Satish Kumar A

Experience

• 

  Kinara Capital

  Sept 2016 - now

  *Manage the credit control process for a portfolio of Secured and Unsecured business loans*Identify opportunities to improve automation and efficiency through policy, procedure, process, and systems* Develop and implement credit control procedures to improve cash flow and reduce bad debt* Conduct credit checks and assess the creditworthiness of new and existing customers* Strive to support the growth and sustainability of the customers by ensuring complete due diligence and risk practices * Ensure portfolio monitoring by enabling the creation and implementation of effective strategies * Hands-on knowledge of Loan against property and machinery finance loans * Underwriting skills in digital lending and strategic partnerships * Develop and use credit scoring models or systems to assess and monitor credit risk* Address and resolve any credit-related issues or disputes that arise with customers* Work closely with sales, collection, operation, finance, and other departments to ensure alignment on credit terms and customer credit limits* Stay updated on industry trends and best practices to improve the credit management process continually Show less * Team Management and leading the team of 10+ employees* Strong understanding of financial principles, including cash flow analysis, debt-to-income ratios, and credit scoring* Ability to make informed and fair decisions based on the analysis of credit data and risk assessments* Ability to ensure that credit decisions adhere to legal and regulatory guidelines* Qualitative and Quantitative detailed application review * Sample checks and cross-team support * Keeping detailed records and documentation of credit evaluations and decisions* Hands-on with SQL for data pull* Policy updates for onboarding partnerships sales * Co-lending support which manages the relationship with the borrower, processes payments, and handles administrative tasks. Often responsible for communication and coordination among co-lenders Show less

  • Assistant Functional Manager

    Apr 2023 - now

  • Manager

    Apr 2021 - Mar 2023

  • Deputy Manager

    Apr 2020 - Mar 2021

  • Assistant Manager

    Apr 2019 - Mar 2020

  • Senior Executive

    Apr 2018 - Mar 2019

  • Executive

    Sept 2016 - Mar 2018