Summary
Overview
Work History
Education
Skills
Timeline
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Siddhant Kapoor

Gurgaon

Summary

Experienced Credit Analyst offering well-developed skills in managing teams, record updates, and financial statement reviews. Pursuing a position in a busy organization where a qualified individual with an understanding of collections is highly sought. Hardworking employee with customer service, multitasking, and time management abilities. Devoted to giving every customer a positive and memorable experience.

Overview

9
9
years of professional experience

Work History

Credit Bureau Unit / Collection / GNA

American Express
Gurgaon
01.2019 - 06.2024
  • Handle inquiries and disputes related to credit bureau reporting of American Express accounts.
  • Thorough investigation using credit details from different sources.
  • Multi-skilled across card platforms/products.
  • Provided support during debt financing activities including loan origination processes or refinancing negotiations.
  • Provided guidance to junior team members regarding best practices for assessing creditworthiness.
  • Responded promptly to inquiries from external auditors regarding the company's compliance with applicable laws and regulations governing consumer lending practices.
  • Conducted financial analysis on customer's accounts and credit history.
  • Verified accuracy of customer information, including income and employment status.
  • Assisted in the resolution of disputes between customers and creditors or debt collectors.
  • Maintained a database of customer information including names, addresses, contact information, account numbers.
  • Participated in meetings with senior management to discuss strategies for managing the company's receivables portfolio.
  • Prepared reports detailing delinquent accounts, charge-offs, collection activities, and other issues related to the company's receivable portfolio.
  • Ensured that all documents are filed accurately according to established procedures.
  • Identified valuable solutions for customers with credit problems.
  • Trained rookie credit staff in application processing, credit analysis and loan disbursement to detect and curb fraud.
  • Identified opportunities for process improvement within the department.
  • Monitored customer accounts to ensure compliance with contractual obligations and company policies.
  • Evaluated customer payment patterns to determine creditworthiness and recommend actions accordingly.
  • Researched customer accounts for any discrepancies or outstanding payments.
  • Analyzed customer data to identify potential areas of improvement within the collections department.
  • Maintained accurate records of collection activities in database system.
  • Adhered to company policies and applicable laws while collecting debts from customers.

Customer Service Representative/Sales

British Airways
Gurgaon
12.2016 - 01.2019
  • Maintained up-to-date knowledge of airline policies regarding fares, schedules, special offers, and other services offered by the airline.
  • Resolved customer complaints by providing prompt and courteous service.
  • Answered incoming calls from customers seeking help booking tickets or making changes to existing reservations.
  • Ensured compliance with airline regulations and procedures related to ticketing, check-in, boarding, and disembarkation of passengers.
  • Communicated effectively with team members throughout shift changes.
  • Processed payments for tickets and checked passengers in for their flights.
  • Issued refunds or credits when appropriate due to flight cancellations or delays.
  • Provided customers with accurate directions to the airport terminal.
  • Monitored flight departures and arrivals times and updated customers accordingly.
  • Researched alternate routes for passengers if their original itinerary was cancelled or delayed.
  • Advised customers on available discounts based on loyalty program status or other promotions.
  • Assisted with customer inquiries regarding flight information, baggage policies, and seating arrangements.
  • Sold, printed, and issued tickets to customers following all applicable guidelines.

Technical Sales Representative

Mattsen Kumar
08.2016 - 12.2016
  • Responded promptly to customer emails or phone calls regarding inquiries about products or services.
  • Negotiated contracts with vendors to ensure cost-effective procurement of products.
  • Resolved customer complaints in a timely manner.
  • Provided product demonstrations to clients.
  • Provided technical sales support to clients via phone, email and video conferencing.
  • Generated leads through cold-calling, networking events, and digital campaigns.

Technical Sales Representative

Tech Live Connect
03.2015 - 08.2016
  • Analyzed customer data to identify trends in the market and developed strategies to capitalize on them.
  • Resolved escalated issues between customers and technical sales representatives in a professional manner.
  • Generated sales by prospecting leads, cold calling and negotiating advantageous deals.
  • Assisted customers during selection process and helped choose perfect products to meet individual needs.

Education

Class X -

Gurgaon

Class XII (Science) -

Gurgaon

Physics Honors -

Delhi University
Delhi

Skills

  • Telephone communication
  • Cold-calling
  • Data Compilation
  • Judgmental lending
  • Oral and written communications
  • Risk Assessment
  • Credit analysis
  • Credit decision making
  • Technical sales
  • Email Communication
  • Public Speaking
  • Sales Reporting
  • Consultative Sales

Timeline

Credit Bureau Unit / Collection / GNA

American Express
01.2019 - 06.2024

Customer Service Representative/Sales

British Airways
12.2016 - 01.2019

Technical Sales Representative

Mattsen Kumar
08.2016 - 12.2016

Technical Sales Representative

Tech Live Connect
03.2015 - 08.2016

Class X -

Class XII (Science) -

Physics Honors -

Delhi University

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