Pankaj Ray
New Delhi
Summary
A seasoned Lead Credit Analyst with a proven track record at American Express, adept in portfolio management and risk mitigation strategies. Excelled in enhancing credit decision processes and reducing financial risks through advanced Microsoft Excel and SQL skills. Renowned for exceptional customer service, significantly improving client satisfaction and retention.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Lead Credit Analyst
American Express
07.2016 - Current
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Negotiated payment plans and loan terms with delinquent customers.
Process Developer
Genpact
01.2016 - 07.2016
- Prioritized secure handling of sensitive customer information within processes, minimizing potential liability issues by proactively managing risk.
- Received and reviewed incoming documents and materials.
- Analyzed previous business processes for inherent flaws, avoiding similar pitfalls in subsequent process development lifecycles.
Senior Advisor
Wipro BPO
12.2013 - 11.2015
- Assisted clients with financial planning to meet financial goals.
- Managed client portfolios on consistent basis and contacted clients to provide details on investments.
- Crafted suitable financial strategy for each client based upon his or her needs and future goals.
Education
Bachelors of Engineering - Electronics And Communication Engineering
Nagpur University
Gondia, India05-2010
Skills
- Portfolio management
- Risk mitigation strategies
- Credit risk assessment
- Microsoft Excel proficiency
- Customer service and support
- Account management
- SQL
- Python programming language
Accomplishments
Employee of the Year
Greatness Award
Ubhartha Sitara of the Process
Top of the Stack
Certification
Google Data Analytics Certificate
Timeline
Lead Credit Analyst
American Express
07.2016 - Current
Process Developer
Genpact
01.2016 - 07.2016
Senior Advisor
Wipro BPO
12.2013 - 11.2015
Google Data Analytics Certificate
Bachelors of Engineering - Electronics And Communication Engineering
Nagpur University
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