SFDC
Raghav Mahajan
CREDIT MANAGER
Jalandhar
Summary
Accomplished Deputy Manager with of experience consistently rising through ranks. Well-versed in sales, personnel management, accounting and inventory management. Dedicated to complete knowledge of company products and services for optimized customer service. Patient Credit Manager possessing vast understanding of credit reporting agencies and in-depth knowledge of job-related software, including LENTRA and BPM. Managing credit files, analyzing credit applications and monitoring credit reviews.
Overview
6
6
years of professional experience
5
5
years of post-secondary education
2
2
Certifications
2
2
Languages
Work History
Credit Manager
ADITYA BIRLA FINANCE LIMITED
PUNE AND JALANDHAR
05.2021 - Current
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Reviewed and analyzed loan procedures.
- Monitored accounts for signs of fraud and non-payment issues.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Used Lentra application to perform credit appraisals, document verification and loan approvals.
- Achieved various recognition for credit underwriting process
Credit Manager
IDFC FIRST BANK
DELHI
04.2019 - 10.2020
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Monitored accounts for signs of fraud and non-payment issues.
- Used SFDC and BPM to perform credit appraisals, document verification and loan approvals.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
Financial Analyst
The Tribune
Chandigarh
04.2018 - 06.2018
- Developed forecasting tools to analyze revenue variances and capitalize on industry trends.
- Determined pricing, margins and risk factors for active and proposed projects.
- Used relevant financial technology to generate reports and recommended courses of action to upper management.
- Reviewed financial reports and streamlined operations to increase productivity and company profits.
- Collected data from other divisions to support quarterly forecasts.
Pricing Analyst
LIFE HAR DIN PVT LTD
Pune
01.2018 - 04.2018
- Monitored competitors' pricing activities to make effective decisions that would improve company revenue.
- Carefully monitored market trends to ascertain best pricing for company's products.
- Calculated correct costs for project-specific goods and services by gathering information from team members, sub-contractors and vendors.
- Utilized cost estimation systems to document project information, create estimates and revise project costs to reflect current data.
- Assessed profitability in effort to make adjustments using both company and marketplace data to develop decisive pricing.
- Prepared estimates used by management for purposes such as planning, organizing and scheduling work.
- Increased customer satisfaction by resolving issues.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
Education
MBA - Finance
IRM
INTERNATIONAL SCHOOL oF BUSINESS AND MEDIA
04.2017 - 04.2019
Bachelor of Commerce - Finance
GURU NANAK DEV UNIVERSITY
04.2013 - 04.2016
Skills
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Certification
Credit Underwriting Training - [15 days]
Accomplishments
Achieved the GOLD Certificate from the CRISIL Training conducted by the organization on financial planning and analysis twice.
Software
LENTRA
BPM
Interests
PHOTOGRAPHY
Timeline
FINANCIAL RISK AND ANALYSIS
10-2022
Credit Manager
ADITYA BIRLA FINANCE LIMITED
05.2021 - Current
Credit Manager
IDFC FIRST BANK
04.2019 - 10.2020
Financial Analyst
The Tribune
04.2018 - 06.2018
Pricing Analyst
LIFE HAR DIN PVT LTD
01.2018 - 04.2018
MBA - Finance
IRM
INTERNATIONAL SCHOOL oF BUSINESS AND MEDIA
04.2017 - 04.2019
Bachelor of Commerce - Finance
GURU NANAK DEV UNIVERSITY
04.2013 - 04.2016
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