Open to opportunities

Krishnan Subbiah

@krishnansubbiah

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MSc Finance graduate and credit operations analyst driving process improvements.

India

Message

What I'm looking for

I seek an analytical role in credit, risk or operations where I can apply process automation, portfolio analytics and client-focused risk management to drive efficiency and business value.

I am an MSc Finance (Finance & Investments) graduate from Durham University with hands-on experience in high-value credit operations at Barclays. I combine financial analysis, risk control and front-office support to deliver measurable operational improvements.

At Barclays I led second-line audit processes for Corporate HNW clients, coordinated large-scale audit-letter workflows and achieved 100% SLA compliance during peak season. I also automated audit processes with VBA to increase efficiency and completed daily mortgage portfolio analysis for 200+ high-value accounts.

My work emphasizes risk mitigation and client experience: I flagged accounts for deeper review to avert delinquencies, supervised third-party debt-recovery operations, and partnered with risk and front-office teams to streamline reporting and reduce turnaround times. I work well in teams and contribute to continuous-improvement initiatives.

I bring practical experience with Avaloq, ACBS, LoanIQ, Salesforce, Bloomberg, Python, R, MATLAB and advanced Excel, alongside certifications in corporate finance and forecasting. I seek roles where I can apply analytical rigour, process optimisation and client-focused risk management to drive business value.

Experience

Work history, roles, and key accomplishments

Graduate Analyst

Barclays

Jun 2023 - Aug 2024 (1 year 2 months)

Led second-line audit processes for Corporate HNW clients, processing 4,000 audit letters in 40 days with 100% SLA compliance and automated audit-letter workflows with VBA to reduce processing time by over 5%. Managed daily mortgage portfolio analysis for 200+ high-value accounts, flagged 15% for deeper review, and supervised third-party debt-recovery to maintain BAU operations.

Credit Operations Risk & Compliance VBA Reporting Stakeholder Management Debt Recovery ACBS

Student Intern

Indian Overseas Bank

Dec 2022 - Jan 2023 (1 month)

Assisted customers with KYC, account opening and deposit creation while reorganizing locker files to meet RBI guidelines and provided tailored guidance on life, health and property insurance products.

KYC Customer Service Regulatory Compliance File Management Finacle

Education

Degrees, certifications, and relevant coursework

Durham University

Master of Science, Finance (Finance & Investments)

2024 - 2025

Completed an M.Sc. in Finance (Finance & Investments) covering financial risk management, portfolio management, derivatives, econometrics, and financial modelling.

Madras Christian College

Bachelor of Commerce, Commerce

2020 - 2023

Grade: 8.1/10

Activities and societies: National Service Scheme volunteer, COVID-19 awareness campaigns, NSS camp participation, volunteer teaching and campus eco-projects.

Completed a Bachelor of Commerce (General) with coursework in financial management, auditing, taxation, cost accounting, and banking; achieved a CGPA of 8.1/10.