Vivek Babu K
Credit Analyst
- Role
- Credit Analyst at Velocity
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Vivek Babu K
Credit Analyst | 4+ Years in Credit Underwriting | Fintech | NBFC | Risk & Financial Analysis | Lending AutomationI’m a passionate and detail-oriented credit professional with over 4 years of experience in credit appraisal, underwriting, risk analysis, and financial assessment across fintech and NBFC ecosystems.Throughout my career, I’ve had the opportunity to:1. Evaluate loan proposals and manage portfolios2. Underwrite SME, LAP, and personal loans with strong focus on risk profiling and policy alignment3. Drive automation in low-ticket lending, reducing turnaround time and enhancing scalability4. Conduct due diligence and collaborate cross-functionally with product, tech, and risk teams5. Assess startups and digital businesses for Revenue-Based Financing (RBF) by analyzing recurring revenues, cash flows, churn, and growth metricsI’m passionate about bridging traditional credit assessment with tech-enabled, data-driven decisioning, and I thrive in dynamic, fast-paced lending environments where innovation meets compliance.Currently, I’m working as a Credit Analyst at Velocity, contributing to the growth of scalable and efficient lending practices for modern businesses.
Experience
Credit Analyst
Jun 2024 — Present · Bengaluru, IN
Verified key borrower documents including KYC, financials, GST returns, and credit bureau reports. Assessed loan purpose, business model, and industry risks. Managed end-to-end credit processing from initial checks to disbursal, ensuring compliance and accuracy. Analyzed financials, P&L, liquidity, leverage, and working capital to evaluate creditworthiness. Evaluated collateral and calculated loan-to-value (LTV) ratios. Prepared detailed Credit Approval Memos with financial analysis, risk assessment, and mitigants. Handled top-up and re-sanction cases, and assessed eligibility for Revenue-Based Financing based on recurring revenue and cash flows.
Education
University of Calicut
Master of Business Administration - MBA
2018 — 2020
Find verified contacts for anyone on LinkedIn
Unifers gives sales teams verified emails and direct dials, enriched profiles, and outreach that lands in the inbox.
Free plan included · No credit card required
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.