Gagandeep Sandhu
Faridabad
Summary
Dynamic professional with extensive experience at American Express in credit risk analysis and customer account management. Proven track record in enhancing portfolio performance and mitigating losses through strategic decision-making. Adept at leveraging analytical thinking and communication skills to exceed customer expectations and drive business growth.
Overview
6
6
years of professional experience
Work History
TM Credit & Collect T2
American Express
Gurugram
11.2025 - Current
- Credit Risk & Analysis: Credit Risk Assessment, Over-Limit Analysis, Transaction Monitoring, Credit Limit Management, Account Behavior Analysis.
- Collections & Recovery: Portfolio Management, Delinquency Management, Returned Payments (ACH/Check) Resolution, Loss Prevention.
- Decision Making & Compliance: Real-Time Transaction Authorization, Credit Policy Compliance, Fraud Mitigation, Regulatory Compliance
Customer Service & Account Manager , SAC
American Express
Gurugram
04.2023 - 10.2025
- Asked probing questions to determine service needs and unstated needs.
- Identified opportunities for upselling additional products or services based on customer needs.
- Reviewed cancellation requests and presented alternate service options.
Senior Analyst– Operations
Personiv
Gurugram
08.2020 - 04.2023
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Identified needs of customers promptly and efficiently.
- Exceeded customer satisfaction by finding creative solutions to problems.
Education
BBA - Financial Management
PERIYAR UNIVERSITY
Salem02-2013
High School Diploma -
Vidya Mandir Public School
Faridabad01.2008
Skills
- Credit risk analysis
- Transaction monitoring
- Credit limit management
- Delinquency management
- Account behavior analysis
- Customer account management
- Analytical thinking
- Loss prevention
- Decision making
- Pivot tables and Excel
- SharePoint
Languages
- English
- Hindi
Email Addresses
sandhu.gagandeep963@gmail.com, personal
Personal Information
- Father's Name: Lt. R.S. Sandhu
- Mother's Name: Mrs. Manjeet Sandhu
- Date of Birth: 04/12/89
- Nationality: Indian
- Marital Status: Married
Timeline
TM Credit & Collect T2
American Express
11.2025 - Current
Customer Service & Account Manager , SAC
American Express
04.2023 - 10.2025
Senior Analyst– Operations
Personiv
08.2020 - 04.2023
BBA - Financial Management
PERIYAR UNIVERSITY
High School Diploma -
Vidya Mandir Public School