Abhishek Kumar Garg
Credit Manager
Panna,MP
Summary
- Dynamic professional with extensive experience at Bajaj Finserv, excelling in credit analysis and operations management. Proven track record in enhancing credit processes and improving efficiencies by over 10%. Skilled in customer engagement and decision-making, fostering strong client relationships while effectively managing risk and debt recovery strategies.
- Dedicated Cashier experienced in high-end retail operations. Professional and friendly with remarkable customer service and sales abilities. Bringing experience and product knowledge to exceed revenue goals.
- Experienced with creating and executing sales strategies that drive market growth. Utilizes deep knowledge of client needs and market trends to enhance sales performance. Track record of effective team leadership and achieving consistent sales targets.
Overview
7
7
years of professional experience
5
5
years of post-secondary education
Work History
Deputy Credit Manager
Bajaj Finserv
Panna
06.2023 - Current
- Evaluated market trends and industry developments to keep abreast of potential changes impacting the company''s risk exposure.
- Enhanced credit management processes by implementing risk assessment strategies and streamlining decision making.
- Collaborated with sales teams to ensure customer creditworthiness, maintaining a healthy balance between business growth and risk mitigation.
- Negotiated favorable payment terms with clients facing temporary financial difficulties, preserving business relationships without compromising company interests.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Optimized credit approval and collection processes, improving operational efficiencies by over 10%.
Operations Manager
Bajaj Finserv
Panna
11.2021 - 06.2023
- Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.
- Supervised operations staff and kept employees compliant with company policies and procedures.
- Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
- Welcomed customers and helped determine their needs.
- Maintained a balanced cash drawer, ensuring accurate accounting at the end of each shift.
- Resolved customer complaints professionally, leading to improved customer relations and loyalty.
Relationship Executive
Shriram Transport Finance Co.ltd
Panna
07.2018 - 11.2021
- Contributed to the growth of the business by identifying new opportunities and potential clients through market research.
- Enhanced client relationships by consistently providing exceptional service and promptly addressing concerns.
- Managed a diverse portfolio of clients, ensuring their financial goals were met or exceeded through personalized recommendations and solutions.
- Enhanced customer satisfaction with timely follow-ups and personalized service.
- Cultivated strong relationships, establishing trust and loyalty among clients.
- Boosted sales performance by identifying and targeting high-potential leads.
- Contacted customers to discuss late payments and options for remitting amounts due.
- Achieved successful debt collection results by utilizing negotiation skills and developing customized payment plans.
- Counseled debtors on payment options and arranged installment agreements.
Education
Bachelor of Education -
Shri Ramakrishna College
Satna, India 07.2015 - 07.2017
Bachelor of Arts -
Jald Trimurti College Nagod
Satna, India 07.2011 - 07.2014
Skills
Loan underwriting
Reading and Doing Something New
I'm constantly learning and improving..
1. Understand language patterns
2. Generate human-like responses
3. Learn from interactions
Timeline
Deputy Credit Manager
Bajaj Finserv
06.2023 - Current
Operations Manager
Bajaj Finserv
11.2021 - 06.2023
Relationship Executive
Shriram Transport Finance Co.ltd
07.2018 - 11.2021
Bachelor of Education -
Shri Ramakrishna College
07.2015 - 07.2017
Bachelor of Arts -
Jald Trimurti College Nagod
07.2011 - 07.2014
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