Shubham Rai

Conduct thorough analysis of 6–12 months of customer bank statements to evaluate creditworthiness with over 99% accuracy. Extract and categorize financial transactions, including deposits, withdrawals, EMIs, loan repayments, and tax payments. Calculate key financial metrics such as average monthly balance, inflow-outflow ratio, loan-to-income ratio, and cash flow trends to assess financial stability. Identify unusual transaction patterns and red flags to support credit risk decisions. Deliver detailed, insightful reports to stakeholders, enhancing informed lending and risk management processes.