Arjun Tomer
Credit Manager
New Delhi
Summary
Experienced finance professional prepared for role. Strong focus on risk assessment, credit analysis, and client relationship management. Known for team collaboration and achieving results. Reliable and adaptable, skilled in financial reporting, regulatory compliance, and strategic planning.
Overview
7
7
years of professional experience
5
5
years of post-secondary education
Work History
Credit Manager
Biz2credit
08.2022 - Current
- Managed end-to-end credit evaluation process, including credit risk assessment, approval, and setting credit limits in line with company policy and financial analysis.
- Conducted financial analysis and creditworthiness reviews of new and existing clients using tools like financial statements, credit reports, and market data.
- Led a credit control team, ensuring timely collection of receivables and minimizing bad debt exposure and write-offs.
- Developed and enforced credit policies and procedures to reduce risk and improve cash flow performance.
- Maintained DSO (Days Sales Outstanding) within target through proactive follow-up and negotiation with delinquent accounts.
- Collaborated with sales and finance teams to resolve credit issues without impacting customer relationships, or sales operations.
- Enhanced customer relationships through effective communication, timely responses, and providing tailored financial solutions.
- Implemented credit scoring models and internal rating systems to streamline credit approval and monitoring.
- Monitored industry trends and economic indicators to adjust credit policies, and mitigate financial risk.
- Supported business growth by proactively identifying new lending opportunities within the commercial market segment.
- Prepared regular credit risk reports for senior management, including aging analysis, and collection forecasts.
Mortgage Underwriting Analyst
Better.com
09.2021 - 03.2022
- Evaluated loan applications by analyzing financial data, credit reports, and risk indicators to determine eligibility and exposure.
- Maintained high productivity and accuracy levels, consistently meeting turnaround time (TAT), and quality targets.
- Prepared detailed credit and risk reports, supporting decision-making for high-value, or complex cases.
- Collaborated with sales, credit, and legal teams to gather supporting documentation, and clarify underwriting requirements.
- Used data-driven models and scoring systems to automate and improve underwriting accuracy and turnaround time.
- Identified high-risk applications through fraud detection measures and thorough due diligence.
- Ensured regulatory and audit compliance, with zero major discrepancies during internal and external audits.
Investment Consultant
ICICI Direct
08.2018 - 07.2021
- Advised clients on tailored investment strategies aligned with their risk profile, financial goals, and market conditions.
- Conducted in-depth portfolio reviews and rebalancing to ensure optimal asset allocation and performance.
- Recommended a mix of financial products, including mutual funds, bonds, equities, insurance-linked plans, and retirement instruments.
- Monitored and analyzed portfolio performance, making timely adjustments to improve returns and minimize risk.
- Collaborated with internal teams (research, compliance, risk) to ensure product suitability and regulatory compliance.
Education
MBA - Finance and Accounting
Amity Business University
Amity Business School Noida UP 08.2017 - 09.2019
Bachelor of Arts - English Literature
KGK PG COLLEGE
Moradabad 09.2013 - 08.2016
Skills
Credit Risk Assessment
Accounts Receivable Management
Credit Policy Development & Enforcement
Financial Analysis
Credit Scoring & Rating Systems
Debt Recovery & Collection Strategies
Regulatory & Compliance Knowledge
Reporting & Documentation
Accomplishments
- Spearheaded the automation of credit management processes collaborating with product and IT team , reducing processing time and human error.
- Achieved 100% compliance with internal audit and external regulatory requirements across all credit operations.
- Reduced Days Sales Outstanding (DSO) within 6 months by streamlining the credit approval and collection process.
- Achieved the highest credit file assessment volume repeatedly within set deadlines; honored with multiple 'Best Underwriter' awards and promoted in a record 1.5 years.
Timeline
Credit Manager
Biz2credit
08.2022 - Current
Mortgage Underwriting Analyst
Better.com
09.2021 - 03.2022
Investment Consultant
ICICI Direct
08.2018 - 07.2021
MBA - Finance and Accounting
Amity Business University
08.2017 - 09.2019
Bachelor of Arts - English Literature
KGK PG COLLEGE
09.2013 - 08.2016