Sanjana B C
Chartered Accountant
Bangalore
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 2.9 years of financial industry expertise. Proactive Credit Manager with strong background in financial analysis, budgeting and forecasting. Develops and implements financial plans and delivers strategic financial advice.
Overview
3
3
years of professional experience
Work History
Credit Manager
Yes Bank
Bangalore
05.2021 - Current
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Enhanced department efficiency by streamlining processes, reducing errors, and automating routine tasks.
- Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Managed entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Implemented effective training program for new hires that accelerated their ability to contribute effectively within team environment quickly.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Used Finnone to perform credit appraisals, document verification and loan approvals.
- Optimized credit approval and collection processes, improving operational efficiencies by over 90%
- Established culture of continuous improvement within credit department, driving process enhancements that increased productivity without sacrificing quality or control measures
Articleship Trainee
Dhariwal & Sreenivas
Bangalore
08.2015 - 08.2018
- Developed strong analytical skills through evaluating financial data for inconsistencies or discrepancies, suggesting corrective measures as needed.
- Performed various administrative tasks such as filing documents or managing correspondence efficiently as needed.
- Enhanced accuracy of financial reports by diligently reviewing and reconciling accounts.
- Optimized workflow efficiency by organizing files and documents electronically for easy access during audits or assessments.
- Supported senior accountants in preparing monthly financial statements, ensuring timely reporting to stakeholders.
- Maintained confidentiality of sensitive information while handling client accounts, adhering to strict ethical standards at all times.
- Kept up-to-date with tax changes and industry trends by participating in professional organizations, opportunities, and networks.
Education
Chartered Accountant - Accounting And Finance
Institute of Chartered Accountants of India
India 05.2013 - 11.2020
Bachelor of Commerce - Accounting And Business Management
Bangalore University
Bengaluru, India 06.2013 - 03.2018
Under Graduation - Accounting And Business Management
MES College of Arts, Commerce & Science
Bengaluru, India 06.2011 - 03.2013
High School Diploma -
Holy Angels High School
Bengaluru, India 06.1999 - 03.2011
Skills
Proficient in English, Hindi & Kannada
Credit Reports
Expertise in MS Excel, Word, Powerpoint & Outlook
Strategic Planning
Regulatory Compliance
Credit analysis
Risk Analysis
Policy Implementation
Proficient in English, Hindi & Kannada
Timeline
Credit Manager
Yes Bank
05.2021 - Current
Articleship Trainee
Dhariwal & Sreenivas
08.2015 - 08.2018
Bachelor of Commerce - Accounting And Business Management
Bangalore University
06.2013 - 03.2018
Chartered Accountant - Accounting And Finance
Institute of Chartered Accountants of India
05.2013 - 11.2020
Under Graduation - Accounting And Business Management
MES College of Arts, Commerce & Science
06.2011 - 03.2013
High School Diploma -
Holy Angels High School
06.1999 - 03.2011