Vaishnavi Karpe

Finance and credit analysis professional with 4.5 years of experience in U.S.-based banking and financial services projects.

Background spans financial statement analysis, accounting report review, reconciliation, and quality assurance, with consistent delivery of 100%-accuracy, audit-ready output against defined SLAs. Experienced in compliance-oriented review work (fraud review, KYC/AML, documentation verification) and in maintaining accuracy and control discipline within structured, deadline-driven finance workflows. Comfortable working independently and cross-functionally, with strong written and verbal communication.

Senior Credit & Investment Underwriting Analyst at Blucognition Pvt. Ltd. (Present)

• Achieved 100% accuracy in converting investment statements into Excel and standardized formats.
• Conducted rigorous quality assurance (QA) checks, reconciling data with source documents to confirm completeness and accuracy of financial information.
• Verified authenticity of documents, detecting fraud and ensuring market acceptability.
• Classified assets across categories (equity, debt, holdings) to support investment analysis.
• Delivered error-free, audit-ready financial spreads for credit assessment and portfolio decisions.

Data Processing Analyst (Banking) at Blucognition Pvt. Ltd.

• Extracted financial data from scanned bank statements using OCR tools with high accuracy.
• Cleaned and validated transaction records to ensure 100% error-free datasets, standardizing formats for dates, amounts, and currencies.
• Delivered audit-ready reports summarizing debits, credits, balances, and anomalies, ensuring precise reconciliation and timely delivery.

Credit Analyst at Blucognition Pvt. Ltd.

Analyst at Blucognition, working on internal processes for close to 2 years.

• Analyze credit data, including SME bank statements, to identify the degree of risk involved in lending.
• Research company information online to gather relevant data that reduces financial risk for the client.
• Determine estimated revenue and expenses of a business using software to evaluate client financial status.
• Conduct thorough credit analysis for businesses, focusing on bank statements to assess financial health and support informed credit decisions.
• Analyze key aspects of bank statements — cash flow trends, balances, and transaction histories — to evaluate client financial stability.
• Assess credit risk by considering factors such as industry trends and market conditions, with particular emphasis on information derived from bank statements.

Post Graduate Diploma in Business Administration in Business Administration – Deogiri Institute of Engineering and Management Studies (2020-01 – 2022-12)

Bachelor of Commerce in Commerce – Dr. Babasaheb Ambedkar Marathwada University (2017-01 – 2020-12)