Summary
Overview
Work History
Education
Skills
Listening Music & Sports
Timeline
Generic

Harikrishnan T.S

Accounts & Finance
Dammam,013

Summary

Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Provides customers with targeted financial advice, service options and product recommendations to serve debt management needs. Effective at building and implementing plans for each person or organization. Proficient in factors affecting credit scores and strategies for financial recovery.

Overview

5
5
years of post-secondary education
9
9
years of professional experience

Work History

Credit Manager

DADABHAI TRVEL LTD
Dammam, Eastern Province
06.2012 - Current
  • Oversaw all reporting, documentation and recordkeeping requirements for department.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Negotiated settlements and payment terms with customers through Communication
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.

Education

Bachelor of Commerce - B.com -Finance /Co-operation

Government Higher Secondary School ,Pala
Pala. Kottayam
06.2002 - 05.2005

Master of Commerce - M.com Finance

Mahatma Gandhi University, Kerala.
Uzhavoor
06.2005 - 05.2007

Skills

Credit reports

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Listening Music & Sports

Loves Karnatic& Light Music(South India) & Watching Football & Playing Cricket

Timeline

Credit Manager

DADABHAI TRVEL LTD
06.2012 - Current

Master of Commerce - M.com Finance

Mahatma Gandhi University, Kerala.
06.2005 - 05.2007

Bachelor of Commerce - B.com -Finance /Co-operation

Government Higher Secondary School ,Pala
06.2002 - 05.2005

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Harikrishnan T.SAccounts & Finance