Sachin Sharma
New Delhi
Summary
Strategic Credit Risk Analyst brings expertise in financial analysis and risk assessment. Reports on vulnerabilities and offered guided recommendations to reduce exposures. Firm grasp on industry trends and emerging risk management solutions. Astute Credit Risk Analyst with high-level financial acumen and data analysis skills. Maintains strict adherence to data security and confidentiality requirements. Consistent record of top-quality performance.
Overview
10
10
years of professional experience
Work History
Assistant Manager - Credit
Cars24 Financial Services Pvt. Ltd.
Gurgaon
08.2018 - Current
- Product :- Dealer Financing (Inventory Funding B2b.)
- Approval Authority:- 12 Lac
- Checking applicant's profile and eligibility as per the company's internal norms.
- Prepared the credit analysis memorandum (CAM) and submitted loan . applications to underwriters.
- Checking CIBIL score and other obligations to know credit history and repayment track of applicant.
- Checking area of residence for risk evaluation.
- Due Diligence of KYC, bank statements, and income documents; business proofs; irregular credits in bank statement.
- Monitoring credit sendbacks and credit approval rates.
- Maintain TAT and follow SOPs for assigned work
- Prepared financial statements and reports, providing timely and meaningful analysis of financial data
- Follow up monthly on EMI payments to prevent delivery issues.
- Verify customer references to assess creditworthiness.
- Assess prospective customers' creditworthiness through payment history, compliance, and fraud control.
Partner Relations Executive
Breathe India Advisors Pvt. Ltd
New Delhi
05.2016 - 01.2018
- Handling B2B function of Bigfishstores.com
- Responsible to manage a portfolio of vendors including sales strategies, day account operations, order management and logistics support
- Product Sourcing, Pricing of SKUʼs, Planning Promotions
- Price negotiation for Promotions & procurement from B2B vendors
- Vendor liaison for new product lines and management of existing product lines
- To make calls to merchants and to get live their discounted deals on our website for promotion
- Tracking daily and weekly performance of the employees in terms of acquired merchant
- Coordinating with the clients in Pipeline for faster closure
- Delivered Weekly, Monthly, Quarterly, Annual Reports - Revenue, Margin and Mark down targets
- Analyzed consumer sales information to assess trend analysis and inform vendors on applicable strategies.
Operations Executive
Kinobeo Software Pvt. Ltd
New Delhi
10.2014 - 05.2016
- Data Handling, MIS, Reporting & Resolve Customer Complaints Over the Mail
- Done Different Task Like: - Handling Logistics Work, Also Picking Inbound Calls, Outbound Calls Etc
- Department: Operations
- Designation: Operation Executive.
Operations Executive
Best E-Cluster Soft Pvt. Ltd (Policy Bazaar.com)
Gurgaon
- Catering to Health Insurance.
Customer Care Executive
Serco BPO Pvt. Ltd
Gurgaon
- Catering to Health Insurance.
Education
Graduate - Delhi University
New Delhi, IndiaIntermediate (10+2) - CBSE Board
New Delhi, IndiaHigh School (10th) - CBSE Board
New Delhi, IndiaSkills
- Credit Risk Assessments
- Credit Monitoring
- Risk & Data Analytics
- Credit Underwriting
- Loan documentation
- Ability to Work Under Pressure
- Microsoft Office
- Due Diligence
- FOIR calculations
- CIBIL check and interpretation
- MIS Reports
Personal Information
- Date of Birth: 06/26/1987
- Nationality: INDIAN
- Marital Status: Unmarried
Languages
- English
- Hindi
Hobbies and Interests
- Music
- Bike Riding
- Watching Movies & Web series
Disclaimer
I hereby declare that the information furnished above is true to the best of my knowledge and belief.
Timeline
Assistant Manager - Credit
Cars24 Financial Services Pvt. Ltd.
08.2018 - Current
Partner Relations Executive
Breathe India Advisors Pvt. Ltd
05.2016 - 01.2018
Operations Executive
Kinobeo Software Pvt. Ltd
10.2014 - 05.2016
Operations Executive
Best E-Cluster Soft Pvt. Ltd (Policy Bazaar.com)
Customer Care Executive
Serco BPO Pvt. Ltd
Graduate - Delhi University
Intermediate (10+2) - CBSE Board
High School (10th) - CBSE Board
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