Pvrc Subrahmanyam
About Pvrc Subrahmanyam
Pvrc Subrahmanyam serves as the Assistant Vice President at IndusInd Bank, where he specializes in financial analysis and credit appraisal. He holds an MBA and has extensive experience in the banking sector, having worked in various roles across multiple institutions.
Work at IndusInd Bank
Currently, the individual serves as an Assistant Vice President at IndusInd Bank, a position held since 2022. Based in Hyderabad, Telangana, India, the role involves detailed financial analysis and appraisal of proposals for both fund-based and non-fund-based working capital facilities. Responsibilities include conducting due diligence studies, site visits, and regular reviews of existing loans to ensure compliance and performance according to bank guidelines.
Education and Expertise
The individual holds a Master of Business Administration (M.B.A.) from the Institute of Public Enterprise, completed from 2002 to 2005. Additionally, they earned a Master of Commerce (M.Com) in Accounting and Finance from Osmania University, with studies spanning from 2001 to 2003. Prior to these degrees, they completed a Bachelor of Commerce (B.Com.) at Pragati Mahavidyalaya Degree College from 1995 to 1998. This educational background provides a strong foundation in finance and financial management.
Background
Before joining IndusInd Bank, the individual accumulated diverse experience in the banking and finance sector. They worked as a Senior Manager in Credit & Risk at HDFC Bank for seven months in 2022 and held the position of Senior Manager at RBL Bank from 2018 to 2022. Previous roles include Assistant Manager at DQ Entertainment and Senior Executive at HSBC, contributing to a comprehensive understanding of financial analysis and risk assessment.
Achievements in Financial Analysis
The individual specializes in performing detailed financial analysis, including ratio analysis aligned with industry trends. They analyze the financial strength of applicants using audited financials and interim performance data. Their expertise extends to writing detailed Proposal Notes and Credit Approval Memorandums, ensuring thorough documentation in line with banking standards.
Professional Experience in Credit Appraisal
With extensive experience in credit appraisal, the individual has conducted personal discussions with customers at their business premises, gaining insights into their operations and vision. They have also performed thorough due diligence studies, including pre- and post-sanction visits, to assess customer creditworthiness, demonstrating a commitment to understanding client needs and maintaining financial integrity.