Sangeetha Kisna
Shah Alam
Summary
- Results-driven banking professional with extensive experience in credit underwriting, risk assessment, and SME relationship management. Skilled in evaluating creditworthiness, structuring financing solutions, and implementing risk mitigation strategies to safeguard the banks' interests while supporting business growth with proven ability to build and maintain strong client relationships, providing tailored financial solutions to SMEs and ensuring compliance with regulatory and credit policies. Experienced in presenting credit proposals to committees, negotiating terms, and collaborating with internal stakeholders to drive sustainable business financing.
- A strategic thinker with a deep understanding of SME banking, trade finance, and government-backed funding initiatives, committed to delivering value-driven financial solutions that balance business growth and risk management.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Senior Manager, Senior Credit Analysis
Maax Factor Sdn. Bhd.
04.2024 - 01.2025
- Factoring Portfolio Management: Manage a portfolio of factoring clients, optimizing trade finance utilization, while mitigating credit risk.
- Risk Assessment & Factoring Services: Evaluate and manage factoring arrangements, ensuring timely financing and minimizing credit risks.
- Credit Proposal Structuring: Prepare and recommend factoring credit proposals tailored to clients' receivables, business models, and risk profiles.
- Process Optimization: Enhance internal processes to improve service quality, operational efficiency, and regulatory compliance.
Credit Analyst
Citibank Berhad
06.2023 - 04.2024
- Credit Proposal & Review: Prepare and review credit proposals for new applications and annual renewals exceeding $10 million, ensuring accurate assessments, and compliance with internal standards.
- Business Unit Collaboration: Partner with business units on opportunities through joint calls and site visits, providing guidance on structuring facilities to meet client needs.
- Risk Identification and Mitigation: Identify and classify credit risks while implementing effective mitigation strategies to safeguard the bank's interests.
Credit Analyst
Goldbell Financial Services
04.2022 - 06.2023
- Credit Paper Evaluation & Recommendation: Assess and approve credit proposals by analyzing SMEs' financial health, business outlook, repayment capacity, and industry prospects in Singapore.
- Risk Mitigation & Control: Develop risk mitigation strategies and controls to address potential risks before credit approval.
- Coaching and Credit Review: Mentor junior team members in credit proposal writing, and review assessments for accuracy and quality.
- KYC/AML Compliance: Conduct and review KYC/CDD checks on clients, loan introducers, and counterparties, while training business units on regulatory compliance.
Assistant Branch Manager
Credit Guarantee Corporation Malaysia Berhad (CGC)
08.2018 - 04.2022
- Team Leadership & Credit Review: Led a team in reviewing and approving credit proposals within authority limits, while mentoring team members in proposal writing.
- Contract Financing & Cash Flow Structuring: Assisted in structuring contract financing proposals, developing cash flow models, and ensuring accurate disbursement planning.
- Business Development & Networking: Planned marketing activities, built business relationships, and expanded opportunities by collaborating with financial institutions, contract awarders, and industry stakeholders.
- SME Engagement & Market Outreach: Engaged with SMEs, GLCs, and MNCs through talks, webinars, and workshops to promote financial literacy and business growth.
- Industry Representation & Public Speaking: Served as a speaker at industry events, strengthening CGC’s network with MNCs, GLCs, and private entities.
- Client Advisory & Proposal Guidance: Advised clients on credit proposals, financial structuring, cash flow management, and compliance with credit risk guidelines.
Account Manager
AmBank Group
10.2015 - 01.2018
- Client Relationship Management: Built and maintained strong relationships with SME and Business Banking clients, ensuring customer satisfaction, and long-term partnerships.
- Credit Rating Analysis: Assessed SME and business banking credit ratings to evaluate loan eligibility and ensure compliance with financing criteria.
- Credit Proposal Preparation: Conducted qualitative credit assessments, and prepared comprehensive proposals to support informed loan approval decisions.
