Om Redkar

To get an opportunity where I can make the best of my potential and contribute to the organisation's growth.

Credit Analyst (Business Analyst) - Veer Raghavan

• Conducted in-depth analysis of P&L statements, balance sheets, and cash flow reports to assess customer creditworthiness for personal and business loans.
• Performed end-to-end credit underwriting, including financial ratio analysis, risk profiling, and decision-making support for loan approvals.
• Reviewed and verified customer KYC documents in compliance with regulatory norms (including PAN, Aadhaar, GST returns, ITRs).
• Personally visited customers for onsite business verification, ensuring accuracy of declared business activities, income sources, and operational viability.
• Assessed borrower profiles through field investigations, market references, and financial health checks to reduce default risk.
• Played a key role in approving/recommending credit limits, based on holistic evaluation of borrower behavior, repayment capacity, and business stability.
• Collaborated with sales and risk teams to balance business growth with portfolio quality.
• Ensured adherence to internal credit policy and RBI-mandated lending norms.

Bachelor of Business Management Studies - Business Management - D.G Tatkare College of Arts, Commerce and Science (2024)

Diploma in Horticulture - Horticulture - Yashwantrao Chavan Maharashtra Open University (YCMOU) (2023)

H.S.C - S.D. Parmar English Medium School and College (2021)