Amal A S
Thiruvananthapuram
Summary
Detail-oriented Chartered Accountant with extensive experience in credit management and policy application. Skilled in assessing customer creditworthiness and managing loan applications, while fostering teamwork and training junior staff to ensure compliance and operational efficiency.
Overview
2026
2026
years of professional experience
5
5
Certifications
Work History
Credit Manager
HDFC bank limited
Thiruvananthapuram
04.2023 - Current
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Managed credit assessments for business loan applications.
- Provided training to junior staff on credit evaluation processes.
- Reviewed and approved credit limit increases for existing customers.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.
- Submitted delinquent accounts to collections department or outside resources.
- Researched industry trends in order to develop innovative strategies for improving collection processes.
Articled Assistant
Ranjit Karthikeyan Associates
Thiruvananthapuram
2018 - 2021
- Assisted in preparing financial statements and reports for clients.
- Supported tax preparation processes by gathering required documents.
- Organized client files and ensured documentation was up-to-date.
- Prepared month-end closing entries for detailed reporting and recordkeeping.
- Prepared bank reconciliations and journal entries to record transactions in the general ledger.
- Assisted in preparing financial statements such as income statement, balance sheet, cash flow statement.
- Special Audit of NGO
Education
Chartered Accountant
ICAI
11-2022
B.Com
IGNOU
Thiruvananthapuram 12-2023
Skills
- MS Excel
- MS Word
- Financial analysis
- Effective communication
- Loan decision assessments
- Policy implementation
- Risk assessments
- Teamwork
Certification
Silver Star Award in recognition of significant contribution to the organisation from HDFC Bank Ltd.
Languages
English
Proficient (C2)
C2
Malayalam
Proficient (C2)
C2
Tamil
Intermediate (B1)
B1
Hindi
Beginner (A1)
A1
Accomplishments
Silver Star Award in recognition of significant contribution to the organisation from HDFC Bank Ltd.
Timeline
Credit Manager
HDFC bank limited
04.2023 - Current
Articled Assistant
Ranjit Karthikeyan Associates
2018 - 2021
Chartered Accountant
ICAI
B.Com
IGNOU