Saurabh Kumar
Gurugram
Overview
3
3
years of professional experience
Work History
Credit Analyst
Genpact India Pvt. Ltd.
08.2025 - Current
- Perform exposure review, and risk assessment to recommend appropriate credit limits and support new client setup.
- Conducted financial analysis using advanced Excel functions and tools.
- Monitored existing portfolios for compliance with credit policies and exposure limits.
- Negotiated terms and conditions of credit facilities with clients to protect the lender's interests.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Collaborate closely with Disputes, Claims, and Cash Application teams to research and clear open items, enabling faster invoice closure and improved AR aging.
- Conduct control reviews across finance and O2C processes to ensure adherence to internal policies and governance standards.
- Successfully supported completion of three process transitions, managing activities from Knowledge Transfer (KT) through SOP finalization and establishment of SLA and KPI frameworks.
- Maintain Standard Operating Procedures (SOPs), process documentation, and control checklists to standardize workflows.
- Support process transitions and continuous improvement initiatives through documentation and knowledge sharing.
- Generate production reports and dashboards to track SLA adherence, dispute timelines, and operational performance.
Finance Analyst (Order to Cash)
Accenture India Pvt. Ltd.
Gurugram
09.2023 - 08.2025
- Analyzed customer creditworthiness using financial statements, credit reports, and external risk management tools to determine appropriate credit limits.
- Performed credit underwriting by evaluating financial history, payment behavior, and risk indicators before approving new credit accounts.
- Conducted credit risk assessments and prepared recommendations for credit approvals, limit increases, or account restrictions.
- Established new customer accounts and ensured accurate documentation and compliance with company credit policies.
- Monitored and released credit holds after reviewing customer payment history and account status.
- Identified delinquent or high-risk accounts and recommended debt write-offs or third-party collections when necessary.
- Maintained and updated customer records, credit files, and sales tax information in internal databases.
- Generated and maintained credit, collections, and aging reports using Microsoft Excel and ERP systems.
- Collaborated with sales teams and internal departments to resolve credit issues and support business operations.
- Ensured compliance with SOX controls, internal policies, and corporate credit procedures.
Financial Analyst
Envision Business Solutions Pvt. Ltd.
- Performed financial analysis to support the underwriting team, enabling accurate and compliant credit decisions.
- Analyzed borrower income, assets, liabilities, and cash flow to assess financial strength and repayment capacity.
- Reviewed loan files and supporting documentation as per Mortgage guidelines.
- Verified documents in line with agency requirements and compliance standards.
- Checked income documents, bank statements, tax returns, credit reports, and employment records.
- Identified documentation gaps and escalated issues to underwriting teams.
- Supported audit readiness and SOP documentation.
Education
MBA - Finance
Shanti Business School
AhmedabadSkills
- Order-to-Cash Expertise
- Financial & Credit Analysis
- Reporting & Controls
- Process Transition & Improvement
- Systems & Data Tools
Languages
English
Proficient
C2
Timeline
Credit Analyst
Genpact India Pvt. Ltd.
08.2025 - Current
Finance Analyst (Order to Cash)
Accenture India Pvt. Ltd.
09.2023 - 08.2025
Financial Analyst
Envision Business Solutions Pvt. Ltd.
MBA - Finance
Shanti Business School