Aswin Kumar J
Chennai
Summary
Dynamic financial professional with ~11 years experience in Finance and expertise in credit risk analysis and portfolio management, I excel in delivering actionable insights and fostering strong customer relationships. Proven ability to enhance compliance and optimize credit strategies, ensuring timely payments and reducing risk exposure.
Overview
11
11
years of professional experience
Work History
Credit Management
Genpact India Pvt Ltd
Chennai
12.2018 - 03.2025
- Prepare preliminary credit analyses to determine creditworthiness and credit risk compliance.
- Conduct detailed analysis of customers' liquidity and capital structure, using custom, inbuilt, Excel-based tools.
- Guide stakeholder strategies with detailed credit recommendations by establishing, monitoring, and maintaining credit lines.
- Monitor customer accounts to ensure timely payments, ensuring that customers are not over-extended on their credit limits.
- Utilize credit scoring models to rank clients based on their credit risk.
Credit Analyst
GE India Pvt Ltd.
Chennai
03.2017 - 11.2018
- Review accounts for signs of fraud and non-payment issues.
- Maintain up-to-date records of customer master in all related systems.
- Provide recommendations for appropriate credit limits and terms.
- Provide customer credit information to official representatives from banks and other financial institutions.
- Evaluate customer payment patterns to determine creditworthiness, and recommend actions accordingly.
Financial Analyst
Tech Mahindra
Chennai
05.2014 - 03.2017
- Calendar data roll-out program – Spearheaded the analysis phase and provided a detailed analysis of Global Holiday Calendar, which in turn, was used by UBS for internal purposes (July'15).
- Handled responsibilities as an SME for the OTC derivatives team within framework of MDS Operations.
- Collaborated with the Quality Control team, creating RPAs for routine operations.
- Offered round-the-clock support as a member of the BCP team during the December 2015 Chennai floods.
Education
MBA - Finance
SCSVMV University
Kachipuram05-2014
B.Com - Corporate Secrataryship
B.Com
Chennai04-2012
Skills
- Credit Management
- Credit risk analysis
- Portfolio management
- MS Office (Excel/PPT/Word)
- Oracle/SAP
Affiliations
- Extremely passionate about sports (Cricket)
- Closely observe stock market trends
Accomplishments
- Kudos, Tech Mahindra - 2016
- Pat on the Back, Tech Mahindra - 2016
- Bronze Award, Genpact - 2020
Languages
Tamil
First Language
English
Proficient (C2)
C2
Hindi
Intermediate (B1)
B1
Timeline
Credit Management
Genpact India Pvt Ltd
12.2018 - 03.2025
Credit Analyst
GE India Pvt Ltd.
03.2017 - 11.2018
Financial Analyst
Tech Mahindra
05.2014 - 03.2017
MBA - Finance
SCSVMV University
B.Com - Corporate Secrataryship
B.Com
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