NITISH KUMAR
BALLIA,UP
Summary
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering [Number] years of financial industry expertise.
Overview
2
2
years of professional experience
Work History
Branch Credit Manager
Muthoot Microfin
Ballia
03.2023 - 05.2025
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Wrote reports detailing branch activities.
- Achieved consistent customer satisfaction ratings through efficient resolution of issues related to loan applications or disbursement processes.
- Reviewed more than [Number] financial statements per month.
- Created and managed financial models to evaluate corporate investments and acquisitions.
- Reviewed and analyzed loan procedures.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Compiled data critical to analysis of annual bad debt.
- Optimized credit approval and collection processes, improving operational efficiencies by over [Number]%.
- Referred delinquent accounts to collections department or outside resources.
Education
BACHELOR IN COMPUTER APPLICATION - Computer Science And Programming
DR. BHIM RAO AMBEDKAR UNIVERSITY
AGRA05.2020
INTERMEDIATE - Science Education
NATIONAL INSTITUTE OF OPEN SCHOOLING
VARANASI04.2017
HIGH SCHOOL - SCIENCE
CENTRAL BOARD OF SECONDARY EDUCATION
Varanasi, India05.2014
DIPLOMA IN COMPUTER APPLICATION - Computer And Information Sciences
SARASWATI COMPUTER INSTITUTE
Azamgarh, India10.2009
Skills
- Credit Scoring
- Credit Reports
- Risk Assessments
- Fraud knowledge
- Performance monitoring
- Loan Origination
- Risk Analysis
- Expertise in [Software]
- Risk Mitigation
- Fraud understanding
- Customer Service
- Critical Thinking
- Decision-Making
- Financial analysis and reporting
- Risk Assessment
- Quality Assurance
- Sales Strategies
- Credit analysis
- Loan Underwriting
- Team Management
- Application processing
- Cash handling expertise
- Know Your Customer
- Staff Management
- Accounting management
- Financial Reporting
- Risk Management
- Loan Processing
- CRM Tracking
- Financial Information Systems
- Financial Administration
- Human Resources
- Collections Actions
- Credit Approval and Denial
- Strategy Development
- Word Processing
- Human resources knowledge
- Business development expertise
- Business Development
- Budget Forecasting
Timeline
Branch Credit Manager
Muthoot Microfin
03.2023 - 05.2025
BACHELOR IN COMPUTER APPLICATION - Computer Science And Programming
DR. BHIM RAO AMBEDKAR UNIVERSITY
INTERMEDIATE - Science Education
NATIONAL INSTITUTE OF OPEN SCHOOLING
HIGH SCHOOL - SCIENCE
CENTRAL BOARD OF SECONDARY EDUCATION
DIPLOMA IN COMPUTER APPLICATION - Computer And Information Sciences
SARASWATI COMPUTER INSTITUTE