Anjum Azim Mansoori
Indore
Summary
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Operations Manager-WBO-WC and LAP
HDFC Bank
Bhopal
05.2024 - Current
- Processed loan disbursements in a timely manner according to escrow instructions.
- Monitored the progress of pending loans throughout the entire process.
- Investigated discrepancies in loan documentation such as collateral values and payment histories.
- Established effective relationships with vendors to negotiate pricing and secure materials needed for production.
- Ensured compliance with safety regulations and maintained a safe work environment for all personnel.
- Coordinated cross-functional teams to ensure timely delivery of products and services.
- Implemented innovative strategies that reduced operating costs while maintaining high levels of customer satisfaction.
- Conducted regular reviews of existing policies and procedures for continuous improvement opportunities.
- Collaborated with management team on long-term strategic planning initiatives for the organization.
Credit Manager
RBL Bank
03.2023 - 04.2024
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Compiled data critical to analysis of annual bad debt.
- Monitored accounts for signs of fraud and non-payment issues.
- Developed strategies to expedite payments and customer resolutions.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Managed vendor relationships by negotiating contracts and ensuring timely delivery of goods and services.
- Provided leadership during times of organizational change or crisis situations.
- Managed risk by developing and implementing effective risk management strategies.
- Reviewed internal processes related to credit risk management and recommended improvements where necessary.
- Performed thorough due diligence reviews prior to extending new lines of credit or entering into agreements with third parties.
- Collaborated with legal teams on dispute resolution matters involving customers in default on their obligations.
Credit Manager
HDFC Bank
03.2012 - 11.2018
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Compiled data critical to analysis of annual bad debt.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
Assistant Collection Manager
indiabulls Pvt Ltd
01.2010 - 11.2011
- Achieved performance goals on consistent basis.
- Negotiated to collect balance in full.
- Used skip tracing and other techniques to locate debtors.
- Worked in call center environment handling manual and automatically dialed outbound calls.
- Trained new team members on scripts, company services, and collection strategies.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Processed payments and applied to customer balances.
- Researched accounts and completed due diligence to resolve collection problems.
- Maintained high volume of calls and met demands of busy and productive group.
- Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes.
- Assisted in implementing procedures and policies to facilitate timely payments.
- Prepared and submitted legal documents to initiate court proceedings.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Deployed automated system tracking and skip tracing to locate hard-to-find, re-located customers.
- Monitored customer accounts for payment delinquency and initiated collection efforts.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
Assistant Manager - Collections
Hsbc bank
07.2008 - 01.2010
- Supervised staff of collectors, monitoring phone calls and letters.
- Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
- Reconciled discrepancies between accounts receivable general ledger account and accounts receivable trial balance account.
- Oversaw daily posting of payments to customer accounts.
- Contacted clients with past-due payments and actively monitored payments due from clients.
- Reconciled vendor statements and handled payment complaints or discrepancies.
- Worked with legal resources and recovery teams to manage default issues.
- Visited premises of customers to directly collect payments.
- Filed and addressed employee complaints in accordance with company policies and government regulations.
- Generated and mailed updated statements monthly and processed demand letters.
- Completed training in credit management and civil court practices to maintain up-to-date legal knowledge involving collection practices.
- Contacted customers to discuss late payments and options for remitting amounts due.
Payment Executive
Ge Money
09.2007 - 07.2008
- Collaborated on collection and dispute resolution issues.
- Monitored accounts receivable aging and worked with various areas to address business needs.
- Supervised staff of collectors, monitoring phone calls and letters.
- Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
- Completed training in credit management and civil court practices to maintain up-to-date legal knowledge involving collection practices.
- Supervised invoice processing, purchase orders, expense reports, credit memos and payment transactions.
- Worked with legal resources and recovery teams to manage default issues.
- Monitored payments due from clients and promptly contacted clients with past due payments.
- Reconciled vendor statements and handled payment complaints or discrepancies.
- Managed time efficiently in order to complete all tasks within deadlines.
Billing Executive
Bank of America
05.2007 - 09.2007
- Generated and submitted invoices based upon established accounts receivable schedules and terms.
- Worked effectively with medical payers such as Medicare, Medicaid, commercial insurances to obtain timely and accurate payments.
- Contacted clients with past due accounts to formulate payment plans and discuss restructuring options.
- Identified, researched, and resolved billing variances to maintain system accuracy and currency.
Education
Mcom - Finance
Devi Ahilyavishwa Vidhyalaya
03.2007
BCOM - Finance
Devi Ahilya Vishwavidhyalaya
03.2005
Skills
- Authorizations understanding
- Policy application
- Proficient in Excel,MS office
- Fraud knowledge
- Expertise in Hindi and English Language
- Risk mitigation
- Credit reports
- Investigations
- Process implementation
- Relationship building and management
Certification
- Moody's Certification- Credit Skills for Bankers -SME Lending
Accomplishments
- Silver star winner twice in HDFC Bank
- Rolling Trophy winner in HDFC Bank
Timeline
Operations Manager-WBO-WC and LAP
HDFC Bank
05.2024 - Current
Credit Manager
RBL Bank
03.2023 - 04.2024
Credit Manager
HDFC Bank
03.2012 - 11.2018
Assistant Collection Manager
indiabulls Pvt Ltd
01.2010 - 11.2011
Assistant Manager - Collections
Hsbc bank
07.2008 - 01.2010
Payment Executive
Ge Money
09.2007 - 07.2008
Billing Executive
Bank of America
05.2007 - 09.2007
Mcom - Finance
Devi Ahilyavishwa Vidhyalaya
BCOM - Finance
Devi Ahilya Vishwavidhyalaya
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