Sona Kumar
Madhubani
Summary
Dynamic Credit Manager with extensive experience at SMFG INDIA CREDIT COMPANY LTD, excelling in credit analysis and policy development. Proven track record in risk assessment and mentoring junior staff, ensuring compliance and enhancing operational efficiency. Adept at strategic planning, I drive successful loan underwriting and maintain robust financial reporting standards. Astute Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth, and bottom line profitability. Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Strategic Credit Manager known for high productivity and efficient task completion. Skilled in risk assessment, financial analysis, and regulatory compliance which ensure sound credit decisions. Excel in negotiation, problem-solving, and leadership, fostering strong relationships with clients and enhancing team performance.
Overview
7
7
years of professional experience
3
3
years of post-secondary education
Work History
Credit Manager
SMFG INDIA CREDIT COMPANY LTD
Madhubani
03.2023 - Current
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Analyzed financial statements, loan applications and credit reports for potential customers.
- Developed and maintained effective credit policies.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Managed credit risk assessment processes for loan applications.
- Trained junior staff on credit evaluation techniques and compliance standards.
- Reviewed accounts for signs of fraud and non-payment issues.
- Collected overdue payments from customers using various methods such as phone calls, emails or letters.
Credit Officer
UJJIVAN SMALL FINANCE BANK
Hajipur
10.2019 - 03.2023
- Developed policies and procedures for approving and managing customer credit limits.
- Provided training and guidance for junior staff members in order to help them develop their skills as Credit Officers.
- Conducted regular reviews of existing customers' accounts to ensure compliance with agreed terms.
- Worked closely with collections departments in order to ensure timely payments from customers.
- Recommended approval or disapproval of different loan types based on established criteria.
Internal Auditor
AROHAN FINANCIAL SERVICES LTD
Patna
11.2018 - 09.2019
- Analyzed financial records to assess compliance with internal policies and regulations.
- Conducted risk assessments to identify areas for improvement in operations.
- Reviewed audit trails to ensure accuracy and integrity of financial data.
Education
MBA - MARKETING AND FINANCE
SWAMI VIVEKANAND SUBHARTI UNIVERSITY
Meerut 04.2023 - 02.2026
B.COM - Accounting
R.K COLLEGE
MadhubaniSkills
- Credit analysis
- Risk assessment
- Financial reporting
- Policy development
- Loan underwriting
- Regulatory compliance
- Application review
- Investigations
- Strategic planning
- Mentoring and training
- Credit reports
- MIS prepare
- PD process
- Credit risk assessment
- Portfolio management
Hobbies and Interests
- Listen songs
- Playing Cricket
Languages
- Hindi, First Language
- Maithili, Advanced (C1)
- English, Upper Intermediate (B2)
Personal Information
- Father's Name: Ganpati Thakur
- Mother's Name: Anita Devi
- Date of Birth: 12/08/91
- Gender: Male
- Nationality: Indian
Languages
Hindi
First Language
English
Elementary
A2
Maithili
Beginner
A1
Timeline
MBA - MARKETING AND FINANCE
SWAMI VIVEKANAND SUBHARTI UNIVERSITY
04.2023 - 02.2026
Credit Manager
SMFG INDIA CREDIT COMPANY LTD
03.2023 - Current
Credit Officer
UJJIVAN SMALL FINANCE BANK
10.2019 - 03.2023
Internal Auditor
AROHAN FINANCIAL SERVICES LTD
11.2018 - 09.2019
B.COM - Accounting
R.K COLLEGE