Gokul Karuna

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.