K KARUPPASAME
Credit Associate
Madurai
Summary
Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Job Title position. Ready to help team achieve company goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
7
7
years of professional experience
Work History
Credit Associate
Muthoot Homefin India Ltd
Madurai
09.2023 - 12.2023
- Enhanced credit decision-making by analyzing financial statements and assessing the overall creditworthiness of potential clients.
- Maintained a strong understanding of industry trends and market conditions to stay competitive in the fast-paced world of credit risk management.
- Conducted thorough due diligence on prospective borrowers to minimize risk exposure while maximizing profitability opportunities.
- Reduced delinquency rates by proactively monitoring credit accounts and taking appropriate actions when necessary.
- Improved portfolio performance through diligent account management and regular reviews of existing credits.
- Collaborated with cross-functional teams to address credit issues and implement effective solutions in a timely manner.
- Negotiated repayment terms with delinquent clients, resulting in successful debt recovery efforts and maintaining the overall health of the credit portfolio.
Senior Sales Executive
HDFC BANK
08.2022 - 09.2023
- Analyzed credit reports and financial statements to assess the creditworthiness of borrowers
- Conducted detailed risk assessments of loan applications, providing recommendations to management
- Reviewed and verified the accuracy of loan documents to ensure quality control and accuracy
- Monitored loan applications to ensure timely completion and resolution of any issues
- Developed and maintained strong relationships with loan applicants.
Finance Associate
TVS & SONS PVT Ltd
03.2017 - 01.2022
- 3 years of experience in TDS and TCS payments and return filing
- TDS and TCS reconciliation for audit purposes
- Issue TDS and TCS certificates to the customers and vendors
- Cash handling and accounting for PCV vouchers
- Employees' Medical Claim Settlement
- Prepared and reviewed monthly journal entries
- Day-to-day accounting entries pass in the Axapta-12.
Education
M.Com - undefined
Madurai Kamarajar Univerity
B.Com(CA) - undefined
Yadava College
HSC - undefined
Don Bosco Higher Secondary School
SSLC - undefined
Don Bosco Higher Secondary School
Skills
Flexibility & AdaptabilityCustomer ServiceMultitasking
Documentation Review
Data Interpretation
Financial statement analysis
Credit analysis
Sales experience
Risk Assessment
Analytical Skills
Credit programs
Multitasking
Credit risk
Team building
Accomplishments
- Achievements/Tasks
Softwares Tools
- MS Office (Word, Excel, PPT)
- Tally ERP 9
- Microsoft Dynamics (Axapta)
Timeline
Credit Associate
Muthoot Homefin India Ltd
09.2023 - 12.2023
Senior Sales Executive
HDFC BANK
08.2022 - 09.2023
Finance Associate
TVS & SONS PVT Ltd
03.2017 - 01.2022
M.Com - undefined
Madurai Kamarajar Univerity
B.Com(CA) - undefined
Yadava College
HSC - undefined
Don Bosco Higher Secondary School
SSLC - undefined
Don Bosco Higher Secondary School