Gokul Karuna
@gokulkaruna
I am a credit analyst specializing in corporate underwriting and financial analysis to strengthen credit decisioning.
IndiaWhat I'm looking for
I am a credit analyst with hands-on experience underwriting corporate credit at HSBC, supporting risk assessment and credit decisioning for clients across the Singapore region. I performed in-depth financial analysis for 30+ corporate clients, assigned credit ratings, identified early-stage credit deterioration, and led the onboarding of a client for a USD 10M revolving credit facility completed in under two weeks.
Previously, as a finance intern at V-Guard I documented end-to-end AR/AP processes, authored a finance manual on CBS workflow, implemented process fixes, and built interactive dashboards for 6K+ dealers to enable real-time decisions. I hold certifications from Corporate Finance Institute and Finlatics and prioritize analytical rigor, cross-functional collaboration, and process-driven improvements in credit and finance roles.
Experience
Work history, roles, and key accomplishments
Credit Analyst
HSBC
Jan 2025 - Present (1 year 5 months)
Performed in-depth financial analysis for 30+ corporate clients in Singapore, underwriting credit proposals and supporting credit decisioning; spearheaded onboarding of a USD 10M revolving credit facility, completing due diligence in under two weeks to accelerate deal turnaround.
Finance Intern
V-Guard Industries Ltd
Apr 2024 - May 2024 (1 month)
Analysed AP/AR operations, identified process bottlenecks and implemented fixes that improved operational efficiency and reduced recording errors; authored a finance manual and built dashboards for 6,000+ dealers to enable real-time decisions.
Education
Degrees, certifications, and relevant coursework
Institute of Management Technology, Nagpur
Post Graduate Diploma in Management, Management
2023 - 2025
Grade: 7 CGPA
Post Graduate Diploma in Management with a 7 CGPA, program period 2023–2025.
St. Joseph's College, Devagiri
Bachelor of Commerce, Finance
2019 - 2022
Grade: 8.31 CGPA
Bachelor of Commerce (Finance) completed with an 8.31 CGPA from 2019 to 2022.
Government Brennen Higher Secondary School, Thalassery
Higher Secondary (Commerce), Commerce
2017 - 2019
Grade: 97.17%
Higher secondary (Commerce) completed with 97.17% during 2017–2019.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Job categories
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