Sam Nc

Credit Risk Analyst with 4+ years of direct experience in commercial credit analysis, credit adjudication support, risk assessment, credit alerts, financial and credit data analysis, fraud investigation and portfolio risk monitoring. Experienced in evaluating creditworthiness and credit-limit requests up to $1M, reviewing Ansonia, D&B, Equifax and Credit Safe reports, performing verification activities, investigating invoice fraud and recommending risk mitigation actions. Supported by prior experience managing a $25M portfolio across 100+ clients.

Experienced working in a FINTRAC- and AML-compliant environment, partnering with Underwriting, BDO, AR and CRM teams to support sound credit decisions, regulatory compliance, operational controls and client outcomes. Strong background in quantitative and qualitative analysis, risk reporting, KPI monitoring, problem resolution and stakeholder communication. MSc in International Accounting and Finance with a Bachelor of Commerce in Accounting and Finance.

Risk Analyst at Rev Capital (2022-07 – Present)

• Operate within a FINTRAC- and AML-compliant environment, supporting risk-conscious credit operations and adherence to applicable compliance and control expectations.
• Evaluate financial data, credit reports and client/debtor information to assess creditworthiness and determine appropriate risk levels for granting and managing credit limits.
• Assess significant credit-limit requests up to $1.0M and provide recommendations to the Credit Director and Credit Committee, supporting sound credit decisions and risk appetite.
• Conduct quantitative and qualitative credit analysis using D&B, Ansonia, Equifax and Credit Safe reports to identify credit risk, exposure and potential deterioration in client/debtor profiles.
• Develop and maintain credit-risk reports used to monitor risk exposure, support portfolio oversight and inform management decisions.
• Partner with Underwriting, BDO, Accounts Receivable and CRM teams to provide risk-analysis recommendations, control DSO and address fraud-related activities.
• Review contracts and agreements to identify potential risk exposures and communicate risk-reduction measures to CRM teams and customers.
• Handle credit inquiries and investigate discrepancies, supporting accurate account information, successful AR collection and reduction of credit exposure.
• Monitor AR team KPIs and provide weekly risk and performance updates to the Credit Director.
• Contribute to credit-risk policies and procedures and support enhancements to the organization's risk-management framework.
• Lead the credit department's financial-data metrics project, ensuring alignment with business objectives and regulatory requirements.
• Supervise and coach newly hired Accounts Receivable Associates and Credit Risk Analysts.

Client Relationship Manager at Rev Capital (2018-01 – 2022-07)

• Managed a $25M portfolio across 100+ clients, balancing client needs, operational requirements and business objectives.
• Assessed client needs and developed plans to address current and future objectives while maintaining strong client relationships.
• Resolved customer complaints and issues through targeted problem solving, improving the client experience and supporting timely resolution.
• Managed process flows, operational support and customer-engagement activities while coordinating with internal stakeholders.

Accounts Receivable Specialist at Rev Capital (2016-12 – 2017-12)

• Maintained an accounts-receivable portfolio and communicated professionally with debtors and clients through email and phone.
• Negotiated payment arrangements and followed up on overdue balances and payment plans to support timely collections and cash flow.
• Identified, researched and resolved billing variances to maintain system and financial-data accuracy.

Executive Accounts Receivable Senior Associate at Collabera Technologies Pvt. Limited (2014-09 – 2016-06)

• Prepared and analyzed weekly, bi-weekly, monthly and quarterly outstanding-payment and discrepancy reports using Excel Pivot Tables and VLOOKUP.
• Reduced past-due balances from $1.1M to $500K in approximately 1.2 months through focused analysis, follow-up and teamwork.

Associate Sales Manager – Mass Banking at IndusInd Bank Limited (2014-01 – 2014-04)

• Developed corporate-client relationships through self-generated leads and supported banking product and service activities.
• Provided product and service-related training to team members and contributed to achievement of sales targets.

Business Development Manager – American Express Corporate Banking Process at Serco Global Services (2013-02 – 2013-12)

• Analyzed client-company liabilities and sales turnover to identify companies qualifying for secured and unsecured loan offerings.
• Reduced customer query-resolution turnaround time by 80% and achieved 100% of sales targets through referrals and networking.

Executive – Business Development (HNI) at Sharekhan Limited (2012-02 – 2013-02)

• Built relationships with distributors, retailers and SMEs and advised high-net-worth customers based on their individual requirements.

Customer Service Assistant at J. Sainsbury PLC (2008-11 – 2011-07)

• Handled and resolved customer complaints by collecting and evaluating relevant information while maintaining company service standards.

Audit Assistant at Y. Iyer & Co. (Chartered Accountant) (2008-01 – 2008-06)

• Computed fixed-asset depreciation under applicable Companies Act rates, assisted with trial balance preparation and supported accounting-procedure finalization for audit reporting.

MSc in International Accounting and Finance – Liverpool John Moores University (2011 – 2011)

Bachelor of Commerce in Accounting and Finance – Maharaja Sayajirao University of Baroda (2008 – 2008)