Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Core Expertise
Generic
Sangeetha Kisna

Sangeetha Kisna

Shah Alam

Summary

Dynamic credit analyst and relationship management professional with nearly two decades of experience in the financial sector, specializing in credit underwriting, risk assessment, and tailored financing solutions for business banking clients, including government-backed and trade- related facilities. Expertise includes credit risk frameworks, evaluation, anti-money laundering compliance, and comprehensive risk variation assessments. A recent short course in Sustainable Expat Financing from the Frankfurt School of Finance & Management has strengthened skills in ESG risk analysis and environmental and social due diligence for credit portfolios. Recognized for exceptional communication abilities and a proven track record in cultivating relationships with SMEs, corporate entities, and development-linked institutions to achieve sustainable, risk-conscious financing outcomes while actively engaging in training and coaching at corporate and public events.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Freelance Trainer - Sustainable Business Practices

Self Employed
03.2025 - Current
  • Conducted training sessions for small business owners, educators, and beginners on business growth, sustainability, and practical skills.
  • Delivered workshops on:
    Sustainable Business Practices and Sustainable Financing
    AI in Supply Chain & Logistics
    AI Tools for Educators
    Dropshipping and Online Business
    Marketing and Finance for Non-Finance Backgrounds
    Business Paper and Credit Proposal Writing
  • Created simple learning materials, real-life examples, and hands-on exercises to help participants apply what they learned.
  • Focused on helping businesses grow while understanding new tools, finance basics, and sustainability concepts.

SENIOR MANAGER, CREDIT ANALYSIS

Maax Factor Sdn. Bhd.
03.2024 - 01.2025
  • Factoring Portfolio Assessment: Managed a portfolio of factoring clients by evaluating and overseeing factoring arrangements, ensuring timely financing while effectively mitigating credit risk.
  • Credit Proposal Structuring: Prepared and recommended factoring credit proposals tailored to clients' receivables, business models, and risk profiles.
  • Process Optimization: Improved internal processes to enhance service quality, operational efficiency, and compliance with regulatory standards.
  • Credit Variation Governance: Assisted in strengthening internal SOPs for credit variation assessments and approval documentation, ensuring alignment with the bank's risk governance frameworks.

CREDIT ANALYST

Citibank Berhad
06.2023 - 03.2024
  • Credit Proposal & Review: Prepared and reviewed credit proposals for new and annual renewals for clients with annual sales exceeding $10 million, ensuring accuracy and compliance with internal credit standards.
  • Business Collaboration: Worked closely with business units through joint client calls & site visits, advising on facility structuring to meet client requirements.
  • Risk Assessment & Mitigation: Identified and assessed credit risks, recommending effective mitigation strategies protecting bank's interests.
  • Risk-Based Reviews & Due Diligence: Conducted risk-based credit reviews using internal risk rating frameworks and CRMS tools; collaborated with risk and compliance units to perform due diligence on external counterparties.
  • ESG Integration: Incorporated sustainable financing principles by identifying ESG-related risks in credit evaluations, aligning with global best practices.

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.

ASST BRANCH MGR

Credit Guarantee Corp. Malaysia Bhd
08.2018 - 04.2022
  • Team Leadership & Credit Review: Led a team- reviewing and approving credit proposals; 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: 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 Ind. Development Finance
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.

Business Development Executive

Maybank Malaysia
02.2010 - 08.2012

Account Relationship Manager

RHB Bank Berhad
09.2007 - 02.2010

Education

Certification in Sustainable Financing -

Frankfurt School of Finance & Management
09-2025

Master of Business Administration - undefined

Northern University of Malaysia (UUM)
01.2017

Bachelor of Business Administration - undefined

University of Putra Malaysia
01.2006

Skills

  • Persuasive sales communication and negotiation
  • Proficient in financial statement evaluation
  • Business advisory services
  • Credit risk evaluation
  • Training & coaching
  • Creditworthiness evaluation
  • Strategic team guidance
  • Sustainable finance strategies

Accomplishments

  • Prepared & 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, and managed to enhance operational efficiency and ensuring alignment with credit risk management policies.
  • Expanded business networks & client relationships by conducting joint calls, site visits, and market engagement activities, resulting in increased client acquisition & stronger portfolio growth across SME and business banking segments.

Certification

  • Certified Trainer by HRD Corporation
  • Diploma in Sustainable Business by Alison
  • Artificial Intelligence for Supply Chains and Logistics by Alison
  • Small Business: The Business Plan by Alison
  • AI in the classroom by Canva Design School
  • Generative AI for Educators Certificate by RAISE Initiative

Timeline

Freelance Trainer - Sustainable Business Practices

Self Employed
03.2025 - Current

SENIOR MANAGER, CREDIT ANALYSIS

Maax Factor Sdn. Bhd.
03.2024 - 01.2025

CREDIT ANALYST

Citibank Berhad
06.2023 - 03.2024

CREDIT ANALYST

Goldbell Financial Services
04.2022 - 06.2023

ASST BRANCH MGR

Credit Guarantee Corp. Malaysia Bhd
08.2018 - 04.2022

ACCOUNT MANAGER

AmBank Group
10.2015 - 01.2018

ACCOUNT MANAGER

Malaysian Ind. Development Finance
09.2012 - 10.2015

Business Development Executive

Maybank Malaysia
02.2010 - 08.2012

Account Relationship Manager

RHB Bank Berhad
09.2007 - 02.2010

Master of Business Administration - undefined

Northern University of Malaysia (UUM)

Bachelor of Business Administration - undefined

University of Putra Malaysia

Certification in Sustainable Financing -

Frankfurt School of Finance & Management

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
Sangeetha Kisna