Summary
Overview
Work History
Education
Skills
Certification
Languages
Personal Information
Timeline
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Susmit Newgi

Navi Mumbai

Summary

  • Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
  • Led a team of 5 members, driving a notable 5% year-on- year reduction in delinquency rates through proactive management & performance enhancement strategies
  • Spearheaded the integration of AI-based credit scoring techniques, resulting in a notable 25% improvement in underwriting efficiency and process effectiveness
  • Secured a position in the top 25 in a national-level business plan competition organized by the Jamnalal Bajaj Institute of Management (JBIMS), showcasing strategic acumen, innovative thinking, and effective presentation skills on a competitive platform
  • Orchestrated cross-departmental collaboration initiatives, leading to a significant 30% reduction in turnaround time (TAT) for credit analysis and a subsequent increase in customer satisfaction
  • Expertise in conducting risk assessments, identifying market trends, and providing actionable insights to support investment strategies
  • Proven track record of evaluating complex financial data, adhering to regulatory guidelines, and recommending strategies to minimize credit losses
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments

Overview

2
2
years of professional experience
1
1
Certification

Work History

Credit Manager

Kotak Mahindra Prime
06.2023 - Current
  • Ensure adherence to established policies and procedures while underwriting proposals, consistently meeting agreed service level agreements, and effectively managing city/area business volume
  • Review and evaluate diverse loan applications for new and used cars within established guidelines, resulting in informed decisions or recommendations for higher-level approval
  • Conduct comprehensive credit risk training sessions for over 35 team members, enriching departmental knowledge and enhancing overall capabilities
  • Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions
  • Built a high-performing credit management team with a strong focus on collaboration, accountability, and continuous development.

Research Intern

Mavericks Business and Market Research
05.2022 - 07.2022
  • Industry Profiling and Key Company Analysis of Telecom Sector for Various Countries
  • To perform secondary research and prepare company profiles (such as company overview, board members, history, and financial statement analysis)
  • Strategically analyzing reports in a pre-described format and conducting a SWOT analysis of the sector assigned after analyzing multiple stats
  • Need to Research multiple Companies with Russia and Ukraine war Impact on the organization’s Business supply chain and financials.

Investment Banking Experience Program

Finlatics
08.2022 - 09.2022
  • Project1- approaching any PE firm to invest in a start-up, you need to convince them regarding the potential of your proposal
  • Project 2- Preparing SWOT analysis of ED tech company in its ideation stage.

Education

Master of Business Administration -

We school
01.2023

Bachelor of Commerce -

K.J.Somaiya College of Arts and commerce
01.2019

HSC -

Swami Vivekananda Junior college
01.2016

SSC -

Pune Vidya Bhavan
01.2016

Skills

  • Financial Statement Analysis
  • Financial Reporting
  • Credit Analysis and Underwriting
  • Credit Research
  • Research and due diligence
  • Research Analysis
  • Report Writing
  • Credit Reports
  • Fraud Understanding

Certification

  • Bloomberg Market Concept (3 weeks)
  • Python for Finance: Investment Fundamentals & Data Analytics (2 Months)
  • Financial Modelling Made Easy (2 weeks)
  • Advance Excel Tutorial Online- (3 weeks)

Languages

English
Marathi
Hindi

Personal Information

Date of Birth: 10/13/98

Timeline

Credit Manager

Kotak Mahindra Prime
06.2023 - Current

Investment Banking Experience Program

Finlatics
08.2022 - 09.2022

Research Intern

Mavericks Business and Market Research
05.2022 - 07.2022

Master of Business Administration -

We school

Bachelor of Commerce -

K.J.Somaiya College of Arts and commerce

HSC -

Swami Vivekananda Junior college

SSC -

Pune Vidya Bhavan

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Susmit Newgi