Saumya Sinha
Pune
Summary
Experienced finance professional prepared for role. Strong focus on risk assessment, credit analysis, and client relationship management. Known for team collaboration and achieving results. Reliable and adaptable, skilled in financial reporting, regulatory compliance, and strategic planning.
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Manager
ICICI Bank
04.2022 - Current
- Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reviewed and analyzed loan procedures in different retail assets-Credit Cards, Mortgages (Home Loan, LAP etc.), Personal Loan, Auto Loan, Education Loan and disbursements related to above.
SENIOR AR ANALYST
PACIFIC-AN ACCESS HEALTHCARE COMPANY
10.2021 - 03.2022
- Directly responsible for analyzing and rectifying all billing discrepancies while verifying payments have been received and posted correctly for client invoices
- Documenting any and all activity for each invoice on the account and also on the main account pie goal or bad debt reports for the managers to review
AR ANALYST
Rl RCM GLOBAL PVT LTD
09.2019 - 10.2021
- Directly responsible for analyzing and rectifying all billing discrepancies while verifying payments have been received and posted correctly for client invoices
- Documenting any and all activity for each invoice on the account and also on the main account pie goal or bad debt reports for the managers to review
- Evaluated and researched outstanding issues for escalation to the appropriate department in a timely manner, with follow up to ensure concerns are resolved
- Preparing accounts receivable reports for submission to management with account status as needed
- Strong attention to detail and ability to problem solve independently
Education
PGDM - Finance
Institute of Management & Technology
01.2019
COMPANY SECRETARY - EXECUTIVE
The Institute of Company Secretaries
01.2017
BACHELORS OF COMMERCE -
Lucknow University
01.2012
Skills
- Team Work
- Quick Learner
- Problem Solving Abilities
- MS Excel
- MS Word
- Travelling
- Reading
- Credit reports
- Risk assessments
- Credit analysis
Languages
English
Hindi
Main Objective
A Detailed oriented, fast adapting Credit Manager is seeking a challenging position with room for growth. Key strengths include excellence in time management, scheduling, communication, organization, and skillful with Microsoft Office.
Certification
Certificate in Commercial credit by Moody's Analytics in April 2023.
Certificate of Investment Banking Professional by Imarticus Learning in March 2022.
Timeline
Credit Manager
ICICI Bank
04.2022 - Current
SENIOR AR ANALYST
PACIFIC-AN ACCESS HEALTHCARE COMPANY
10.2021 - 03.2022
AR ANALYST
Rl RCM GLOBAL PVT LTD
09.2019 - 10.2021
COMPANY SECRETARY - EXECUTIVE
The Institute of Company Secretaries
BACHELORS OF COMMERCE -
Lucknow University
PGDM - Finance
Institute of Management & Technology
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