Shivangi Srivastava
Gurgaon
Summary
Proven in enhancing portfolio quality and customer satisfaction, I leveraged risk assessment and relationship management skills at Johnson Controls to improve decision-making processes. My expertise in financial analysis and interpersonal communication significantly boosted efficiency and client retention, showcasing a results-driven approach with a keen focus on strategic growth .and customer service excellence.
Overview
8
8
years of professional experience
Work History
Credit Analyst
Johnson Controls
05.2022 - Current
- Assessed credit risk and analysed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analysed credit scores to determine borrowers creditworthiness.
- Reviewed credit reports to comprehensively view borrowers credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decisionmaking.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Made decisions and recommendations about extending lines of credit.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Performed credit reviews on corporations to assess financial conditions.
- Complied with internal controls and government regulations.
Management Trainee
Genpact
08.2018 - 04.2022
- Reviewing credit worthiness of the new McKesson customers to provide them the justified credit limit.
- Setting up customer account with key info provided by the data management team.
- Reviewing the credit trend of the existing customers to check if they need an increase in the credit limit by checking their sales trend and payment behaviour in last few months.
- Preparing cross match reports for the knock off of debits & credits.
- Working on reconciliation reports under T- codes F.31, FBL5N.
- Handled a team of 5 FTs and providing them support in case of any challenge.
- Prepared month end business reports to determine the variance percentage from the previous month. I prepare SLA and Exception tracker on a monthly basis.
- Prepared productivity tracker on a daily basis.
- Prepared query tracker to get resolution from the client on new scenarios.
- Prepared login & logout report and also the month leave tracker.
- Prepared business presentations during client visits.
Virtual Relationship Manager
Yes Bank
06.2017 - 12.2017
- Nurtured an engaged online presence that brought in new leads while also bolstering existing relationships.
- Managed a diverse portfolio of clients, utilising strong organisational skills to prioritise tasks and meet deadlines effectively.
- Enhanced client satisfaction by promptly addressing concerns and providing tailored financial solutions.
- Increased customer retention rates by proactively monitoring accounts for potential issues or areas requiring additional support.
- Strengthened customer loyalty through consistent follow-up on inquiries and proactive communication of product updates.
- Streamlined internal processes for greater efficiency, implementing improvements in response to client feedback and evolving industry trends.
- Boosted sales performance by identifying cross-selling opportunities and effectively promoting suitable products to clients.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Monitored customer feedback and generated reports to identify areas of improvement.
- Resolved problems with high-profile customers to maintain relationships and increase return customer base.
- Managed accounts to retain existing relationships and grow share of business.
Customer Care Executive
Concentrix
05.2016 - 04.2017
- Enhanced customer satisfaction by resolving inquiries effectively and efficiently.
- Managed a high volume of inbound calls, multitasking effectively to address diverse customer needs simultaneously.
- Communicated with customers to identify needs and expectations.
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Coordinated timely responses to online customer communication and researched complex issues.
- Took ownership of customers issues to follow problems through to resolution.
- Provided excellent customer service by efficiently resolving issues and responding to inquiries.
- Streamlined customer support processes for improved call handling times and resolutions.
- Delivered personalized assistance by actively listening to customers'' concerns and adapting responses accordingly.
- Exceeded targets consistently by maintaining an unwavering focus on customer satisfaction and service excellence.
- Served as a key point of contact for escalated issues, diffusing tension and ensuring prompt resolution.
Education
B. Com Hons - Accounting
GLA University
Mathura06.2016
Skills
- SAP
- Nxtrend
- Risk Assessment
- Credit analysis
- Financial statement analysis
- Credit risk
- Credit decisions
- Verbal and written communication
- Relationship Management
- Financial statement review
- Portfolio Management
- Problem-solving abilities
- Multitasking
- Task Prioritization
- Interpersonal Skills
Accomplishments
- Johnson Controls - Transitioned Ducted segment of credit from Mexico to India.
- Genpact - Got Promoted from Process Developer to Management Trainee in Sep 2021.
- Genpact - Went for On-Job-Training from CRM transition of McKesson Canada
Timeline
Credit Analyst
Johnson Controls
05.2022 - Current
Management Trainee
Genpact
08.2018 - 04.2022
Virtual Relationship Manager
Yes Bank
06.2017 - 12.2017
Customer Care Executive
Concentrix
05.2016 - 04.2017
B. Com Hons - Accounting
GLA University
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