Siddhant Kumar
Strategic Credit Manager | Risk & Financial Analysis Expert
- Role
- Credit Manager at Clix Capital
- Location
- Delhi, DL, IN
- LinkedIn followers
- 500 followers
About Siddhant Kumar
Strategic and results-driven Credit Manager with a strong track record in MSME/SME…
Experience
Credit Manager
Jan 2025 — Present · New Delhi, IN
End-to-End Credit Underwriting: Evaluated and underwrote business loan proposals up to Rs 50 Lakhs by conducting in-depth financial analysis, due diligence, and risk assessment, ensuring adherence to company policies and regulatory frameworks.• Customer Profiling & Need Assessment: Engaged with clients through Tele-PD, Video-PD, and Physical-PD interactions to assess loan requirements, validate revenue streams, and establish financial credibility, leading to accurate risk-based decision-making.• Comprehensive Credit Analysis & Reporting: Prepared Credit Appraisal Memorandums (CAMs). Analyzed CIBIL, FI/RCU/Hunter checks. Validated GST, banking, turnover data for creditworthiness evaluation.• Risk Identification: Identified risks in client business models, repayment, and industry exposure. Mitigation: Proposed approval or rejection of loans with strong justifications to protect portfolio quality.• Policy Adherence & Portfolio Quality Assurance: Ensured compliance with internal credit policies and regulatory standards, contributing to healthier asset quality, reduced delinquency risk, and sustainable business growth for the MSME/SME lending portfolio.
Education
IILM University, Gurugram
Master of Business Administration - MBA, Fintech and Operations Management
ACCA
Association of Certified Chartered Accountant , Accounting and Finance
Amity University Lucknow Campus
B.com (H), Accounting and Business/Management
2017 — 2020
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