DEEKSHA SHARMA
KANPUR
Summary
Dynamic Branch Credit Manager with a proven track record at Vastu Housing Finance Ltd, specializing in credit analysis and risk assessment. Achieved a significant reduction in credit losses through innovative credit scoring systems. Expert in operational efficiency and customer engagement, driving branch profitability and enhancing decision-making processes.
Overview
7
7
years of professional experience
Work History
Branch Credit Manager
Vastu Housing Finance Ltd
Kanpur
11.2023 - Current
- Reviewed and approved credit applications and customer credit limits in a timely manner
- Monitored credit performance and identified potential areas of risk, resulting in a X% reduction in credit losses
- Implemented a credit scoring system to improve the accuracy and efficiency of credit decisions
- Developed and implemented a system to monitor and analyze branch performance, resulting in a X% improvement in branch profitability
- Created and updated financial reports on frequent basis to present information to leadership teams.
- Analyzed competitors and market trends to facilitate business growth.
Credit Process Associate
Muhtoot Homefin India Ltd
Kanpur
07.2023 - 11.2023
- Monitored credit performance and identified potential areas of risk, resulting in a X% reduction in credit losses
- Reviewed and approved credit applications and customer credit limits in a timely manner
- Implemented a credit scoring system to improve the accuracy and efficiency of credit decisions
- Analyzed financial statements, credit reports, and customer profiles to assess creditworthiness and set credit limits for new and existing customers
- Assessed company operations for compliance with safety standards.
- Analyzed company's expenditures and developed financial models.
- Audited company's legal documents to verify compliant policies and procedures.
Operation & Customer Service Officer
Sewa Grih Rin Ltd (Sitara)
Kanpur
07.2022 - 07.2023
- Increased customer satisfaction ratings by effectively answering questions, suggesting effective solutions, and resolving issues quickly.
- Maintained accurate records of customer interactions and transactions.
- Updated internal databases with new account information as needed.
- Prepared and evaluated CRM reports to identify problems and areas for improvement.
- Resolved customer issues in an efficient and timely manner.
- Analyzed credit reports and financial statements to assess the creditworthiness of borrowers
- Monitored loan applications to ensure timely completion and resolution of any issues
Operations Executive
IDFC First Bank Ltd
KANPUR
01.2021 - 06.2022
- Communicated with departmental leaders to identify and solve daily operations issues.
- Established policies and procedures for day-to-day operations that comply with company standards and regulations.
- Processed loan applications and other paperwork in accordance with regulations
- Reviewed and verified accuracy of loan documents to ensure quality control and accuracy
Accountant
V.C. Motors Pvt Ltd
KANPUR
08.2018 - 11.2020
- Created and updated financial reports on frequent basis to present information to leadership teams.
- Coordinated with external auditors during the annual audit process by providing requested documents and responding to inquiries in a timely manner.
- Created journal entries accurately and timely for month end close processes.
- Posted financial data in Excel spreadsheets and managed inventory.
- Analyzed balance sheets for mistakes and inaccuracies.
- Managed accounts payable and receivable, improving cash flow management.
Education
MBA - Finance
Shubharti University
Kanpur06-2022
PGDCA - Computer And Information Sciences
Shubhrati University
Kanpur05-2020
M.Com - Finance
C.S.J.M. University
Kanpur06-2019
B.Com - Finance
C.S.J.M. University
Kanpur06-2017
12th -
Gyan Bharti Balika Inter College
Kanpur06-2014
10th -
Gyan Bharti Balika Inter College
Kanpur06-2012
Skills
- Credit analysis
- Risk assessment
- Credit scoring
- Customer relationship manageme
- Operational efficiency
- Loan underwriting
- Loan decision assessments
- Credit risk management
- Policy implementation
- Customer engagement
Timeline
Branch Credit Manager
Vastu Housing Finance Ltd
11.2023 - Current
Credit Process Associate
Muhtoot Homefin India Ltd
07.2023 - 11.2023
Operation & Customer Service Officer
Sewa Grih Rin Ltd (Sitara)
07.2022 - 07.2023
Operations Executive
IDFC First Bank Ltd
01.2021 - 06.2022
Accountant
V.C. Motors Pvt Ltd
08.2018 - 11.2020
MBA - Finance
Shubharti University
PGDCA - Computer And Information Sciences
Shubhrati University
M.Com - Finance
C.S.J.M. University
B.Com - Finance
C.S.J.M. University
12th -
Gyan Bharti Balika Inter College
10th -
Gyan Bharti Balika Inter College
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