Kanika Sharma

Senior Credit Specialist

Professional Overview

Kanika Sharma is a seasoned finance professional with over 6 years of experience in credit management, accounts receivable, and financial operations. As a Senior Credit Specialist at American Express, she leverages her expertise to ensure efficient credit management and collections processes, contributing to the company's financial stability and growth.

Experience Summary

Current Role

Senior Credit Specialist and Master Credit Specialist, American Express (2022 - Present)

• Responsible for managing a portfolio of high-value credit accounts, ensuring timely payments and minimizing delinquencies

• Developed and implemented data-driven strategies to optimize the credit approval and risk management processes

• Collaborated with cross-functional teams to enhance customer experience and drive process improvements

• Recognized as a subject matter expert, providing training and mentorship to junior team members

Career Progression

Account Manager, Encore Capital Group (2018 - 2022)

• Managed a diverse portfolio of delinquent accounts, negotiating payment plans and facilitating collections

• Maintained strong customer relationships and resolved complex disputes, achieving consistently high customer satisfaction scores

• Contributed to the development of data analytics tools to improve collections strategies and operational efficiency

AR Analyst, GENPACT (2017 - 2018)

• Analyzed accounts receivable data and generated reports to identify trends and support decision-making

• Collaborated with cross-functional teams to streamline invoicing and collections processes

• Demonstrated strong problem-solving skills and attention to detail in a fast-paced environment

Executive (Finance & Operations), M/S Smart Castle, Amritsar (2016 - 2017)

• Managed day-to-day financial operations, including invoicing, accounts payable, and cash flow management

• Played a key role in implementing financial controls and improving the company's overall financial health

Academic Background

• Master of Business Administration (MBA), Finance, Guru Nanak Dev University, Amritsar

• Bachelor of Commerce (B.Com), Guru Nanak Dev University, Amritsar

Areas of Expertise

• Credit risk assessment and management

• Accounts receivable and collections strategies

• Financial data analysis and reporting

• Process optimization and continuous improvement

• Cross-functional collaboration and stakeholder management

Professional Impact

• Consistently exceeded collections targets and reduced delinquency rates for high-value credit accounts

• Developed and implemented a data-driven credit approval process that improved the company's credit portfolio quality

• Recognized as a subject matter expert, contributing to the training and mentorship of junior team members

• Collaborated with IT teams to automate reporting and streamline data analysis, enhancing operational efficiency

Conclusion

With her strong financial acumen, problem-solving skills, and a customer-centric approach, Kanika Sharma is poised to continue making a significant impact in the credit management field. Her proven track record of delivering measurable results and driving process improvements positions her as a valuable asset to American Express and the broader financial services industry.