Punit Sharma
Sikar
Summary
Highly Motivated and result oriented professional with over 3 years of experience in financial services seeking a challeging opportunity to credit analysis and customer relationship management ,Successfully enhanced customer satisfaction, Auditing, through timely credit decisions and thorough financial assessments ,Skilled in financial reporting and risk assessment, driving informed decision-making and ensuring compliance with company policies. Demonstrated ability to achieve goals through dedicated hard work and collaboration.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Credit Officer (MSME / LAP)
Choice finserv private limited
Sikar
06.2024 - Current
- Perform a personal discussion (PD) visit to evaluate the client's financial status and ensure proper documentation.
- Recommended cases based on detailed assessments, ensuring alignments with company policies and financial guidelines.
- Reviewed credit applications and financial statements to determine customer creditworthiness.
- Collected debt information about clients by contacting banks, credit services and credit bureaus to determine meeting financial obligations.
- Enhanced customer satisfaction by providing timely and informed credit decision.
- Created and updated financial reports on frequent basis to present information to leadership teams.
Credit Relationship Manager
HDB Financial service
Sikar
02.2024 - 06.2024
- Perform a personal discussion (PD) visit to evaluate the client's financial status and ensure proper documentation.
- Recommended cases based on detailed assessments, ensuring alignments with company policies and financial guidelines.
- Reviewed credit applications and financial statements to determine customer creditworthiness.
- Collected debt information about clients by contacting banks, credit services and credit bureaus to determine meeting financial obligations.
- Enhanced customer satisfaction by providing timely and informed credit decision.
- Prepared and presented regular reports on credit risk exposure and performance to senior management.
Operations Executive (Vehicle)
Kogta finance india limited
Sikar
08.2022 - 02.2024
- Manage all aspects of back office operations ensuring smooth financial transaction.
- Oversight disbursement of checks and cash conducting audit to guarantee accuracy.
- Created and updated financial reports on frequent basis to present information to leadership teams.
Credit Executive (vehicle)
kotak mahindra bank
Sikar
11.2020 - 08.2022
- Manage all aspects of back office operations, ensuring smooth financial transaction .
- Oversight disbursement of checks and cash, conducting an audit to guarantee accuracy.
- Perform a personal discussion (PD) visit to evaluate the client's financial status and ensure proper documentation.
- Recommended cases based on details. Assessments, ensuring alignment with company policies, and financial guidelines.
- Enhanced customer satisfaction by providing timely and informed credit decisions.
- Created and updated financial reports on frequent basis to present information to leadership teams.
Accountant Officer
Charted accountant
Sikar
01.2018 - 10.2020
- Financial Reporting preparing trial balance , balance sheet , profit and loss statements.
- Tax compliance - Gst data pepare , Gst filling , TDS caluation , Tax Audit support.
- Data analysis and reporting using tally reporting features, generating custom reports.
- Inventory management.
- Daily data entry management like as sale, purchases , expenses, banking etc.
Education
Master of Commerce (M.COM) - Commerce
University Of Rajasthan
Jaipur01-2017
Bachlor of Commerce (B.COM) - Commerce
University of Rajasthan
Jaipur01-2015
Skills
- Credit analysis
- Financial reporting
- Risk assessment
- Debt collection
- Customer relationship management
- Credit application review
Languages
Hindi
First Language
English
Beginner
A1
Websites
Certification
- RS-CIT VMOU KOTA
- Tally ERP9 For Tally Acedemy
Affiliations
- Volunteering : demonstrates compassion, community involvement, and teamwork
- Sports : Highlights discipline, teamwork, and physical skills.
- Hobbies : Like photography, writing or playing music, can demonstrate creativity and other skills.
Timeline
Credit Officer (MSME / LAP)
Choice finserv private limited
06.2024 - Current
Credit Relationship Manager
HDB Financial service
02.2024 - 06.2024
Operations Executive (Vehicle)
Kogta finance india limited
08.2022 - 02.2024
Credit Executive (vehicle)
kotak mahindra bank
11.2020 - 08.2022
Accountant Officer
Charted accountant
01.2018 - 10.2020
Master of Commerce (M.COM) - Commerce
University Of Rajasthan
Bachlor of Commerce (B.COM) - Commerce
University of Rajasthan
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