Sheeshpal Saini
Kotputli
Summary
Experienced professional with expertise in Functional & Administrative knowledge and strong soft skills. Seeking to contribute to organizational growth. Interested in joining a team that values continuous learning and professional development. Passionate about making a meaningful impact and achieving mutual success in a dynamic work environment. Dedicated to applying skills towards shared goals and objectives.
Overview
7
7
years of professional experience
Work History
Credit Manager
TVS Credit Services Ltd.
11.2024 - Current
- Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- 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.
- Referred delinquent accounts to collections department or outside resources.
- Consistently achieved monthly collection targets by prioritizing accounts based on risk level and potential impact on cash flow.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Reviewed and analyzed loan procedures.
Branch Credit Manager
Cholamandalam Investment & Finance Co. Ltd
04.2022 - 10.2024
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Managed a high-performing team of credit analysts, providing guidance, training, and support for professional development.
- Streamlined interdepartmental communication channels to facilitate seamless information flow between the branch''s sales, operations, and risk management functions.
- Leveraged data analytics tools to better understand customer needs and preferences, refining branch lending strategies accordingly for maximum growth potential.
- Developed strong relationships with key business partners, fostering collaboration to drive branch growth and performance.
- Provided comprehensive training programs for new hires, ensuring a strong understanding of company policies, procedures, and risk management practices.
- Strengthened underwriting standards by conducting regular audits of completed credit reviews and providing constructive feedback to analysts on areas for improvement.
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Established performance benchmarks and KPIs for the credit department, regularly monitoring progress and implementing corrective measures when needed.
- Wrote reports detailing branch activities.
- Designed comprehensive reports detailing portfolio performance metrics and recommendations for senior management review during strategic planning sessions.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Designed and maintained financial models to identify and measure risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reviewed and analyzed loan procedures.
Officer - Credit Operations
Chola Business Service Ltd.
04.2018 - 04.2022
- Ability to work in a new and challenging environment.
- Willingness to work in groups and ability to lead group activities.
- Willingness to learn new concepts, ideas and use new technologies.
- Attitude to share information and new knowledge.
- Provided reporting for forecast analysis and ad-hoc reporting in support of decision-making.
- Evaluated customer needs and feedback to drive product and service improvements.
- Developed effective improvement plans in alignment with goals and specifications.
Education
B.COM - Accounting And Finance
L.B.S. Gov. College
Kotputli, India01.2015
12th - Accounting And Finance
Royal Academy Sen. Sec. School
Paota01.2011
10th - General Studies
Sec. Public School
Pragpura01.2009
Skills
- Situation Handling Ability
- Discipline
- Punctuality
- Work Commitment
- Leadership Skill & Hard Working
- Application review
- Credit reports
- Risk assessments
- Mentoring and training
- Credit analysis
- Policy implementation
- Risk analysis
- Portfolio management
- Credit evaluations
- Underwriting expertise
- Loan decision assessments
LANGUAGES KNOWN
Hindi
English
References
Bhola Ram, Gurjar, 9887567111, Pick City Fincap Pvt Ltd
Training
- Diploma in Computer Application
- Diploma in Office Automation and Financial Management
PERSONALITY TRAITS
- Quick learning ability.
- Time Punctuality.
- Adaptability.
Timeline
Credit Manager
TVS Credit Services Ltd.
11.2024 - Current
Branch Credit Manager
Cholamandalam Investment & Finance Co. Ltd
04.2022 - 10.2024
Officer - Credit Operations
Chola Business Service Ltd.
04.2018 - 04.2022
B.COM - Accounting And Finance
L.B.S. Gov. College
12th - Accounting And Finance
Royal Academy Sen. Sec. School
10th - General Studies
Sec. Public School
PERSONAL DETAILS
- Father’s Name : Mr. BHAIRU RAM SAINI
- Date of Birth : 07/06/1994
- Gender : Male
- Marital Status : Married
- Nationality : Indian
Disclaimer
I hereby declare that the above-mentioned details are true and correct to the best of my knowledge and belief. Date-……………………… Place-……………………… SHEESHPAL SAINI
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