Financial Services Credit Representative

CURRICULUM VITAE

RITA SINGH

Address – ***, New Sainik Colony, Fatehgarh, UP

Contact No. - 808*******, 639-***-****

E-mail - *********@*****.***

OBJECTIVE

A highly motivated and dedicated Credit Representative Manager with the experience in providing a range of financial services, including loan assessment, risk management and monitoring credit performance.

WORK EXPERIENCE

Working in HDB Financial Services Ltd, Kanpur from 7 th June 2021 to till as a Credit Representative Manager (CRM).

Responsibilities

Underwriting CAM by with help of providing documents & CIBIL report of customer.

Analyzed credit reports to ensure accuracy and compliance with regulations .

Assessed creditworthiness of loan applications in accordance with bank policies and procedures.

Identify areas of risk and suggest risk mitigation measures .

Analyzed customer financial information to determine repayment capacity. Worked in Magma Fincorp Ltd (20 th Aug, 18 – 3rd June, 2021) as a Portfolio Manager in Quality Control department at Kanpur.

Responsibilities

Managing portfolio (0 bkt -60 bkt) by tele calling.

Manage collections process and ensure timely resolution of accounts in dispute

Provide regular training and support to all collections staff

Provided weekly reports to management on customer aging and collection activities.

Researched and responded to customer inquiries, complaints and disputes.

Negotiated payment plans and settlements with customers. EDUCATIONAL AND PROFESSIONAL QUALIFICATION

2 Months Training about Modern Banker Program (MBP) from Times Pro Learning Center at Lucknow in 2016.

B.sc (math) From P.D.Mahila Degree College Fatehgarh, Kanpur University in 2014.

12th (science) From C.B.S.E Board, Kendriya Vidyalaya Fatehgarh in 2 011.

10th From C.B.S.E Board, Kendriya Vidyalaya Fatehgarh in 2009.

Certificate in Computer Operations (1 yr. duration) ACHIVEMENT

3rd ranked in UP region for achieving 0.5 % collection in 0 bkt (JFM target).

NISM CERTIFICATION

Mutual fund V-A certified.

Depository Operations Certification Examination Series-VI passed. STRENGTHS

Strong customer service skills.

Congenial and enthusiastic contributor.

Proven ability to prioritize and handle multiple tasks in a challenging environment.

LANGUAGES

Proficiency in Hindi

Proficiency in English

Personal Details

Husband’ Name - Vidyojay Verma

DOB - 01/02/1994

Marital Status - Married

Nationality - Indian

DECLARATION

I hereby declare that the above-mentioned information is correct up to the best of my knowledge and I Bear the responsibility for the correctness of the above -mentioned particulars.

DATE- 3rd July, 2024

Signature

(RITA)

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