Sudav Bista

I’m a finance and banking professional with 7 years of experience in credit risk assessment, financial analysis, SME and retail lending, and client relationship management. I evaluate financial statements, assess creditworthiness, and support compliant lending decisions within regulated environments.

In my most recent role at Kumari Bank Limited, I conducted credit risk assessments and loan underwriting for SME and retail clients, analyzing financial statements and cash flow to determine lending terms. I prepared risk reports and recommendations for management, and I ensured lending activities complied with internal risk policies and regulatory requirements.

I’ve focused on improving portfolio and reporting outcomes through process refinements. I managed a portfolio of client relationships and improved reporting efficiency by 20% through those changes.

Earlier, I strengthened my finance foundation through account reconciliation and audit support at Narayani Auto, and I built customer outreach and pipeline discipline as a Telesales Executive. Alongside my work, I’m pursuing an MBA at Arden University Berlin (thesis submitted, graduating 2026), aiming to deepen my impact in credit risk, banking, and financial/product roles.