Somia James
Area Credit Manager @Auxilo Finserve Private Limited
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WORK HISTORY
Area Credit Manager @Auxilo Finserve Private Limited
IN
EDUCATION
Pillai College of Arts,Commerce and Science
Bachelor of Commerce - BCom, Finance, General
Pillai Institute of Management Studies and Research
Master of Business Administration - MBA, Finance, General
ABOUT SOMIA JAMES
Accomplished Credit Management professional with over two years of rich experience in effective leadership for the credit function in delivery of processes such as fundamental credit application and standard credit control for future establishment with a more rigorous credit framework in pursuit of ambitious growth strategies • Demonstrated history in Credit underwriting, Processing and checking CIBIL, Framing product policies, Product policy review, Portfolio Management, Risk Analysis & Control, Collection, Operations and Team Management • Skilled at underwriting of SENP & Salaried cases in Education Loan, Housing Loan & Mortgage, and preparation of CAM Sheet & Approval notes • Proficient in implementing credit policies to improve compliance with corporate requirements and reducing risk in portfolio • Excellent in resourceful performance checks on data integrity & credit history and maintaining high level of accuracy & consistency and managing credit underwriting and risk analysis • Specialised in assessing the creditworthiness of customers, minimising debt losses, increasing sales, investigating credit applications, managing corporate financing programs, credit policy, Loan Eligibility calculation for Salaried and SENP files • Exceptional leadership skills with the ability to develop robust credit terms and credit limit management, through the delivery of quality analysis and reporting with technical knowledge on Tally ERP 9 & MSCIT
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