Kavya B V
Credit Analyst
Bengaluru
Summary
Dynamic Credit Manager with a proven track record at HDB Financial Services, excelling in credit analysis and risk assessments. Enhanced underwriting processes and mentored teams, driving performance improvements. Known for building strong client relationships and delivering exceptional service, resulting in increased customer satisfaction and loyalty.
Overview
2027
2027
years of professional experience
3
3
Certifications
3
3
Languages
Work History
Credit Manager
HDB Financial Services
02.2025 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Monitored accounts for signs of fraud and non-payment issues.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
Relationship Manager
PNB MetLife
2024 - 2025
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
Sales Executive
Bajaj Finserv Corporate Office
2022 - 2024
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Boosted sales revenue by cultivating strong client relationships and implementing effective sales strategies.
- Delivered exceptional customer service, resulting in a high percentage of repeat business and client referrals.
- Demonstrated expert product knowledge during client interactions, addressing questions/concerns confidently and offering solutions tailored specifically for them.
- Researched sales opportunities and possible leads to exceed sales goals and increase profits.
- Negotiated contract terms with clients, securing favorable conditions for both parties while maximizing profitability.
- Implemented CRM system for better customer tracking, leading to improved follow-up processes and higher conversion rates.
Education
BCOM - Accounts & Finance
Kuvempu University
Shimoga, India 04.2001 -
Skills
Credit analysis
Performance improvements
Risk analysis
Risk assessments
Technical Skills:
Microsoft Excel
Power BI - Data Visualization
Microsoft SQL Server
Python programming language
Certification
Digital Marketing Cource
Timeline
Credit Manager
HDB Financial Services
02.2025 - Current
BCOM - Accounts & Finance
Kuvempu University
04.2001 -
Relationship Manager
PNB MetLife
2024 - 2025
Sales Executive
Bajaj Finserv Corporate Office
2022 - 2024