JYOTI UMRAO
Kanpur
Summary
Intend to build a career with leading corporate and to make use of my interpersonal skills to achieve goals of the organization that focuses on customer satisfaction and customer experience.
Dedicated Credit Manager with over three years of experience in credit analysis and underwriting. Skilled in assessing creditworthiness and collaborating with sales teams to optimize customer relationships, driving improved financial outcomes and operational efficiency.
Overview
10
10
years of professional experience
Work History
Credit Manager
Sabrimala Fintech
11.2024 - Current
- Reviewed and approved credit limits for new and existing clients.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Submitted delinquent accounts to collections department or outside resources.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.
Branch Credit Manager
HDB Financial Services
05.2022 - 11.2024
- Managed credit assessments for loan applications and customer profiles.
- Evaluated financial data to determine creditworthiness and risk levels.
- Reviewed and approved credit limits based on company guidelines.
CPA
Kotak Mahindra Bank Ltd
06.2016 - 05.2018
- Handling LAP case from login to recommending the cases to higher authorities for approval by analysing credit worthiness of the applicant.
CCE
GE Capital
12.2015 - 05.2016
- Handling queries related to sbi credit card and provide resolutions to the concerned person.
Education
B.com -
CSJM University
12th -
CBSE Board
10th -
CBSE Board
Skills
- Microsoft Office
- Word
- Excel
- Outlook
- Banking software
- Teamwork
- Credit analysis
- Credit evaluation
- Underwriting expertise
Languages
- Hindi
- English
Hobbies and Interests
- Travelling
- Painting
Extraordinary Skills
- Work effectively in a team
- Open to challenging assignments
- Aptitude to learn from new things
- Strong communication skill
Personal Information
- Father's Name: Mr. Prakash Narayan Umrao
- Mother's Name: Mrs. Sharda Umrao
- Date of Birth: 04/27/94
Languages
English, Hindi
First Language
Certification
- 6months(oct 2021 to April 2022) probe banking certification program by bankedge.
Timeline
Credit Manager
Sabrimala Fintech
11.2024 - Current
Branch Credit Manager
HDB Financial Services
05.2022 - 11.2024
CPA
Kotak Mahindra Bank Ltd
06.2016 - 05.2018
CCE
GE Capital
12.2015 - 05.2016
B.com -
CSJM University
12th -
CBSE Board
10th -
CBSE Board