Account Manager
Malaysian Industrial Development Finance/ Northern Region
09.2012 - 10.2015
- Client Relationship Management: Managed and involved in credit paper underwriting and evaluation of government funding and grants for companies in Malaysia’s Northern Region, ensuring effective financial support.
- Credit Proposal & Presentation: Conducted client needs analysis, structured funding solutions, and presented credit proposals to the Credit Committee, ensuring alignment with risk criteria for efficient decision-making.
- Client Engagement and Awareness: Represented the Development Finance Unit, educating businesses on funding opportunities and government financial initiatives to support growth.
Education
Certified Sustainability Financing -
Frankfurt School of Finance And Management
04.2025
Master of Business Administration (MBA) -
Northern University of Malaysia (UUM)
01.2017
Bachelor of Business Administration (BPP) -
University of Putra Malaysia
01.2006
Skills
- Credit Proposal Preparation
- Financial Statement Analysis
- Portfolio Management
- Business Advisory and Development
- Credit Risk Assessment and Mitigation
- Training and coaching for sales and credit teams
- Credit analysis
- Risk assessment
- Team leadership
Accomplishments
- Prepared and recommended high-value credit proposals, including evaluations for business banking customers, ensuring risk mitigation and compliance with underwriting guidelines, contributing to credit decisions.
- Led and coached teams in preparing credit proposals, conducting KYC/AML checks, and implementing workflows, enhancing operational efficiency and ensuring alignment with credit risk management policies.
- Expanded business networks and client relationships by conducting joint calls, site visits, and market engagement activities, resulting in increased client acquisition and stronger portfolio growth across SME and business banking segments.
Core Expertise
- Credit Proposal Preparation
- Financial Statement Analysis
- Portfolio Management
- Business Advisory & Development
- Credit Risk Assessment & Mitigation
- Training and Coaching for Sales and Credit Teams
Certification
- Key expertise: credit proposal preparation for business banking, sustainable financing, and relationship manager coaching
Languages
French
First Language
EARLY PART OF CAREER
Business Development Executive
Maybank Malaysia
Feb 2010 - Aug 2012
Account Relationship Manager
RHB Bank Berhad
Sep 2007 - Feb 2010
Timeline
Senior Manager, Senior Credit Analysis
Maax Factor Sdn. Bhd.
04.2024 - 01.2025
Credit Analyst
Citibank Berhad
06.2023 - 04.2024
Credit Analyst
Goldbell Financial Services
04.2022 - 06.2023
Assistant Branch Manager
Credit Guarantee Corporation Malaysia Berhad (CGC)
08.2018 - 04.2022
Account Manager
AmBank Group
10.2015 - 01.2018
Account Manager
Malaysian Industrial Development Finance/ Northern Region
09.2012 - 10.2015
Certified Sustainability Financing -
Frankfurt School of Finance And Management
Master of Business Administration (MBA) -
Northern University of Malaysia (UUM)
Bachelor of Business Administration (BPP) -
University of Putra Malaysia
Similar Profiles
GAUTHAMT VELAYUDAMGAUTHAMT VELAYUDAM
OPERATION EXECUTIVE at AGENSI SRI BINTANG SDN BHD, SB LOGISTICS SDN BHD, KAMI GLOBAL VENTURE SDN BHDOPERATION EXECUTIVE at AGENSI SRI BINTANG SDN BHD, SB LOGISTICS SDN BHD, KAMI GLOBAL VENTURE SDN BHD
Aileen Sue Ping LeeAileen Sue Ping Lee
Regional Service Manager at SIEMENS MALAYSIA SDN BHD/SIEMENS ENERGY SDN BHDRegional Service Manager at SIEMENS MALAYSIA SDN BHD/SIEMENS ENERGY SDN BHD
Tan Jeng BangTan Jeng Bang
Auditor (Full-Time) at Global Professional Solutions Sdn Bhd (Zhonghui Anda (KL) Sdn Bhd)Auditor (Full-Time) at Global Professional Solutions Sdn Bhd (Zhonghui Anda (KL) Sdn Bhd)