Sagar V

Credit Risk Manager @Vivriti Capital

Chennai, IN

Awarded with \"Above and Beyond\" for impact in 2025-Appraised and underwrote working capital facilities including WCDL, Bill Discounting and Term loan facilities of Corporates & NBFCs across diverse sectors, conducted in Person Due Diligence in - Chemical manufacturing, 2W, LAP, solar and Gold NBFCs -Analyzed audited and interim financial statements, peer benchmarks, and sectoral trends to assess creditworthiness, prepared comprehensive Credit Approval Memos, internal credit ratings, and exposure assessments along with on Field Unit inspections-Managed the entire credit application lifecycle, from Credit appraisal to final disbursement, ensuring complete policy and procedure adherence. Acted as the primary liaison with the sales team to proactively resolve client-facing issues-Fresh on board of INR 300+ Cr. in credit exposure by preparing detailed credit proposals and presenting the Credit Committee, achieving 80%+ approval -Managed portfolio of 70+ Cr in Co lending through regular client engagement, conducting quarterly business reviews and on-ground site visits to evaluate operational processes, ensuring 90%+ client retention rate and portfolio hygiene maintenance by NIL roll forward rates of on boarded cases-Demonstrated advanced risk management capabilities by conducting 17 MFI client visits and identifying potential high-risk exposures through field observations. Successfully initiated a LRN for INR 28 crores in potential defaults 45+ days ahead of 15 other lending institutions-Collaborated with internal stakeholders including Risk teams, Credit officers, and Business units to modify credit ratings, adjust exposure limits, and implement strategic decisions based on market conditions and regulatory changes

Andhra University

Bachelor of Engineering - BE, Mechanical Engineering

Institute of Rural Management Anand (IRMA)

PGDRM, Rural management