Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Languages
Personal Information
Additional Information
Timeline
Generic
KAJAL SINGH

KAJAL SINGH

Bangalore

Summary

With over 5 years of experience in credit management and a passion for financial strategy, my track record includes achieving significant reductions in bad debt and enhancing credit scoring efficiency.

Overview

5
5
years of professional experience

Work History

Credit Manager

CREDIT SAISON INDIA
11.2022 - Current
  • Delivered comprehensive credit risk training to over 5 team members, enhancing departmental knowledge and capabilities.
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Independently managed a credit portfolio of mid-size businesses, enhancing the quality of the credit selection process through rigorous analysis and resulting in zero defaults over a 2-year period.
  • Improved credit risk management by implementing effective underwriting policies and procedures.
  • Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.

Credit Manager

HDFC Bank
08.2021 - 10.2022
  • Analysis of financial statement and credit history, maintaining delinquency MIS data, working on various products like Working Capital - OD, analyzing loan transactions and identifying credit risk, analyzing economic trends and making decisions.

Credit Manager

ICICI Bank
04.2019 - 08.2021
  • Retail Assets Loan Underwriting, evaluating credit worthiness of customers, recommendation/underwriting of proposals, complete credit check and compliance of documentation, efficient disbursement of Home Loans, imparting training to sales team and credit team, managing early delinquencies, working closely with business team and outsourcing teams, ability to do cross sells.

Education

PGDM-Banking and Finance -

ICICI Manipal Academy
04.2019

M.COM -

Presidency College
08.2017

B.COM -

SFGC
05.2015

Skills

  • Financial Tools: Tally ERP ,MS EXCEL,Tally with GST , JIRA , JARVIS
  • Financial Analysis: Risk assessment, Cash flow modeling, Financial forecasting, Budgeting, Credit scoring, Scenario analysis
  • Credit Risk Management
  • Portfolio Management

Websites

Accomplishments

  • Silver Star performance for month Mar-22
  • Best Performing Employee for month of Nov-2020
  • 1st prize in human resource during Inter-college fest.
  • SPARK Training Program by Infosys Technologies Ltd.
  • Certificate for Best student for corporate coordinator.

Languages

English
Hindi

Personal Information

  • Place of Birth: Varanasi
  • Date of Birth: 03/25/95
  • Gender: Female
  • Nationality: Indian

Additional Information


  • Recognition for Eagle Eye award-Instrumental in strategic initiatives that reduced bad debt and maintaining profitability.
  • Award for Amazing Collaborator .
  • Best credit manager in PAN India for 23-24.
  • Silver Star performance for month Mar‐22
  • Best Performing Employee for month of Nov‐2020
  • 1st prize in human resource during Inter‑college fest.
  • Certificate for Best student for corporate coordinator.

Timeline

Credit Manager

CREDIT SAISON INDIA
11.2022 - Current

Credit Manager

HDFC Bank
08.2021 - 10.2022

Credit Manager

ICICI Bank
04.2019 - 08.2021

PGDM-Banking and Finance -

ICICI Manipal Academy

M.COM -

Presidency College

B.COM -

SFGC

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KAJAL SINGH