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
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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