MS excel
Vibhor Sudan
Credit Manager
Meerut,UP
Summary
Detail-oriented Credit Analyst with expertise in financial statement analysis and risk management. Optimized credit processes and enhanced customer outcomes through strong collaboration and analytical skills. Focused on driving impactful results and advancing organizational objectives with dedication.
Overview
5
5
years of professional experience
2
2
Certifications
Work History
Credit Manager
HDFC Bank
02.2025 - Current
- Analyzed financial statements to assess clients' creditworthiness.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Evaluated credit applications to determine eligibility and risk levels.
- Implemented risk management strategies to minimize defaults on loans.
- Optimized credit approval and collection processes, improving operational efficiencies by over 70%.
- Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
- Prepared detailed reports on credit performance for management review.
- Compiled data critical to analysis of annual bad debt.
Credit Analyst
Kotak Mahindra Bank
11.2023 - 12.2024
- Analyzed credit data and financial statements to assess risk for loan applications.
- Assessed credit risk and analyzed financial statements.
- Evaluated customer profiles and credit histories to determine eligibility for products.
- Monitored economic trends impacting borrowers' repayment capabilities and creditworthiness.
- Developed comprehensive reports detailing credit analysis findings and recommendations.
Customer Support Associate
Cogent E Services
12.2022 - 10.2023
- Boosted customer retention rates by providing exceptional support through phone, email, and chat interactions.
- Documented customer interactions in CRM system to ensure accurate records for future reference..
- Led initiatives for quality assurance, monitoring interactions to uphold service standards and enhance performance.
- Provided training to new associates on best practices for customer engagement and issue resolution.
- Upsold products and services during support interactions, contributing to increased sales.
- Facilitated smooth product returns and exchanges, ensuring customer satisfaction and trust.
- Documented customer interactions in CRM system, maintaining comprehensive records for future reference..
- Organized and maintained customer records with high accuracy, ensuring data privacy and compliance.
- Created FAQs and knowledge bases to streamline support and reduce incoming query volume.
Associate
Aaradhya Fincorp
10.2021 - 12.2022
- Streamlined documentation workflows by standardizing templates and filing processes to enhance accessibility.
- Coordinated with cross-functional teams to ensure thorough and accurate documentation for financial operations.
- Maintained accurate records of financial transactions and reconciled supporting documentation to support compliance.
- Improved documentation workflows by standardizing templates and filing processes.
Education
Bachelor of Commerce - Accounting And Finance
CCS University
Meerut, India 04.2001 -
High School Diploma -
Guru Tegh Bahadur Public School
Meerut, India 04.2001 -
Skills
Credit reports
Due diligence
Application review
Authorizations
Customer engagement
Credit risk assessment
Policy creation
Financial reporting
Software
Credit appraisal/ CRM
LOS
Banking CRM & loan organisation tools
MIS reporting & reporting
MS powerpoint
Credit bureau analysis
Portfolio monitoring & EWS tracking
Certification
MS excel
Timeline
Credit Manager
HDFC Bank
02.2025 - Current
Credit Analyst
Kotak Mahindra Bank
11.2023 - 12.2024
Customer Support Associate
Cogent E Services
12.2022 - 10.2023
Associate
Aaradhya Fincorp
10.2021 - 12.2022
Bachelor of Commerce - Accounting And Finance
CCS University
04.2001 -
High School Diploma -
Guru Tegh Bahadur Public School
04.2001 -