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Credit & Financial Analyst / Credit Systems & Operations

Paonta Sahib, Himachal Pradesh, India
January 09, 2020

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Sushil Kumar

Phone: +91-988******* & 783-***-****.


** ******, ****** (ST) Paonta Sahib, Distt- Sirmour (HP)- 173029

Analytical credit expert with nearly 9 years of experience in commercial vehicles &equipments, cars, tractors, TW &personal loans industry. Proven experience in assessing client application, establishing credit lines, making crucial decisions, conducting financial reports and reducing overdue accounts. Extraordinary analytical skills, strong knowledge of financial markets and high attention to accuracy.Skilled verbal and written communicator who negotiates relationship-building business agreements with win-win scenarios.Extremely adept at quantitative analysis and client relations.Proven ability to provide cost-saving evaluations by applying detail-oriented mindset.Known for supervising simultaneous projects in high-pressure environments with professionalism and poise.Proficient in adapting to new procedures as business climate changes.

Core Competencies

Debt & Credit Management

Strategic Planning & Execution

Cost of Credit Administration

Documentation & Reporting

Risk Analysis & Management

Case Study & Strategy Development

Financial Analysis & Data Interpret

Credit Risk Verification & Operations

Credit &Relationship Management

Borrower’s Underwriting Analysis

Customer Service & Relations

Profile Summary

Detail-oriented credit analyst with background leveraging CPA credentials, credit systems, financial collections, debt management, reporting and all related credit-based system operations and hands-on experience in quantitative/statistical analysis, budgeting, accounting and forecasting.

Highly focused and goal oriented credit professional offers a proven track record of success in developing and improving policies and procedures that enforce customer credit terms/limits, ensure high percentages of on-time collections, and optimize cash payments/cash flow for the operation.

Specialized expertise associated with credit and financial analysis and use of modeling and regression analysis to assess risk and project rates.

Capable of developing cash flow analysis to facilitate commercial & personal loan renewals, modifications, and annual reviews. Well practiced in reviewing financial information and developing pertinent credit packages to cater to the needs of the borrower.

Proficientin using Excel, Lotusand internal systems for analyses and creating supporting illustrations for credit reports and presentations to colleagues and board.

Excellent communication skills, and ability to present complex information in an easy to understand format.

Organizational Experience

HDB Financial Services Ltd. – Paonta Sahib, H.P. ( Since –June-2016.

Credit Relationship Manager

Key Result Areas:

Review, maintain and make crucial decisions on evaluating credit proposals covering financial, business and industrial risk &decisioning of the loan applications (commercial, car, tractor) in compliance with company policies and procedures; communicate decisions to clients.

Review all documentation, verifying the promoter’s track record & ascertaining their credit worthiness and recommendations before final determinations are rendered. Calculate and track positive and negative yield statistics, reporting findings to management.Monitor and enforce approval rate and TAT as per prescribed standards, ensuring that monthly branch audit score is satisfactory.

Effectively assesscredit risk and (current & potential) client viability, analyzingfinancial statements of the prospective customer to identify the short term & long term solvency & liquidity position. Perform (quantitative & qualitative) analysis of requests for loans and lines of credit.

Assess the client records and create suggestions as per closure of accounts or decrease of credit limit. Evaluate financial information, like statements, cash flow statements and management accounts.

Examine current financial statements and credit data of persons or firms to decide the degree of risk concerned in extending lending or credit money. Organize reports among this credit information for employ in decision making.

Offer quality service to internal clients through undertaking risk appraisal analysis of a range of types of lending suggestions. Keep correct credit files and collection files as well as electronic collect notes for every client account.

Stay knowledgeable concerning the legal, compliance and market risk connected matters concerned in the endorsement of credit.Increase models of credit information to forecast trends and patterns employing specialist arithmetical software.

Offer financial order administration support to sales and supply chain and advertising employees to control credit exposure, effect timely payment, and reduce risk of client arguments.

