Sonal Batra
Credit Analyst
Faridabad
Summary
Experienced and self-motivated having 11+ years experience in Sales, Operations and Underwriting - overseeing risk factors in Credit, and in sales overseeing sales figures and new account developments. Bringing forth a proven track record of working collaboratively with sales and underwriting team to achieve goals, increase revenue gains, and advance the sales cycle of the company. A strong leader with the ability to increase sales and develop strategies to retain customers.
Overview
13
13
years of professional experience
Work History
Sr. Credit Officer
Indifi Technologies Private Limited
12.2018 - 04.2024
- Analysis of MSMEs business loans application for ticket Size up to 30L
- Assessment of borrower profile, income stability and repayment capacity
- Understand financial statements, banking analysis and bureau reports
- Discussion with the applicant to understand business profile, risk areas and loan requirements
- Coordinating with the Sales, Operation, Legal, Technical and Customer Service team effectively
- Timely processing of the proposals to ensure faster TAT
- Ensuring adherence to the credit policy
- Tracking existing portfolio to analyze such cases for future actionable to maintain underwriting quality, without compromising on Approval Rate.
- Adhered to banking standards and government lending guidelines for loan services.
- Organized and finalized loan applications for underwriter review.
Sr. CRM Executive
Krish Infrastructure Private Limited (Krish Group)
02.2016 - 05.2018
- Planning and delivering CRM strategies across the organization with a view to retaining existing customers, increasing brand loyalty and expanding the company brand
- Deciding on a final CRM structure and architecture that will work seamlessly across the business and capture crucial information along the sales funnel
- Collaborating with other departments ensure the CRM strategy works well for every aspect of the business
- Closely work with Sales team to ensure that clients get proper and correct guidance related to their queries, assigned by CRM team
- Searching new vendors and registered them to our existing vendors panel list
- Making quotation comparison chart on Excel received by vendors for the requirement shared by team and discuss the same with 'Directors'
- Preparing purchase orders also for purchasing construction material after finalizing PO by Directors of the organisation
- Coordinate with the Vendors for item dispatch and delivery and with our internal accounts team for Vendors Payment
- Submit bills to Account department and update the payment status to vendors.
Team Leader - Sales Operations
Bharti Airtel Limited
02.2014 - 01.2016
- Managing POS, payroll and scheduling systems to control store expenses and manage resources
- Assisting store manager in effectively leading, managing and developing store and/or department operations and associates to maximize sales and profitability
- Conduct monthly audits to ensure operational compliance
- Hire, train and evaluate personnel in sales, marketing and POS systems
- Enter payments into MPOS, as well as payroll and checks for payments for supplies need
- Make requisitions for consumables, stock merchandise, organize, and clean as needed to meet the goals of the store
- Conduct daily meetings with sales reps to set goals based on project sales and assist manager in payroll and scheduling
- Prepare and conduct classes on topics such as security, personnel/equipment safety, and daily operations using Microsoft PowerPoint.
Floor Manager
Videocon Industries Ltd (Digi World)
02.2013 - 01.2014
- Maintained a neat and orderly floor and assisted customers with directions
- Worked closely with Store Manager to ensure timely completion of assigned task and target achievements
- Maintained Inventory records for Audit and future requirements, and to keep track on quantity of displayed products
- Oversee day-to-day operation, Monitor team performance, Discover training needs and provide coaching, Recognize high performance and reward accomplishments.
Sr. Sales Executive
Bajaj Finserv Lending
08.2011 - 01.2013
- Reviewed and processed individual loan and credit applications at Dealers Place
- Evaluated the loan and credit needs of clients, taking into consideration all aspects of their financial background in relation to policies and regulations
- Reported all necessary information to the Sales Manager and worked closely with them to achieve and maintain goals
- Handling & Managing multiple dealers and their accounts, keep track record of consumer files so that after disbursement the dealer can update the payment at the time of account reconciliation.
Education
Matriculation -
K.L Mehta Dayanand Public Sr. Secondary School
Faridabad, Haryana 03.2009 -
12th -
K.L Mehta Dayanand Public Sr. Secondary School
Gurgaon, Haryana 03.2011 -
Bachelor of Commerce -
School of Open Learning - Delhi University
Delhi, Delhi 08.2016 -
Skills
Flexible And Adaptable
undefinedHobbies
- Listening Music.
- Cooking.
- Playing Badminton.
- Travelling to Religious Places.
Additional Information
Date of Birth : 23rd, January 1993.
Father's Name : Mr. Bhupinder Batra
Maritial Status : Single
Timeline
Sr. Credit Officer
Indifi Technologies Private Limited
12.2018 - 04.2024
Bachelor of Commerce -
School of Open Learning - Delhi University
08.2016 -
Sr. CRM Executive
Krish Infrastructure Private Limited (Krish Group)
02.2016 - 05.2018
Team Leader - Sales Operations
Bharti Airtel Limited
02.2014 - 01.2016
Floor Manager
Videocon Industries Ltd (Digi World)
02.2013 - 01.2014
Sr. Sales Executive
Bajaj Finserv Lending
08.2011 - 01.2013
12th -
K.L Mehta Dayanand Public Sr. Secondary School
03.2011 -
Matriculation -
K.L Mehta Dayanand Public Sr. Secondary School
03.2009 -
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