NAMAN GUPTA
CHARTERED ACCOUNTANT
GHAZIABAD
Summary
Service-oriented Credit Manager with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring.
Overview
2
2
years of professional experience
14
14
years of post-secondary education
4
4
Certifications
Work History
Credit Manager
Capital Trade Links Ltd
Ghaziabad
11.2020 - Current
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Optimized credit approval and collection processes, improving operational efficiencies by over 80%.
- 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.
- Compiled data critical to analysis of annual bad debt.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Referred delinquent accounts to collections department or outside resources.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reviewed and analyzed loan procedures.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
Education
Chartered Accountant - Accounting And Finance
Institute of Chartered Accountants of India
Delhi 01.2014 - 11.2019
Bachelor of Commerce -
Chaudhary Charan Singh University
Meerut 07.2013 - 04.2016
Master of Commerce -
Chaudhary Charan Singh University
Meerut 06.2016 - 04.2018
Bachelor of Laws -
Chaudhary Charan Singh University
Meerut 08.2019 - Current
Skills
Credit reports
Fraud knowledge
Sales proficiency
Risk mitigation
Performance monitoring
Sales professional
Cost control and reduction
Cash handling expertise
Affiliations
- Freemason
- Ghaziabad Tax Bar Association
Certification
Forensic Accounting and Fraud Detection
Timeline
Financial Markets and Securities Laws
02-2023
Forex and Treasury Management
11-2022
NISM Series-I: Currency Derivatives
11-2022
Forensic Accounting and Fraud Detection
03-2022
Credit Manager
Capital Trade Links Ltd
11.2020 - Current
Bachelor of Laws -
Chaudhary Charan Singh University
08.2019 - Current
Master of Commerce -
Chaudhary Charan Singh University
06.2016 - 04.2018
Chartered Accountant - Accounting And Finance
Institute of Chartered Accountants of India
01.2014 - 11.2019
Bachelor of Commerce -
Chaudhary Charan Singh University
07.2013 - 04.2016