Moitree Banerjee
Summary
Experienced Credit Manager with a track record of minimizing losses and enhancing customer satisfaction at Carestream Health India Pvt Ltd. Expert in credit risk management and possesses exceptional analytical skills. Achieved significant improvements in credit control management through effective negotiation and dispute resolution. Skilled in financial evaluation and maintaining compliance, demonstrating a results-driven approach with a focus on achieving strategic goals.
Overview
13
13
years of professional experience
Work History
Credit Manager
Carestream Health India Pvt Ltd
07.2018 - Current
- Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Interface with worldwide credit to ensure consistent application of policies, procedures, and performance metrics.
- Training new Joiners.
- Credit Control Activities post orders placement till the orders released for delivery.
- Credit check compliance adhering to the Policies laid down.
- Involved with closing the payment allocations with Cash application team.
- Perform Root Cause Analysis of dispute and or/deduction.
- Reconcile ACH and Check exception report .
- Review daily CC reports for batch errors.
Senior Credit Specialist
DSM Shared Services Pvt Ltd
06.2014 - 06.2018
- Increased customer satisfaction, resolving disputes and offering payment solutions tailored to individual needs.
- Maintained accurate documentation of all credit-related activities, ensuring compliance with company policies and industry regulations.
- Obtained and reviewed credit reports, credit references, and financial statements to establish credit limits for new accounts.
- Reduced risk exposure by conducting thorough credit analyses for new and existing clients.
- Maintain credit limits and risk assessment categories (RAC) in SAP FSCM.
- Assess blocked customer orders according to standard procedures, handle when appropriate and within authorities or advise BU responsible how to proceed.
- Release blocked orders after a decision has been taken.
- Identify risks / non-conformities in the credit block process and initiate corrective actions.
- Having a regular watch on country risk and take an action on the existing customers for granting/not granting a credit limit.
- Publish weekly reports to various stake holders indicating process updates, highlights and challenges faced, if any.
Junior Officer
City Union Bank
05.2011 - 05.2014
- Increased customer satisfaction by addressing concerns promptly and implementing solutions that met their needs.
- Developed strong relationships with clients, leading to repeat business and referrals.
- Assisted in the preparation of comprehensive reports, providing valuable insights for management decision making.
- Conducted thorough research to support project goals, identifying key industry trends and opportunities for growth.
- Job Responsibility included handling the entire operations in the branch including cash management.
- Preparation of Loan Proposals by analyzing financials statements of the customers.
- Processing of Loan Proposals.
Education
MBA - Finance
Siva Sivani Institute of Management
Hyderabad, India05.2011
Bachelors of Commerce - Commerce
Christ Church College
Kanpur, India05.2007
Skills
- Effective Credit Risk Management
- Credit Control Management
- Financial Evaluation
- Effective Analytical skill
- Research and due diligence(compliance)
- Fraud understanding
- Collection Management
- Dispute Management
- Credit Policy
Corporate Improvement Projects
- Undertaken project on unapplied credits by reducing by INR 40 Millions hence shown an improvement in balance sheet.
- Completed the project of making Proof of Delivery availability readily which helps for Day-to-day collection. Recovered a Past due of INR 13 Crores.
- PAN India OEMs streamlining ,credit limit hygiene,Invoice submission process enhancing of recovery by 30%.
- Completed Lean Six Sigma yellow belt project on Quality management of newly implemented process.
Timeline
Credit Manager
Carestream Health India Pvt Ltd
07.2018 - Current
Senior Credit Specialist
DSM Shared Services Pvt Ltd
06.2014 - 06.2018
Junior Officer
City Union Bank
05.2011 - 05.2014
MBA - Finance
Siva Sivani Institute of Management
Bachelors of Commerce - Commerce
Christ Church College
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