Summary
Overview
Work History
Education
Skills
Languages
Timeline
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ANMOLDEEP BAGGA

Mississauga,Canada

Summary

Results-oriented Senior Credit Analyst with 5 years of expertise in evaluating and managing credit risk. Adept at analyzing data to formulate strategies that reduce credit risks and maintain compliance. Demonstrated ability to strengthen customer relationships and contribute to strategic financial improvements. Advanced skills in Excel and SQL, with a passion for technology and AI.

Overview

7
7
years of professional experience

Work History

Senior Credit Analyst

McKesson Canada
Mississauga, Canada
12.2022 - Current
  • Implemented credit risk strategy leveraging advanced analytics, lowering portfolio losses by 15% YoY.
  • Monitored account behavior and portfolio trends, identifying early warning signals that lowered delinquencies.
  • Partnered with banks, legal teams, and business development to refine credit models.
  • Optimized credit policies by implementing data-driven enhancements, increasing risk mitigation efficiency.
  • Tracked key risk metrics (delinquency, loss trends, leading indicators) to maintain loss ratios below 2.5%.
  • Collaborated with the core credit risk team to evaluate high-risk users, reducing fraud-related exposure by 10%.

Credit Card Specialist

TD Canada Trust
London, Canada
03.2022 - 10.2022
  • Advised clients on appropriate credit card products based on financial assessments and needs.
  • Delivered exceptional service for moderately complex transactions while ensuring compliance with bank policies.
  • Resolved customer and partner concerns by providing expert insights and accountability.
  • Promoted innovation and pursued goal achievement to enhance overall customer experiences.
  • Collaborated with team members to leverage collective knowledge for improved support.
  • Analyzed data to identify complex issues, recommending policy exceptions to resolve challenges.

Credit Analyst

Genpact Pvt. Ltd.
Gurugram, India
07.2018 - 02.2020
  • Assessed creditworthiness of potential customers using financial history and third-party tools.
  • Reviewed credit limits for existing customers by analyzing payment and sales trends.
  • Managed portfolio of assigned accounts to ensure optimal performance.
  • Set up new customers and updated profiles in SAP for accuracy.
  • Prepared reports on past-due customers based on Ageing buckets.
  • Reconciled accounts, identifying amounts for write-offs and offsets in SAP.

Education

Post Graduate Diploma - Business Management

FANSHAWE COLLEGE
London
12.2021

BACHELORS - COMMERCE

DELHI UNIVERSITY
New Delhi
05.2018

Skills

  • Credit Risk Modeling & Assessment Portfolio Management High-Risk Account Reviews Risk Metric Tracking Quantitative & Statistical Analysis Client Relationship Management Effective Communication Strategic Thinking & Planning Commercial Credit Report Analysis Database Management Applications Excel Power BI SQL Quick Learner AI Enthusiast Adaptability & Initiative

Languages

English
Full Professional
Hindi
Native/ Bilingual
Punjabi
Native/ Bilingual

Timeline

Senior Credit Analyst

McKesson Canada
12.2022 - Current

Credit Card Specialist

TD Canada Trust
03.2022 - 10.2022

Credit Analyst

Genpact Pvt. Ltd.
07.2018 - 02.2020

Post Graduate Diploma - Business Management

FANSHAWE COLLEGE

BACHELORS - COMMERCE

DELHI UNIVERSITY

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ANMOLDEEP BAGGA