Monitoring
AMAL JOY
CREDIT MANAGER
KOCHI
Summary
Experienced Credit manager with over 12 years of experience in Finance Industry. Excellent reputation for resolving problems and improving customer satisfaction. Patient Credit Manager possessing vast understanding of credit reporting agencies and in-depth knowledge of job-related software, including LOS, APS and LMS. Bringing 10 year background managing credit files, analyzing credit applications and monitoring credit reviews. Comfortable working in team-setting and using logical approaches to find best solutions to complex problems.
Overview
10
10
years of professional experience
8
8
years of post-secondary education
1
1
Certification
4
4
Languages
Work History
DEPUTY CREDIT MANAGER
IDFC FIRST BANK
08.2023 - Current
- Spearheaded training initiatives for staff members on best practices in credit management, enhancing overall team performance.
- Mentored and coached junior team members, fostering their growth in both technical skills and overall professional development.
- Optimized the credit approval process by integrating automation tools, improving response time and reducing human error.
- Monitored accounts for signs of fraud and non-payment issues.
- Established strong relationships with key stakeholders, ensuring effective communication in all aspects of credit management.
BRANCH CREDIT MANAGER
ICICI BANK
06.2022 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Used APS and RLOS to perform credit appraisals, document verification and loan approvals.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Ensures to provide 360 support to customer, Analyse customer requirements and provide other products
CREDIT RELATIONSHIP MANAGER
HDB FINANCIAL SERVICES LTD
09.2016 - 06.2022
- Handled Credit appraisals and ensuring high levels of productivity and progression.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Performed duties in accordance with all applicable standards, policies and regulatory guidelines to promote business and reduce delinquency of branch.
- Creates spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Ensures that branch achieves the targets and meet productivity of all members
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Negotiated settlements and payment terms with customers through OTS.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
ASSISTANT MANAGER
SUNDARAM FINANCE LTD
06.2014 - 02.2016
- Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.
- Initiated negotiations for debt recovery through email, telephone and mail contact.
- Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service.
- Check, evaluate and judge the credit worthiness of indviduals
- Monitored cash intake and deposit records, increasing collections of branch.
- Established and optimized schedules to keep coverage and service in line with meeting needs of customers.
Education
AISSCE - Commerce
KENDRIYA VIDYALAYA
NAVAL BASE, KOCHI 03.2007 - 05.2009
Bachelor of Commerce - Taxation
VIDYANIKETAN
KACHERIPADY 03.2009 - 07.2012
MBA - Marketing & Supply Chain
DC SCHOOL OF MANAGEMENT
VAGAMON 04.2012 - 06.2014
Skills
Fraud knowledge
Software
Applications
Certification
SAP
Additional Information
KODUVELI PARAMBIL HOUSE
Convent Road, Ponnurunni
Vyttila 682019
PERSONAL BIO
Marital Status: Married
Age :31
DOB: 14 October 1991
Fathers Name: Maria Joseph KJ
Interests
Community Involvement
Photography
Travel
Timeline
DEPUTY CREDIT MANAGER
IDFC FIRST BANK
08.2023 - Current
BRANCH CREDIT MANAGER
ICICI BANK
06.2022 - Current
CREDIT RELATIONSHIP MANAGER
HDB FINANCIAL SERVICES LTD
09.2016 - 06.2022
ASSISTANT MANAGER
SUNDARAM FINANCE LTD
06.2014 - 02.2016
SAP
03-2014
MBA - Marketing & Supply Chain
DC SCHOOL OF MANAGEMENT
04.2012 - 06.2014
Bachelor of Commerce - Taxation
VIDYANIKETAN
03.2009 - 07.2012
AISSCE - Commerce
KENDRIYA VIDYALAYA
03.2007 - 05.2009
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