---
title: "Ginisha Tharyani - Credit Risk Specialist in Bengaluru | Tal"
description: "Meet Ginisha Tharyani, Credit Risk Specialist at Khatabook | Ex Yes Bank | Ex Axis Bank based in Bengaluru. AI stack includes claude code and openai."
image: "https://tal.club/meet/ginisha-tharyani/share-image"
---

# Ginisha Tharyani on Tal

## Headline

Credit Risk Specialist at Khatabook \| Ex Yes Bank \| Ex Axis Bank

## Location

Bengaluru

## AI stack

claude code

openai

## Work experience

Credit Risk Specialist at Khatabook, Jan 2024 \- Present · 2 yrs 11 mos, Bangalore Urban, Karnataka, India, Business Loan Underwriter with 2\+ years of experience in risk assessment, credit evaluation, and loan processing\. Proven track record of making informed credit decisions, mitigating risk, and driving business growth\. Skilled in analyzing financial statements, credit reports, and bank statements to determine creditworthiness\. Adept at identifying potential risks and developing strategies to mitigate them\. Proficient in determining appropriate loan structures, terms, and conditions\. Exercise credit approval authority with a strong understanding of credit risk management, financial regulations, and industry trends\.

Risk \- CPA executive at YES BANK, May 2022 \- Dec 2023 · 1 yr 8 mos, Hubballi Urban, Karnataka, India

Credit Officer at Axis Bank, Jul 2021 \- May 2022 · 11 mos, Hubballi Urban, Karnataka, India

## Education

Master of Business Administration \- MBA, Finance, Manipal institute of technology

Bachelor of Business Administration \- BBA, Finance, General, SJMV's Business Administration College for Women J\.C\.Nagar, Hubli\-580 020

[View the original profile](https://tal.club/meet/ginisha-tharyani)

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