Nischal G
Credit Manager
Bengaluru
Summary
Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Overview
6
6
years of professional experience
1
1
Certification
5
5
Languages
Work History
Credit Manager
Think And Learn PVT LTD
Bengaluru
01.2023 - Current
- Used BRE for evaluating creditworthiness, assessing risk, and determining credit limits for clients.
- Conducted video call verifications to enhance authenticity and credibility of applicants.
- Developed and implemented credit policies and procedures to streamline credit approval process and minimize risk exposure.
- Conducted ABB analysis (Average Bank Balance) for individuals and businesses, to assess credit risk to bypass BRE.
- Managed client relationships and collaborated with sales teams to structure credit terms and negotiate contracts, including processing post-dated cheques 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
06.2019 - 12.2022
- Generated sales reports and presentations for senior management.
- Managed sales operations and provided strategic support to sales team, 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.
Sales Associate
Think And Learn PVT LTD
10.2018 - 06.2019
- Prospected and acquired new clients in 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 features and benefits of company's offerings.
- Collaborated with internal teams to coordinate product launches, marketing campaigns, and customer support activities.
- Kept abreast of industry trends and competitor activities to identify opportunities for differentiation and competitive positioning.
Education
MBA - Analytics
Jain University
BengaluruBachelor of Commerce - Finance
Christ University
Bengaluru 04.2001 -
Skills
Excel
undefinedAccomplishments
- 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 having Weekly Sales target. - Had 90% of the customers retained without cancellation and a 25% conversion rate.
- Privileged with recognition twice for maintaining a high level
of accuracy and minimizing errors in the process. - Acknowledged with high-level performance, consistently
exceeding expectations and qualifying for incentives.
Certification
Microsoft excel - Level 1
Timeline
Credit Manager
Think And Learn PVT LTD
01.2023 - Current
Senior Associate Sales Ops
Think And Learn PVT LTD
06.2019 - 12.2022
Sales Associate
Think And Learn PVT LTD
10.2018 - 06.2019
Bachelor of Commerce - Finance
Christ University
04.2001 -
MBA - Analytics
Jain University
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