Harneet Kaur

-- Bangalore, Karnataka-560016 Harneet Kaur Specialize in credit research, financial analysis & risk assessment. Developed credit and financial review models along with internal/external audits, data analysis, global reporting, financial dashboards for leadership reviews, and managing automation projects. Expertise in strategy formulation and implementation resulting in profit maximization. A team player with demonstrated leadership and project management skills. WORK EXPERIENCE Work experience of 8+ years in Dell International Services India Private Ltd (May 2013 – July 2021) • Advisor (Working capital solutions) (July 2021) • Senior Credit Analyst • Financial Analysis Analyst • Financial Admin Sr. Associate • Financial Admin Associate KEY SKILL SETS • • • • • • • • • • • • • Project management skills Expertise in presentation Advanced excel , Visio Oracle-expertise w.r.t. credit SAP- experience with credit Tcodes Sabrix- application of taxes Quality audit/ governance/controls, SOX compliance Create content for training and development Data analysis, create financial dashboards Risk management, quick learner & problem solver Strategy formulation and implementation Experience working with global remote team Team lead for 2 years handling team of 5 members LAST ROLE RESPONSIBILITIES • • • • • • • Managing $32Bn WCS portfolio, collaborating with treasury for audit compliance Global report preparation, track and compare WCS KPIs/metrics Suggest ways to reduce overall cost of the program and expand it in different countries Diversification of portfolio to mitigate risk New partner onboard to WCS program & credit capacity extension decisions Declining partner/partner profitability report analysis Forecast annual fees AOP vs actuals, quarterly review to minimize variance Internal Use - Confidential -- • • • • Worked as project manager for creating inhouse global WCS metrics report- coordinate with analytics/business intelligence team to highlight process gaps & brainstorm to fix the issues. Worked on automation projects – fees report, Power BI dashboard Prepare and present leadership presentations/financial dashboards Train new hires, document current global process for audit and training purpose PREVIOUS ROLE RESPONSIBILITIES • • • • • • • • • • • Managing India credit portfolio of $1Bn, involved in credit research, financial analysis, and risk assessment - review the creditworthiness of corporates to grant credit limit and terms, extended terms, and risk assessment Responsible for managing global 500 corporate accounts with $0.7Bn portfolio Team lead – managed team of 5 for 2 years, escalation management and shadowing manager Lead quarterly sales/collection/new hire meetings, present credit teams in different forums Credit portfolio review for EMC and Dell Track, compare, drive and report credit team KPIs/metrics to leadership Managed AnZ portfolio of $2.5Bn for 2 quarters, was cross-trained in AnZ credit process Quality audit and review of India credit policy on a monthly/quarterly basis Developed new financial and credit models to create credit capacity Forecast to maximize credit business and reduce rejection rate Ensuring individual SLA of above 95% to ensure achievement of team metrics PROJECTS • • • • • • • • • • • • • • • • • Diversification of WCS portfolio- DLL to Wefi transition saved $4M annually Worked as Project manager to create WCS scorecard Automation of global funder fees report- saved 2 day’s productivity per month Developed Partner profitability report- data submitted to treasury for 1st time in 8 years Ensure minimum variance between outlook and actuals (less than 1%) Periodic review of Indian/AnZ and EMC portfolio reduced repetitive reviews by 50% Reduce rejection rate by 8% and cycle time by 8hrs for India region. Drafted process /audit document for the credit review process for credit org. (India/AnZ /EMEA/AMER) Training new hires from sales/collection/credit Process simplification initiative for India Credit saved 5 minutes per case review, 100 mins per day (5x20 cases) Automating manual process of transfers saved 1 headcount Driving SCL adherence for Indian portfolio reduced repetitive reviews by 60% Proactive EMC credit review reduced manual touch rate by 40% Developed new credit review model for SB segment led to reduction in rejection rate by 20% Automation of SLA report for India saved 6 hours productivity per month STP gap & extended terms review to reduce past dues under 180+ days Predictive analysis to reduce orders on hold and bad debts by 20% Internal Use - Confidential -- ACHIEVEMENTS • • • • • • Inspire award for developing partner profitability report and reduce for treasury in 2021 Dell champion award in 2014 and 2019 for top performer of the year amongst the team Bronze award in 2017 for EMC credit portfolio transition Bronze award in 2016 for educating sales and reducing rejection rate metrics Legend of the quarter award in 2013 On the spot award in FY14/FY15/Q2FY16/Q4FY16/ Q3FY17 and Q2FY19, for process improvements in AnZ/India region as well as for Managing Portfolio review and team metrics for India Region ACADEMIC QUALIFICATIONS • • PGDM (Finance) from Xavier Institute of Social Service with 80% score -) B. Com (Honours) from Delhi university with 75% score (2008 – 2011) PERSONAL DETAILS Date of Birth: 31/10/1990 Location - Bangalore Gender: Female Nationality: Indian Languages Known: English, Hindi, and Punjabi Internal Use - Confidential