Credit Manager
Current• Assessing & identifying creditworthiness of the customers. • Preparing & maintaining pre & post disbursement loan documentation. • Defining internal credit rating of the customers. • Working on & generating various reports such as CIBIL, CRILC, and other Credit Checks.• Developing & implementing credit risk policies, procedures, and strategies to mitigate risk exposure and optimize lending practices.• Conducting thorough credit evaluations of new & existing customers, including financial analysis, industry research, and credit scoring.• Monitoring & managing credit limits, exposures, and delinquencies to maintain a healthy credit portfolio.• Collaborating with the cross-functional teams, including Sales, Finance, and Legal, to ensure alignment on credit risk management strategies.• Providing recommendations & guidance to the senior management on credit risk issues, trends, and potential impacts on business operations.• Enhancing data analytics and reporting capabilities to improve credit risk assessment and decision-making processes.• Implementing risk mitigation strategies, such as collateral requirements and credit insurance, to protect the organizations interests.• Certificate of Achievement , Excellent Employee – Change Agent – Jan 2024• Certificate of Appreciation, Best Employee Non RM – Jan 2022• Certificate of Achievement, Excellent Employee – Catalyst of the Year - Jan 2020
