Hrushipriya Ashokan
Credit banker
Alappuzha
Summary
Experienced Credit Manager knowledgeable about credit worthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring.
Overview
11
11
years of professional experience
1
1
year of post-secondary education
Work History
Credit Manager
Bharat financial inclusion Ltd
1 2021 - 03.2024
- Two year experience as Credit Manager in Bharat Financial Inclusion Ltd.
- Maximized cash flow for the company by monitoring outstanding debts and optimizing collection efforts.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Collaborated with cross-functional teams to develop customized payment solutions that met business needs while minimizing risk exposure.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Complied with established internal controls and policies.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
- Developed strategies to expedite payments and customer resolutions.
Customer Relation Officer
Bharat financial inclusion Ltd
01.2016 - 01.2020
- Five years experience as Customer Relation Officer in Bharat Financial Inclusion Ltd
- Reduced process inconsistencies and effectively trained team members on best practices and protocols.
- Cross-trained and backed up other customer service managers.
- Optimized customer support by establishing collaborative service environments through targeted operational initiatives.
- Created and maintained detailed database to develop promotional sales.
- Responded proactively and positively to rapid change.
Customer Relation Officer
MetLife Insurance
01.2010 - 01.2015
- Five years experience as Customer Relation Officer in Bharat Financial Inclusion Ltd
Telecalling
Karvy Insurance Brocking Ltd
01.2009 - 01.2010
- Three Years experience as Telecalling In Karvy Insurance Brocking Ltd, Alappuzha, Kerala
- Answered questions about company offerings with knowledgeable responses about products and services.
- Informed current and prospective customers of promotions and new or upgraded products.
- Attained sales targets on monthly basis.
- Managed high call volume efficiently, ensuring timely response to incoming calls without compromising quality of service.
Education
HSS Thiruvampady Higher Secondary Computer Science
Alappuzha, India 01.2006 - 05.2007
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St Antony's Girls High School SSLC
Skills
Committed to deadline and schedules
Systematic and hardworking
Organizational Skills
Loan Processing
Business Relationship Management
Credit analysis
Disclaimer
I hereby declare that all the details mentioned above are in accordance with the truth and fact as per my knowledge and I hold the responsibility for the correctness of the above-mentioned particulars.
Timeline
Customer Relation Officer
Bharat financial inclusion Ltd
01.2016 - 01.2020
Customer Relation Officer
MetLife Insurance
01.2010 - 01.2015
Telecalling
Karvy Insurance Brocking Ltd
01.2009 - 01.2010
HSS Thiruvampady Higher Secondary Computer Science
01.2006 - 05.2007
Credit Manager
Bharat financial inclusion Ltd
1 2021 - 03.2024
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St Antony's Girls High School SSLC