Vinu: Manu, I’m currently working as a service officer where I handle both sales and operations. But honestly, I want to move into the credit department. Any idea how I can go about it?

Manu: That’s a great move, Vinu. Credit is more analytical and stable compared to sales or service roles. But the shift needs preparation. First, start by learning the basics of credit appraisal and financial analysis.

Vinu: Hmm... what exactly should I focus on learning?

Manu: Start with understanding financial statements — like Balance Sheets and Profit & Loss. Learn how term loans and working capital are assessed. Also, get familiar with common financial ratios, credit risk, and security documentation.

Vinu: Okay. Any particular way to learn all this?

Manu: Yes. You can look for internal training modules. But if you want to stand out, take up a structured course on credit and financial analysis. Certifications from recognized platforms or trainers will show you’re serious and ready.

Vinu: That makes sense. But what about internally? Should I talk to someone?

Manu: Absolutely. Talk to your branch manager or HR partner and express your interest. Also, try to connect with someone in the credit team — maybe offer to assist them with data or documentation on a file. It gives you exposure and builds goodwill.

Vinu: That’s a good idea. But will they even consider someone from service for credit?

Manu: Yes, especially if you're proactive. Many people make this shift internally. Show them that you're learning, and ask if there’s an opportunity to shadow or support the credit team. That’s often how people break in.

Vinu: What about interviews or internal selection?

Manu: Update your resume and be ready to explain why you want to switch. Emphasize your customer knowledge, your willingness to learn, and how you’ve already started upskilling. Also mention any course or certification you’ve taken.

Vinu: Thanks, Manu. This helps a lot. I’ll start learning and reach out internally.

Manu: Perfect. Stay consistent. A move into credit won’t happen overnight, but if you prepare well, it’s very much possible.

To learn more about Banking & Financial related topics
We invite you to join our Diamond Membership
Check - https://courses.carajaclasses.com/courses/Diamond-Membership-6305fad1e4b0cccc82d610be
For Special Discount on Diamond Membership 
Connect with us  - https://wa.me/919025100249?text=DLM