Sharanshankar M P

At Loan Analytix, I structure and pre-screen £2m+ in monthly SME loan applications, analyzing CRA reports and financial statements. I also track early warning signals across a monitored pipeline of 150+ accounts, helping reduce underwriter queries by 15%. At State Bank of India, I sanctioned £15m in SME lending within approved risk tolerances and helped reduce Non-Performing Loans by 12% year on year across a £45m portfolio. I built financial models and used SQL to produce credit risk MI for management decisions. As a Credit Analyst, I designed an automated risk-based decisioning model that cut assessment time by 50%. I hold an MSc in Business Analytics from Aston University and am seeking a Senior Credit Analyst or Credit Risk Analyst role in Birmingham, London, or a remote or hybrid setup.