Venu D S

About Venu D S

I have over 5 years of experience in financial analysis and credit risk, primarily within the banking and financial services sectors. My background includes roles where I have been deeply involved in analyzing complex financial statements, assessing creditworthiness, and ensuring regulatory compliance.In my current position as a Commercial Credit Analyst at WNS Global Services, I conduct financial covenant testing and detailed analysis of balance sheets, income statements, cash flow statements, and statements of equity. This role involves supporting underwriters by evaluating key financial metrics and ensuring that clients adhere to their covenant obligations.Previously, as a Senior Financial Analyst at Alphastream Technologies, I was responsible for normalizing financial statements, performing industry benchmarking and peer analysis, and conducting comprehensive due diligence on corporate disclosures. This role enabled me to develop a keen eye for identifying financial risks and opportunities across diverse industries such as mining, power, telecommunications, and information technology.Earlier in my career at a District Co-operative Bank, I gained valuable experience in maintaining accurate financial records and managing loan processes. This experience helped me build a strong foundation in accounting principles, including GAAP and IFRS.In addition to my technical skills—ranging from advanced Microsoft Office proficiency to in-depth credit research and risk assessment—I have also contributed to process improvements and mentored junior team members, ensuring that financial data is both accurate and actionable.My combined experience in financial analysis, credit risk evaluation, and process optimization has not only strengthened my analytical and decision-making skills but also driven significant improvements in the organizations I’ve worked with.

Experience

1. Commercial Credit Analyst

   WNS

   Dec 2024 — Present · Bengaluru, IN

   Spreading and analyzing financials statements which would include review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity.Evaluate financial performance of companies/borrower/guarantor based on a variety of factors including past and current performance, management projections and market changes over thetime periodPrepare ability to pay analysis and collateral valuationDetermine appropriate risk rating, both qualitative and quantitative based on performance duringthe review time periodDocument and synthesize findings based on above mentioned reviews into a credit report Understand the feedback received from the onshore teamRegular connect with the client on email and calls.Attention to detail and highlight all important details to maintain accuracy

Education

• Bangalore University

  Master of commerce

  2016 — 2018