Sumit Singh

Business Development Executive

New Delhi, Delhi, India6 yrs 9 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Expert in credit risk management and financial analysis.
Proven track record in customer acquisition and portfolio management.
Skilled in working capital financing and credit scoring.

Stackforce AI infers this person is a Banking and Finance professional with expertise in credit risk and financial analysis.

Contact

sumit.singh@kotak.com LinkedIn

Skills

Core Skills

Credit Risk ManagementFinancial AnalysisCredit Analysis

Other Skills

Credit ScoringCustomer Relationship Management (CRM)Customer ServiceLeadershipManagement Information Systems (MIS)Marg ERP 9Market ResearchMicrosoft ExcelMicrosoft OfficeMicrosoft PowerPointPortfolio ManagementProduct PenetrationPublic SpeakingRetail BankingSales & Marketing

About

A professional Banker Having experience in providing support to Banking in finance and marketing. Experience into credit, sales & Risk Management with Precise skill set in end to end working Capital financing. Having expertise into risk analysis, financial Assessment, CAM preparation, credit scoring, customer acquisition and portfolio management. proficient in working under fast paced and target driven environment and seeking a challenging career in the field of banking (finance & marketing) so, as to utilize my skills for organization and individual growth. Always on a look out for a positive & bigger outlook.

Experience

Kotak mahindra bank

Credit Manager

Sep 2025 – Present · 6 mos · Delhi, India · On-site

Financial AnalysisUnderwritingCredit Risk ManagementPortfolio Management

Hdfc bank

Credit Manager

Feb 2024 – Sep 2025 · 1 yr 7 mos · Gorakhpur, Uttar Pradesh, India · On-site

Credit Underwriting of SME client (Upto 15 crores) of Various fund base and Non Fund based product like- Cash Credit, Overdraft,DOD,TL,Pledge, BG and Others.
Assessing the creditworthiness which involves analysis in terms of profitability, Leverage and current ratio in respect of financial
submitted.
Conduct personal discussion with customer to establish credit worthiness.
Established appropriate credit limit for customer based on their creditworthiness and company policies.
Responsible to control and contain front end Delinquency by following up with business team and customer on first presentation..
Monitoring the credit granted to the customers an ongoing basis to ensure compliance with agreed terms and conditions.
Periodically Reviewing the lender portfolio to identify possible risk.
Responsible to conduct month visits over fresh customer and delinquent account

Credit AnalysisFinancial AnalysisCredit Scoring