AKSHAY KUMAR
Chartered Accountant
Delhi
Summary
Experienced with credit assessment, financial analysis, and team leadership. Utilizes strategic planning to streamline credit processes and enhance performance.
Overview
10
10
years of professional experience
Work History
Credit Manager
Axis Finance Limited
08.2023 - Current
- Started the new business loan product in northern region from scratch and suggested major changes in policies and procedures for better credit assesment.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and collection department.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
Area Credit Manager
ICICI Bank
09.2021 - 07.2023
- Underwriting of Business loan, education loan and personal loan products in order to assess the loan eligibility of the applicants.
- Risk assessment and repayment analysis for high-ticket loan applications
- Preparation of executive credit notes and policy adherence reports
- Loan sanctioning in compliance with internal guidelines and regulatory policies
- Training and mentoring of new credit analysts
- Prevention and detection of fraud.
- Oversight of daily loan file tracking to prevent dual funding and ensure data integrity.
Senior Executive – Finance
SHL India Pvt Ltd.
12.2019 - 08.2021
- Budget preparation, forecasting, and variance analysis
- Created flash reports and reconciliations (e.g., vendor accounts)
- Conducted process reviews and implemented improvements in order-to-cash cycle
- Managed accounts receivable and debtor analysis
Intern
V. Rattan and Co.
09.2015 - 08.2018
- Supported statutory audits and tax assessments
- Bookkeeping and return filings (VAT, Service Tax)
Intern
Vipul Baranwal & Associates
02.2015 - 09.2015
- Assisted with tax compliance and audit preparation
Education
Chartered Accountant - undefined
ICAI
Bachelor of Commerce (B.Com) - undefined
Delhi University
CFA Investment Foundations Certificate - undefined
CFA Institute
Skills
- Credit Underwriting
- Budgeting & Forecasting
- Financial Analysis
- Risk Assessment
- Team Management & Training
- Fraud Detection & Prevention
- Process Optimization
- Strong Interpersonal & Communication Skills
Timeline
Credit Manager
Axis Finance Limited
08.2023 - Current
Area Credit Manager
ICICI Bank
09.2021 - 07.2023
Senior Executive – Finance
SHL India Pvt Ltd.
12.2019 - 08.2021
Intern
V. Rattan and Co.
09.2015 - 08.2018
Intern
Vipul Baranwal & Associates
02.2015 - 09.2015
Chartered Accountant - undefined
ICAI
Bachelor of Commerce (B.Com) - undefined
Delhi University
CFA Investment Foundations Certificate - undefined
CFA Institute
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