Harshit Gupta
Jabalpur
Summary
Dynamic and results-oriented professional with extensive experience in credit risk management and sales operations. Proven ability to drive revenue growth while managing credit exposure.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Sales Manager
Niyogin Fintech
Jaipur
06.2024 - Current
- Developed and implemented sales strategies to increase market share.
- Utilized CRM software to track sales performance, customer interactions, and forecast future sales trends.
- Established trust and open communication with channel partners and DSAs to regularly analyze the sales data to identify trends, strengths, and areas for improvement.
- Evaluate the financial stability and reliability of potential clients to ensure they can repay any credit extended.
Asst. Branch Manager
Utkarsh Small Finance Bank
Chhindwara
11.2020 - 11.2023
- To analyze the borrower's credit history, including credit scores, payment history, outstanding debts, and any derogatory marks such as bankruptcies or foreclosures.
- Communicate credit decisions to loan officers, borrowers, and other relevant stakeholders in a clear and timely manner.
- Ensured strict adherence to regulatory requirements and company policies, leading to successful audits and inspections.
Education
Master of Business Administration - Finance, Marketing
Lakshmi Narain College of Technology
Jabalpur11.2023
Bachelor of Commerce - Taxation
St. Aloysius College
Jabalpur05.2019
Skills
- Excel (Advanced)
- Client Relationship Management
- Analytical thinking
- Financial Modelling & valuations
- Market Research
- Credit Analysis
- Financial Statement Analysis
- Credit Risk Assessment
Certification
- The Wall Street School Investment Banking Certification, 2024
(Performed company valuations utilizing the market's approach and the income approach)
- Fundamentals of Credit Management, Alison, 2023
(Understand the fundamentals of modern credit analysis for better consumer credit management)
- Depository Services Certification - NISM, 2020
(Provides an understanding of the Indian securities market and the depository system)
Projects
- Detailed valuation analysis report of Pepsico, 2024
- Comparison of marketing strategies followed by Swiggy and Zomato, 2023
- A study on unsecured business loans at Utkarsh Small Finance Bank, 2022
Timeline
Sales Manager
Niyogin Fintech
06.2024 - Current
Asst. Branch Manager
Utkarsh Small Finance Bank
11.2020 - 11.2023
Master of Business Administration - Finance, Marketing
Lakshmi Narain College of Technology
Bachelor of Commerce - Taxation
St. Aloysius College
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