Bala Subramanyam P T R

WORK HISTORY

EDUCATION

ABOUT BALA SUBRAMANYAM P T R

As a credit risk analyst at Karur Vysya Bank (KVB) for over a decade, I have been responsible for evaluating and managing the credit risk of individual and small business customers, ensuring the quality and profitability of the loan portfolio. KVB is one of the leading private sector banks in India, with a strong presence in retail and corporate banking, and a focus on innovation and customer satisfaction. My core competencies include ratio analysis, credit analysis, credit risk management, and regulatory compliance. I use various financial and statistical tools and models to assess the creditworthiness of borrowers, recommend credit limits and interest rates, monitor repayment performance, and identify and mitigate potential risks. I also collaborate with other teams and stakeholders to implement best practices and policies, and to provide excellent service and support to customers. I value teamwork, integrity, innovation, and customer satisfaction.