Amit Kumar
Area Credit Manager
Delhi
Summary
Result-oriented Credit & Risk Management professional with 9+ years of experience in Microfinance, NBFC, and Housing Finance. Proven expertise in credit appraisal, portfolio management, fraud detection, risk evaluation, team leadership, branch audits, and compliance. Demonstrated ability to optimize processes, reduce NPAs, enhance team productivity, and ensure high-quality credit decisions. Analytical, innovative, and adept at managing multi-state credit operations.
Overview
10
10
years of professional experience
1
1
Language
Work History
AREA CREDIT MANAGER (CREDIT)
Hinduja Housing Finance
09.2024 - Current
- Handle credit team of 5 branch in delhi.
- Preparing credit evaluation reports evaluating risk in borrower, transaction and underlying security and making recommendations
- Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts
- Working on new credit monitoring measures and credit triggers and their tracking.
- Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client.
- Meeting clients at regular intervals and making detailed visit reports for further information on the clients
- Supervising and ensuring quick recovery of credit reports and proper maintenance of credit files to avoid any operational risks
AREA CREDIT MANAGER (CREDIT)
Shubham Housing Development Finance Co Ltd
11.2023 - 09.2024
- Handle Credit Team Of 9 Branch Delhi North.
- Continually Interact with Customers Through Personal Discussions and Budget Analysis and Do the Assessment as Per the Organizations Guidelines.
- To Ensure All PDD And OTC Are Closed within Defined Timelines as Per the Defined SLAs & TATs of Organization.
- Prepare Precise MIS And Published Time to Time According to Defined Timelines or Whenever Required.
- To Unsure All Deposition of Collected Fee by The Respective Branches Within Defined Timelines.
- To Improve the Productivity for Credit Resource in Terms of Number of Files Processed.
- Maximize PA FTR For All Branches.
- Ensure Effective Teamwork and Maintaining CM Teams Across His/her Region.
- Create And Implement a Training Roadmap for The Team Including Induction from Time to Time
- Ensuring Team’s Adherence to Policies and Corporate Governance Standards.
- Analyzing and Maintaining the Performance of The Team Members on Daily Weekly and Monthly Basis.
AREA CREDIT MANAGER (CREDIT)
CDL FINSERV PRIVATE LIMITED
05.2022 - 11.2023
- Handle Credit Team of Two State.
- Maintain the Corporate Credit Policy and Recommend Changes in the Credit Policy to Senior Management
- Perform Credit Investigations and Evaluation of Credit in Risk in Order to Approve New Customer Accounts and Credit Limit.
- Develop a Productive Team Hiring, Training and Providing Professional Development
- Doing PD at Office Premises and Residence Premises
- Analyzing Customer Profile During PD
- Recommendation and Making Proposal for High Ticket Size Cases.
- Handling Team and Ensure Branch Adhering Policy
- Visiting on Branch NPA Cases and Managing Branch Business Portfolio.
- Handling Audit Queries of Branch.
REGIONAL CREDIT MANAGER (CREDIT)
SEEDS FINCAP PRIVATE LIMITED
01.2021 - 03.2022
- Handle credit team of two States.
- Maintain the corporate credit policy and Recommend changes in the credit policy to senior management.
- Suggest processes that can help the cost optimization of credit department.
- Adherence to policies and regulatory compliances.
- Accelerate the decision-making process, and/or improve the quality and consistency of credit decisions being made.
- Evaluating the credit worthiness of potential customer’s.
- Monitoring loan payments and bad debts.
- Clear report to top managers on a timely manner.
STATE CREDIT MANAGER (CREDIT)
SATYA MICROCAPITAL LIMITED
09.2017 - 10.2020
- Handle credit team of a state.
- Responsible for attending credit appraisal between amounts from 50K to 3L.
- Approving & rejecting loans based on available data.
- Reviewing and updating the company credit policy.
- Evaluating the credit worthiness of potential customer’s.
- Monitoring loan payments and bad debts.
- Clear report to top managers on a timely manner.
ASSISTANT MANAGER (Internal Audit)
SATIN CREDIT CARE NETWORK LTD.
12.2015 - 09.2017
- I have to do the audit of 12 -14 branches and checked all the documents of branch.
- To support staff in field for minimize the overdue.
- To catch the frauds made by the employees.
- After audit we must make the report of every branch which is allotted to us.
Education
PGDM - Finance & Marketing (Dual Specialization)
JIMS
New Delhi01.2014
B.COM - undefined
School of open learning
01.2011
Diploma - Computer accountancy
ICA
01.2011
XII - undefined
Govt boys ser. Sec school
Delhi01.2008
X - undefined
Govt boys ser. Sec school
Delhi01.2006
Skills
Analytical, Cool-headed, Willing to learn
Interests
Playing cricket
EXTRA-CURRICULAR ACTIVITIES
I have taken part in STOCKMIND GAME conducted by ICICI Bank. I have taken part in college fests & events in student management committee. One week certification course at MDIS, Singapore
DECLARATION
I hereby declare that all the details given above are true the best of my knowledge and belief. Place: New Delhi Date: Yours Sincerely (Amit Kumar)
SPECIALIZATION OPTED
Finance & Marketing (Dual Specialization)
Timeline
AREA CREDIT MANAGER (CREDIT)
Hinduja Housing Finance
09.2024 - Current
AREA CREDIT MANAGER (CREDIT)
Shubham Housing Development Finance Co Ltd
11.2023 - 09.2024
AREA CREDIT MANAGER (CREDIT)
CDL FINSERV PRIVATE LIMITED
05.2022 - 11.2023
REGIONAL CREDIT MANAGER (CREDIT)
SEEDS FINCAP PRIVATE LIMITED
01.2021 - 03.2022
STATE CREDIT MANAGER (CREDIT)
SATYA MICROCAPITAL LIMITED
09.2017 - 10.2020
ASSISTANT MANAGER (Internal Audit)
SATIN CREDIT CARE NETWORK LTD.
12.2015 - 09.2017
PGDM - Finance & Marketing (Dual Specialization)
JIMS
B.COM - undefined
School of open learning
Diploma - Computer accountancy
ICA
XII - undefined
Govt boys ser. Sec school
X - undefined
Govt boys ser. Sec school