Nischal G
Banglore
Summary
Highly-qualified Credit Manager and Operations Manager with a proven track record of minimizing risk, optimizing processes, and driving profitability. Skilled in credit risk assessment, loan processing, and strategic operations management. Adept at developing and implementing standardized procedures to enhance efficiency and customer satisfaction. Experienced in collaborating with founders and managing multiple departments in a high-pressure startup environment, delivering results under tight deadlines.
Overview
6
6
years of professional experience
Work History
Credit Manager | Operations Manager | Underwriter
Evate Technologies
Bengaluru
07.2024 - Current
- Spearheaded the loan process lifecycle, identifying and resolving critical constraints to enhance speed and efficiency.
- Strengthened presence in Bangalore through strategic collaboration with 10 major dealerships, developing and implementing standardized operating procedures (SOPs) for smooth dealership onboarding.
- Developed detailed SOPs for knowledge transfer in loan processing, CIBIL score acquisition, and dealership onboarding, cutting onboarding time by 40%.
- Conducted in-depth research and testing of telematic devices, coordinating with three manufacturers to integrate their technology.
- Designed templates for five distinct auto driver personas to optimize customer interactions and streamline the loan process.
- Contributed to strategic initiatives to enhance the company’s leasing services, crafting targeted promotional strategies by engaging with the target audience.
- Designed and implemented the end-to-end compliance process, ensuring adherence to regulatory requirements (e.g., RBI guidelines), and internal policies.
- Developed comprehensive frameworks, workflows, and documentation to standardize compliance across all operations.
Credit Manager
Think And Learn Pvt Ltd.
Bengaluru
08.2023 - 06.2024
- Used BRE (Bureau of Risk Evaluation) for evaluating creditworthiness, assessing risk, and determining credit limits for clients.
- Conducted video call verifications to enhance the authenticity and credibility of applicants.
- Developed and implemented credit policies and procedures to streamline the credit approval process and minimize risk exposure.
- Conducted ABB analysis (Average Bank Balance) for individuals and businesses to assess credit risk, and bypass BRE.
- Managed client relationships and collaborated with sales teams to structure credit terms and negotiate contracts, including processing post-dated checks for EMI payments.
- Monitored credit accounts, conducted regular reviews, and implemented strategies to mitigate credit risk, and minimize bad debt.
- Prepared detailed credit reports and recommendations for senior management, providing insights into credit portfolio performance and trends.
Senior Associate – Sales Ops
Think And Learn Pvt Ltd.
Bengaluru
06.2019 - 07.2023
- Generated sales reports and presentations for senior management, including territory planning, sales forecasting, and performance analysis.
- Implemented sales processes and systems to improve efficiency and productivity.
- Collaborated with cross-functional teams to streamline order processing, inventory management, and logistics, to ensure timely delivery of products. Developed and maintained reports to track key performance indicators, and measure sales effectiveness.
- Developed and maintained reports to track key performance indicators, and measure sales effectiveness.
Sales Associate
Think And Learn Pvt Ltd.
Bengaluru
10.2018 - 06.2019
- Prospected and acquired new clients in the ed-tech sector, achieving weekly sales targets.
- Built and maintained strong relationships with clients, providing personalized solutions, and addressing their needs and concerns.
- Conducted product demonstrations and presentations to educate clients on the features and benefits of the company’s offerings.
- Collaborated with internal teams to coordinate marketing campaigns and customer support activities, which helped in sales.
Education
MBA - Analytics
Jain University
Bengaluru08-2018
Bachelor of Commerce - Finance
Christ University
Bengaluru05-2015
Skills
- Investigations
- Policy application
- Credit risk management
- Sales proficiency
- Credit evaluations
- SOP Development
Accomplishments
- Achieved a high success rate in NACH mandate registration (95% - 97%) with e mandate registration (70-75%) rate twice the industry standards.
- Achieved a target of ₹33 Lakhs over a span of 8 months in a dynamic work environment with weekly sales targets. - Retained 90% of customers without cancellation and achieved a 25% conversion rate.
- Recognized twice for maintaining a high level of accuracy and minimizing errors in the process.
Languages
Kannada
First Language
Telugu
Proficient (C2)
C2
English
Intermediate (B1)
B1
Hindi
Intermediate (B1)
B1
Tamil
Intermediate (B1)
B1
Timeline
Credit Manager | Operations Manager | Underwriter
Evate Technologies
07.2024 - Current
Credit Manager
Think And Learn Pvt Ltd.
08.2023 - 06.2024
Senior Associate – Sales Ops
Think And Learn Pvt Ltd.
06.2019 - 07.2023
Sales Associate
Think And Learn Pvt Ltd.
10.2018 - 06.2019
MBA - Analytics
Jain University
Bachelor of Commerce - Finance
Christ University
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