Kamalesh Sharma
Credit Manager
Sikar,RJ
Summary
Patient Credit Manager possessing vast understanding of credit reporting agencies and in-depth knowledge of job-related software, including rlos and rapid . Bringing 5-year background managing credit files, analyzing credit applications and monitoring credit reviews. Comfortable working in team-setting and using logical approaches to find best solutions to complex problems.
Focused credit management professional trained in audit and underwriting. Collaborates with other bank departments to keep operations running smoothly. Experienced at training and mentoring junior employees.
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 4 years of financial industry expertise.
Results-driven auditor experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach.
Dedicated financial professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
11
11
years of professional experience
7
7
years of post-secondary education
Work History
Credit Manager
Au Small Finance Bank
Neemkathana , Rajasthan
09.2018 - Current
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Developed strategies to expedite payments and customer resolutions.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Used Software and Software to perform credit appraisals, document verification and loan approvals.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Optimized credit approval and collection processes, improving operational efficiencies by over Number%.
- Reviewed and analyzed loan procedures.
Audit Manager
Srb & Associates
Delhi , Delhi
07.2017 - 08.2018
- Trained and mentored department staff on policies and procedures to establish strong foundation for client development and service activities.
- Conducted strategic and technical reviews to verify compliance with quality control standards, schedule constraints and budget parameters.
- Facilitated internal audits and prepared detailed reports on findings.
- Coordinated, managed and implemented auditing projects and prepared for evaluation.
- Recommended changes to management regarding financial operations.
- Analyzed accounting systems for efficiency and effectiveness.
- Partnered with internal managers to deliver client proposals and presentations and increase department sales revenues.
- Identified audit risks, prepared budgets and coordinated with management and audit team in preparing related reports.
- Trained new employees on accounting principles and company procedures.
- Enhanced audit controls by improving planning and testing processes.
- Resolved financial and tax issues and maximized customer satisfaction scores.
- Tracked funds, prepared deposits and reconciled accounts.
- Prepared quarterly LP financial reports for various venture capital funds.
- Cooperated with senior leaders to create operating budgets and initiate financial planning.
- Facilitated financial and operational audits, working with internal and external managers to communicate recommendations or issues surrounding audits.
Finance Controller
SGI Groups Of Institutions
Sikar, Rajasthan
06.2012 - 07.2018
- Recommended investments and investment timing to companies, investment firm staff and public.
- Followed up with delinquent accounts to obtain funds and reduce aging balances.
- Supervised accurate, efficient and compliant completion of monthly financial reporting packages.
- Prepared balance sheets, cash flow reports and income statements.
- Verified accurate completion of corporate income tax returns and optimal use of favorable tax codes.
- Updated and reviewed financial reporting packages and managed financial reporting processes.
- Prepared corporate fiscal and business plans to help strategically direct business operations and strengthen controls.
- Managed outstanding balance amounts by evaluating reports and determining collection statuses.
- Formulated strategic plans and supported tactical initiatives to execute cost-savings deliverables.
- Accurately projected monthly cash expenditures through efficient budgeting and detailed document reviews.
- Maximized year-end tax benefits by efficiently managing cash flows.
- Reviewed documents and data to give accurate presentations and forecasts to upper management.
Education
Cs Executive - Drafting Technology
Icsi
Jaipur 06.2010 - 08.2011
Chartered Accountants Ipcc - Audit
Icai
Jaipur 01.2010 - 05.2011
Bachelor Of Commerce - Ecommerce
SNKP GOVT COLLEGE
Neemkathana 04.2003 - 07.2005
Bachelor Of Law - Taxation
Govt Law College
Sikar 05.2009 - 08.2011
Skills
Proficient in English
Timeline
Credit Manager
Au Small Finance Bank
09.2018 - Current
Audit Manager
Srb & Associates
07.2017 - 08.2018
Finance Controller
SGI Groups Of Institutions
06.2012 - 07.2018
Cs Executive - Drafting Technology
Icsi
06.2010 - 08.2011
Chartered Accountants Ipcc - Audit
Icai
01.2010 - 05.2011
Bachelor Of Law - Taxation
Govt Law College
05.2009 - 08.2011
Bachelor Of Commerce - Ecommerce
SNKP GOVT COLLEGE
04.2003 - 07.2005
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