Yashwin Kumar
Gurugram
Summary
Dynamic financial professional with extensive experience at Johnson Controls India and American Express India, specializing in credit evaluation and risk assessment. Recognized for fostering team collaboration to deliver exceptional customer service, leveraging strong analytical skills to drive strategic decision-making. Successfully enhanced portfolio management while consistently achieving performance goals.
Overview
5
5
years of professional experience
Work History
Assistant Manager (G-168)- Credit
Johnson Controls India Private Limited
Gurugram
08.2024 - 05.2025
- Served as an assistant manager with the credit team, working closely with Sales, Collections, Cash Applications, and Order Management.
- KRA's involved define and govern procedures for credit evaluation on portfolio management for various regions, such as Australia, New Zealand, Asia Pacific, India, Korea, Thailand, and Vietnam.
- Tasks included checking creditworthiness, credit reporting, credit scores, risk scores, credit evaluation, comparative research, risk classification, credit assessment, and risk mitigation, managing risk return, country risk, and industry data for maintaining optimum lines of credit.
- Major tools comprise financial analysis involving balance sheets, P&L, and cash flow analysis, notes to accounts, identifying and providing scope for alternative payment requirements and exceptions to the standards, and dealing with outstanding amounts and accounts receivable.
- Worked on platforms such as Oracle E-Business Suite, S&P Capital IQ PRO, D&B ERAM, and Credit Risk Monitor.
- Updated and maintained databases with current information.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Recognized by management for providing exceptional customer service.
- Worked effectively in team environments to make the workplace more productive.
FINANCIAL SPECIALIST TM Credit & Collect - US
American Express India Private limited
Gurugram
01.2021 - 02.2024
- Served in the process of commercial underwriting as a part of global commercial credit.
- Analyzed financial statements to ensure correct data.
- Conducted credit assessments to minimize risk before issuing credit lines.
- Examined financial reports to fulfill requests concerning charge and lending card details.
- Streamlined acceptance or denial decisions by thoroughly evaluating submitted data for business and individual cases.
- Verified completeness of policy documents, reducing errors before submission.
- Conducted comprehensive inquiries to address concerns swiftly.
- Ensured efficient collaboration across teams to maintain seamless case processing operations.
- Developed training materials to enhance team knowledge and skills.
- Facilitated strategic collaboration for optimizing team performance in line of credit operations.
- Maintained steady achievement of performance goals.
- Delivered timely and satisfactory solutions to clients.
CREDIT SPECIALIST TM Credit & Collect - US
American Epress India Private Limited
Gurugram
07.2020 - 01.2021
- Participated in SBA loan processing within the credit specialist department during an initial six-month period.
- Forecasted credit needs and client payment abilities to support accurate and effective decision-making.
- Analyzed payroll data to support small business loan evaluations.
- Focused on risk mitigation strategies to support economic stability during COVID-19, while ensuring the recovery of SBA loans as per the standards of the U.S. government.
Education
MBA - Finance Management
CHRIST UNIVERSITY
Bengaluru, India06-2020
B.A. Honours - Economics
Delhi College of Arts And Commerce - University of Delhi
Delhi, India06-2017
All India Senior School Certificate Examination (AISSCE) -
Somerville School
Delhi, India05-2014
All India Secondary School Examination (AISSE) -
Somerville School
Delhi, India04-2012
Skills
- Financial analysis
- Credit evaluation
- Risk assessment
- Credit reporting
- Portfolio management
- Team collaboration
- Training development
- Problem solving
- Regulatory compliance
- Outstanding collections
- Reporting and documenting
- Performance evaluation
- Analytical skills
- Business intelligence
- Cross-functional team leadership
- Teamwork and collaboration
- Effective communication
- Crisis management
- Interpersonal skills
- Corporate social responsibility
- Team building
- Performance tracking and evaluation
- Process improvement
Honor Awards
Celebrating Our #PassiontoServe Customer Service Week 2023, 2023, Global Commercial Credit - Operations - American Express, Awarded twice with #PassiontoServe in same year 2023 by managers for quality and work ethics on output produced.
Personal Information
Date of Birth: 11/21/95
Marital Status: Married
Location: Gurugram
References
N.B. Anisha, Underwriter credit analyst, n.b.anisha@aexp.com, 9319305199
Piyush Kukreja, HR, piyushkukreja@jci.com, 8005952102
Timeline
Assistant Manager (G-168)- Credit
Johnson Controls India Private Limited
08.2024 - 05.2025
FINANCIAL SPECIALIST TM Credit & Collect - US
American Express India Private limited
01.2021 - 02.2024
CREDIT SPECIALIST TM Credit & Collect - US
American Epress India Private Limited
07.2020 - 01.2021
MBA - Finance Management
CHRIST UNIVERSITY
B.A. Honours - Economics
Delhi College of Arts And Commerce - University of Delhi
All India Senior School Certificate Examination (AISSCE) -
Somerville School
All India Secondary School Examination (AISSE) -
Somerville School
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