Nimish Sharma

Analyze customer creditworthiness through financial data, credit reports, and transaction histories to guide credit limits and policies. Monitor accounts for compliance and risk identification. Prepare reports and presentations for management on portfolio performance and credit trends. Understand customer needs for optimal payment solutions, promote a payer culture, and utilize tools for card member issues, including financial relief plans. Keep precise records of credit assessments in line with company policies.

Handled a project of Implementing internal structured reporting system that captured team's recovery figures and login data, that provided a comprehensive view of team and individual performance.

Identify emerging trends and potential threats such as synthetic identity and high-risk patterns at aggregators through case reviews and MIS, developing and deploying business logic quickly. Manage Credit Burst Out processes, resolving credit discrepancies in large portfolios. Analyze flagged accounts for risk assessment and implement mitigation measures. Review financial statements and credit reports to identify trends and irregularities, providing detailed reporting on burst-out accounts to senior management for decision-making.