Satish Kumar A
Bengaluru
Summary
Accomplished Credit Manager with a proven track record at Kinara Capital with 8+ years experience in Credit, excelling in risk management and fostering robust customer relationships. Expert in digital lending,credit risk model design with underwriting skills and i also significantly enhanced decision-making processes and credit control, mentoring teams to align with strategic objectives. Renowned for leveraging research and cross-functional collaboration to drive business growth and minimize risks.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Credit Manager
Kinara Capital
Bengaluru
06.2016 - Current
- Demonstrated expertise in underwriting, ensuring an accurate assessment of credit risk.
- Generated comprehensive MIS reports to support credit decision-making processes.
- Manage the credit control process for a portfolio of secured and unsecured loans.
- Underwriting skill set in digital lending and strategic partnerships.
- Ability to ensure the credit decision based on analysis and risk assessments.
- Oversee the management of outstanding accounts to ensure timely collection of payments.
- Supervise and mentor the credit and collections team, providing guidance and support as needed.
- Collaborate with sales, customer service, and finance teams to align credit decisions with company objectives.
- Ensure adherence to relevant laws, regulations, and company policies regarding credit practices.
- Sample audit checks and managing makers checker vertical
- Stay updated on industry trends and changes in credit laws.
- Establish credit limits and terms for new and existing customers.
- Conduct risk assessments and provide recommendations to minimize potential losses.
- Collaborate with cross-functional teams to support business objectives.
- Visit customers and understand the need for loan and prepare CAM
- Underwriting and decisioning for working capital, loans against property, asset purchase, bill discounting products, etc.
- Joint Business testing with respective stakeholders.
- Prepared monthly reports on credit activities, highlighting trends and providing actionable recommendations.
Education
Bachelor Of Commerce
Bengaluru University
Bengaluru06-2016
Skills
- Credit risk management
- Loan reviews
- Digital Lendings
- SQL programming
- Research and due diligence
- Cash flow management
- Paperwork processing
- Customer relationship management
Languages
Tamil
First Language
Hindi
Intermediate (B1)
B1
Kannada
Advanced (C1)
C1
Telugu
Intermediate (B1)
B1
English
Proficient (C2)
C2
Accomplishments
Best performer and Promotions
- Q2 and Q4 FY 16-17
Certification
- Credit Analysis from FLIP
- SQL, API UI and UX from edureka
- Advance excel with AI from udemy
- Bank statement analysis and cash assessment from coursera
Affiliations
- Participated at club level cricket tournaments
- Post loan customer Loan utilization checks activities
- Internship training and knowledge transfer
- Anchored company events
- Associated in companies news letter and employee spotlights
Timeline
Credit Manager
Kinara Capital
06.2016 - Current
Bachelor Of Commerce
Bengaluru University
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