Looking for a job

SHANMUKA BANGARI

@shanmukabangari

Message

I underwrite secured and unsecured lending, protecting portfolio quality at scale.

United Kingdom

Message

What I'm looking for

I'm looking to apply my credit underwriting, portfolio monitoring, and financial-analysis experience in a UK-focused role where I can make evidence-based lending or risk decisions and continue building expertise in finance and analytics.

At HDFC Bank, I made policy-led credit decisions on property-backed secured and unsecured lending across seven clusters. I underwrote 2,300+ proposals, exercised delegated authority up to INR 17.5 million, and supported more than 140 Relationship Managers and Sales Officers.

I monitored an INR 4.0 billion portfolio while maintaining a non-performing asset ratio below 1% throughout four years. My work covered affordability, credit bureau and bank-statement analysis, cash flow, FOIR, collateral, legal documentation, valuations, Credit Approval Memoranda, and early-warning monitoring.

Alongside my MBA in Finance & Analytics in London, I’ve applied research and analytical skills in UK consumer-finance and ESG projects, producing survey insights, market-intelligence reports, and growth recommendations.

Experience

Work history, roles, and key accomplishments

ESG & Sustainability Intern

Zureli

May 2026 - Jul 2026 (2 months)

Independently authored a project brief, market-intelligence report and growth-strategy report using AI-assisted desk research on UK and EU ESG regulation, sustainable procurement, competitor positioning and buyer requirements. Assessed market opportunities across public and local authorities, construction and the built environment, and hospitality procurement.

Environmental Regulations Market Research Desk Research Sustainable Procurement Competitive Analysis Growth Strategy AI Assisted Research

Finance Intern

GoSaveSum

Jan 2026 - Apr 2026 (3 months)

Recruited UK respondents and collected 105 valid responses across two company-designed survey phases to identify consumer pain points, feature priorities and gaps in existing personal-finance applications. Cleaned and analysed survey data in Excel and Google Sheets and authored two reports presented to the founder.

Survey Design Data Collection Data Cleaning Data Analysis Excel Google Sheets Report Writing Presentation Skills

Credit Manager - Underwriting

HDFC Bank

Oct 2021 - Aug 2025 (3 years 10 months)

Made manual credit decisions on property-backed secured and unsecured lending across seven clusters, supporting a network of 140+ Relationship Managers and Sales Officers. Exercised delegated authority to approve, decline or refer proposals up to INR 17.5 million and underwrote 2,300+ proposals across approximately 50 lending products.

Management Trainee - Operations

Kisanwala Technologies Private Limited

Apr 2021 - Aug 2021 (4 months)

Supported development and testing of an agricultural-input marketplace and tracked company, dealer, distributor and farmer onboarding, including direct platform demonstrations for 500+ farmers.

Marketplace Development Testing Onboarding Platform Demonstrations Stakeholder Tracking

Intern - Agribusiness and Innovation Platform

ICRISAT

Apr 2020 - May 2020 (1 month)

Conducted 94 structured telephone interviews from 301 programme participants, analysed technology-adoption barriers using descriptive methods and authored the final research report.

Telephone Interviews Data Collection Descriptive Analytics Research Report Writing technology adoption