AYUSH V M
AYILLIAM KULAVIKONAM NEDUMANGAD PO TVM
Summary
Multi-talented professional proficient in applying credit policies to meet standards. Familiar with regulatory requirements and best practices. Eager to take on new professional challenge in credit management.
Overview
2
2
years of professional experience
Work History
CREDIT OPERATION ASSISTANT
CHOLAMANDALAM INVESTMENT AND FINANCE CO LTD
TRIVANDRUM
01.2024 - Current
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Analyzed financial data to determine the degree of risk involved in extending credit.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Ensured timely and accurate processing of all credit transactions.
- Reviewed accounts for signs of fraud and non-payment issues.
- Monitored and improved efficiency of processes, team performance, and customer service.
- Resolved customer complaints in a timely manner while ensuring customer satisfaction remains at optimal levels.
Senior Sales Officer
HDB FINANCIAL SERVICES
TRIVANDRUM
10.2023 - 12.2024
- Preparing reports on sales performance metrics for management review.
- Working closely with marketing teams on lead generation initiatives.
- Maintaining relationships with existing customers while seeking out new opportunities.
Education
Bachelor of Arts - BCOM WITH COMPUTER APPLICANTION
KERALA UNIVERSITY
TRIVANDRUM05-2022
12TH - BIOLOGY SCIENCE
SMV HSS TVM
TRIVANDRUM05-2018
10TH -
KAIRALI VIDYA BHAVAN CBSE
TRIVANDRUM05-2016
Skills
- Credit analysis
- Risk assessment
- Fraud detection
- Customer service
- Workload management
- Banking regulations
- Credit decisions
- Process improvement
Timeline
CREDIT OPERATION ASSISTANT
CHOLAMANDALAM INVESTMENT AND FINANCE CO LTD
01.2024 - Current
Senior Sales Officer
HDB FINANCIAL SERVICES
10.2023 - 12.2024
Bachelor of Arts - BCOM WITH COMPUTER APPLICANTION
KERALA UNIVERSITY
12TH - BIOLOGY SCIENCE
SMV HSS TVM
10TH -
KAIRALI VIDYA BHAVAN CBSE
.
SINCERELY
AYUSH V M
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