Aggressively contributes and interacts in the team based work groups that build up the credit section. Conduct customer visits and collection calls to gather accounts receivables.


Boosted company performance by revise application process and develop customized exit strategies for each client. Enhanced integrity of financial data by devising new procedures for handling document changes to client records.

Sustained low credit application processing time while protecting company from higher risk. Decreased company's risk exposure by creating procedures for client portfolio review and conducting review every six months.

Prevented write-offs by negotiating successful buyouts and payment plans with delinquent clients.

Collaborated with multiple departments to address and correct billing errors at company name, ensuring invoices correctly aligned with customer purchase orders for billing and collections purposes

Shriram City Union Finance Ltd.,PaontaSahib( 2011 to June 2016

Officer-II(Credit & Operation)

Key Result Areas:

Conducted credit risk analysis by analyzing risk parameters such as the probability of default, value-at-risk, risk weighted, activity ratios.

Prepare, review, and Analyze credit-worthiness of personal and commercial loan originations and renewals. Underwrite accounts based on business revenues and transactional data.

Make articulated recommendations on disputed loan issues while suggesting alternative options for the client party, ensuring compliance of corporate credit policies with commercial banking policies and applicable guidelines

Implemented more effective collection policies and worked with sales team to engage them in collection process on larger accounts, putting accounts on hold until collected.

Increased customer service focus by requiring regular customer service training and productivity & morale by implementing cross training and monthly rotation of duties.

Determined whom credit terms are granted; what limits should be, and negotiated payment schedules.

Prepared weekly and quarterly reports to verify accuracy, show credit activities, and analyze bad debt liability.

Developed standard operating procedures, credit control system and process improvements to achieve efficient inter-departmental processes.Managed branch related worklike case, bank, collection, reports, insurance & also gold loans.


Resolved a disputed loan issue with a high profile client and brought the company back from the verge of being sued, transforming the situation into a win-win scenario.

Consistenly exceeded goals in monthly metrics; provided timely and accurate results without sacrificing quality of work.

Aarpee Enterprises Pvt. Ltd.,Paonta Sahib, H.P. May 2010 to March 2011


Key Result Areas:

Streamed the system, managed 10-12 clients every month and procedure for effective inventory control for insuring ready availability of martial to meet the production target.

Negotiated agreements between employees to clarify misunderstood directions and resolve conflicts affecting performance.

Classed inventory into A B C category, absolute, slow moving and no-moving category and working towards optimization of inventory.

Gained client confidence and improved operations by keeping information confidential.

Employed effective time management when dealing with coordination and accountability around personnel and security assets.

Academic Details

2011 – 2013: M.Com ( Finance ) from Sri Dev Suman Uttarakhand University, Uttarakhand (

2007 – 2010: B.Comfrom Himachal Pradesh University, Shimla, HP(

Certification Courses&Extracurricular Activities

April, 2010: 03 Completed “Tally Financial Accounting Program I-IV” course (Tally, ERP9, Enterprise Resource Planning & Accounting) from Tally Academy - Tally, Paonta Sahib.

December, 2005: Received accolades & ‘Certificate of Participation” in state level schools cultural competition, Manali

2006-2007: Honored with “Souvenir Certificate”for participation in folk dance in schools zonal tournaments

Strengths &Skills

Technical Skills: Accounting, finance, MS Excel, quantitative analysis.

Soft Skills: Interpersonal skills, problem solving, stress management, communication.

Knowledge of credit limits for the accounting procedures, operational knowledge and understanding of finance and accounting & strong critical reasoning plus analysis skills.

Ability to collect and evaluate financial procedures & capability to communicate key initiatives and project updates to leadership in risk management.

Personal Details

Permanent Address: R/o- Sataun (18) Sataun, Kamrau (ST) Distt-Sirmour (HP)-173029.

Date of Birth : 5thDecember, 1989

Languages Known: English and Hindi

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