Pranav Kulkarni
CA | AIR 23 - CA Foundation | EY | Wint Wealth
- Role
- Credit Associate at Wint Wealth
- Location
- Pune Division, MH, IN
- LinkedIn followers
- 500 followers
About Pranav Kulkarni
Hi, I\'m a CA, which means I\'m really good at math.and really bad at parties. But don\'t…
Experience
Credit Associate
Dec 2024 — Present · Bengaluru, IN
Oversaw credit risk across multiple entities in fintech, gold loan portfolios throughout the pre-lending and deal lifecycleConducted C-suite interviews during due diligence to evaluate organizational viability and strengthen credit decision-makingLed comprehensive due diligence on lending proposals, analyzing financials, operations, and business modelsPerformed on-site operational assessments by visiting branches to gain ground-level business insightsAuthored detailed Credit Appraisal Memos, supporting exposure approvals via the NBFC armConducted stress testing and portfolio analysis to identify early warning signs and manage potential risksMonitored debt covenants across the platform to ensure timely risk mitigationContributed to the development of a well-diversified lending portfolio to reduce concentration riskPrepared regular credit monitoring reports to inform and support disbursement decisions
Education
Savitribai Phule Pune University
Bachelor of Commerce - BCom, Finance and Financial Management Services
2019 — 2022
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