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Credit Analyst Resume

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PunE

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AN OVERVIEW

7 years plus of experience in Credit, Control, Risk and Finance Analysis and Customer Service Operations. Capable of dealing with customers, employees and staff members at all levels. Quick decision maker defining priorities for meeting strict project and reporting deadlines. Capable to adjust and innovate new tasks and concepts. Exposure in creating, enhancing and maximizing enterprise value by originating and executing credit, risk and finance analytics. A keen analyst with exceptional reasoning, relationship management and interpersonal skills. Excellent at communication, both verbal and non-verbal. Well versed with Indian and US GAAP; IFRS and SOX compliances. Four years working knowledge on SAP finance modules.

AREAS OF EXPOSURE

A. Credit / Risk / Finance / Control / Audit / Communications

  • Exploring profitable opportunities and reworking the finance / credit / risk and control models to achieve organizational growth objectives; spearheading business process re-engineering initiatives.
  • Examining, evaluating, reporting, and recommending improvements on the adequacy and effectiveness of management's risk / credit management and control processes and policies.
  • Analyzing and auditing business processes, conducting benchmarking study / trend analysis and using various business tools to assist the critical decision making process.
  • Developing strategies to meet and beat past dues, reduce DSO, write-offs, bad debts, disputes forecasts, unapplied cash and credits.

CAREER CONTOUR

Since September 2007 till date Confidential Pune as Credit Analyst

HIGHLIGHTS

  • Analysis of monthly revenue chain metrics of all external and internal customers.
  • Evaluate all existing and new customers based on their financials and preparing scorecards for setting credit limits and credit period for them.
  • Auditing credit, risk and finance tools, documents and reports and checking its compliance with quality and accuracy.
  • Identifying risks / process improvement opportunities along with the Revenue Chain.
  • Interact with Credit & Collections Managers and Credit Team Leads to interpret and drive improvements in cash cycle metrics.
  • Closely coordinate with revenue chain and business leaders within the business units for resolution of customer and business process issues
  • Prepare the monthly compilation of forecast considerations and analyze reports necessary for monthly cash.
  • Provide summary and analysis of special studies and prepared recommendations for management to implement guidelines to improve company's position.
  • Analyze accounts and receivables to identify financial trends and opportunities.
  • Continuous follow up with BUM regarding overdue payments to reduce the AR (Doubtful debts).
  • Review of invoices to collect and maintaining regular contact with appropriate regions regarding account status.
  • Consult with customers to resolve complaints and verify financial and credit transactions.
  • Reconciliation of Top AR customer accounts.
  • Maintain working knowledge of industry and economic events having an impact on operations.

June 2004 - Jan 2007 Confidential Pune as Sr. Cust. Serv. Exe.

HIGHLIGHTS

  • Prepare process reports ensuring full compliance with requirements and deadlines.
  • Assigning inflow of work to team members and processed work to quality auditors.
  • Scheduling quality audits and coordinating with auditors for projects and reviews
  • Maintaining and updating quality databases.
  • HR SPOC for the team. Maintaining time-sheets and attendance trackers for HR department.
  • Taking monthly team meetings and quality reviews

May 2003 to June 2004 Confidential Pune as Cust. Serv. Exe.

HIGHLIGHTS

  • Subject Matter Expert
  • Customer operations providing impeccable customer service.
  • Building clientele by referral business
  • Executive for all levels of banking operations including internet investigations
  • Maintaining daily reports and providing training

ACADEMIA

Bachelor’s Degree in Commerce securing first class.
Perusing PGDBM in Finance from Symbiosis Center of Distance Learning.

TRAININGS
  • Finance fundamentals training (Provided by HAIL CFO)
  • Six sigma (basic and GB)
  • COPC (Customer Operations Performance Center Training )
  • Team building and team leading

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