures for a CA$1M+ annual revenue location.
- Perform variance analysis and investigate transaction discrepancies to ensure financial accuracy, maintaining audit-ready documentation in compliance with operational and financial procedures.
- Analyze daily and weekly sales trends and operational variances to support financial performance management and cost control decisions.
- Developed and enforced internal control frameworks for cash handling, reducing reconciliation discrepancies by 25%.
- Built strong stakeholder interaction and customer service skills in a fast-paced Canadian business environment, directly applicable to Canadian banking relationship management.
Assistant Team Leader at Dollarama (2024-07 – 2025-12)
- Ensured accuracy in cash handling, reconciliation, and transaction integrity for a high-volume retail environment.
- Investigated discrepancies and contributed to loss-prevention and variance resolution, applying analytical skills from a financial services background.
- Supported workflow supervision, team coordination, and compliance with operational controls.
