Anish Kumar
Noida
Summary
- Over 7 years experienced in the banking industry as a Subject Matter Expert in Lending.
- Has domain expertise in Commercial & Corporate lending software like Lasersoft, LOS, Finacle, Flexcube, KRAMAN, CRM, DigiSign etc.
Overview
7
7
years of professional experience
Work History
Manager
HDFC Bank
05.2024 - Current
- Working in Infrastructure Finance Group.
- Credit underwriting of Working capital & Term Loan.
- Acquisition of new Corporate Clients and client servicing post onboarding.
- Portfolio Management including Housekeeping - Responsibility to maintain high portfolio income.
Senior Portfolio Manager - Mid Market
Aditya Birla Finance Ltd
09.2023 - 04.2024
- Managing end to end loan lifecycle like acquisition, disbursement, takeover, recovery, renewal etc.
- Managing healthy portfolio, relationship with existing customers, renewals and enhancements of the portfolio and managing the compliance part of the existing book (Portfolio size - 200 cr).
- Established valuable relationships within the financial community through networking efforts at industry events.
- Recovery of SMA O clients.
- Due-Diligence of clients.
Manager - MSME
Bank of Baroda
11.2022 - 08.2023
- Requirement gathering and understanding requirements of clients with multiple stakeholders, along with organizing and hosting highly effective meetings, engagements and interviews with mid and senior level management including business/vertical heads at Regional office.
- Activate new channels for business.
- Organised events and camps with the Industrial associations, Ministry of MSME and different MSME dept.
- New client acquisition and providing them with lending solutions to the tune of Rs 50 cr.
- Handling of 24 branches in South Delhi Region.
- Credit Underwriting of MSME loan.
Manager SME
Kotak Mahindra Bank Ltd
03.2019 - 11.2022
- Managed end to end loan lifecycle like acquisition, disbursement, takeover, recovery etc.
- Managing digital lending - fresh, renewal, enhancement and Ad-hoc for the client (Aadhaar based Digi Sign).
- Managing healthy portfolio, relationship with existing customers, renewal and enhancement of the portfolio and managing the compliance part of the existing book (Portfolio size - 150 cr).
- Also having a check on the legal and valuation of the property to protect the interests of the bank.
- Managing compliance of the case which are to be disbursed i.e checking of documents as per sanction letter and uploading all the documents in KRAMAN.
- Involvement of processing fees, valuation & legal charges debit request procedures.
Relationship Manager - SME
Axis Bank Ltd
10.2017 - 03.2019
- New client acquisition: Sourcing by team, References from existing clients, Branch leads with topline from Rs 10 cr to Rs 250 cr where exposure is upto Rs 10 cr.
- Financial assessment and credit appraisal of the proposal for Overdraft, Cash Credit, Term Loan, Dealer Funding and Cross-sell.
- Managing portfolio quality, relationship with existing customers, renewal of the portfolio and managing the compliance part of the existing book.
Education
Post Graduate Diploma - Banking Services
Manipal University
Bengaluru, India10.2017
MBA - Finance
Tilkamanjhi Bhagalpur University
07.2016
Skills
- Ability to Work in a Team
- Due-Diligence
- Analytical Skills
- Microsoft Excel
- Communication Skills
- Customer Relationship Management (CRM)
- Credit Underwriting
Languages
English
Hindi
Awards
- Secured 2nd position in disbursements Pan India for FY 2020-21 (Kotak Mahindra Bank Ltd).
- Secured 1st position in income generation (PF & other charges) in Delhi NCR for FY 2021-22 (Kotak Mahindra Bank Ltd).
- Secured 1st position in disbursements Pan India for FY 2022-23 till Nov 2022 (Kotak Mahindra Bank Ltd).
Extracurricular Activities
Won cricket tournament in school & college as a captain Hostel incharge in Manipal Academy of Banking Organized annual fest in MBA
Personal Information
Date of Birth: 07/14/91
Timeline
Manager
HDFC Bank
05.2024 - Current
Senior Portfolio Manager - Mid Market
Aditya Birla Finance Ltd
09.2023 - 04.2024
Manager - MSME
Bank of Baroda
11.2022 - 08.2023
Manager SME
Kotak Mahindra Bank Ltd
03.2019 - 11.2022
Relationship Manager - SME
Axis Bank Ltd
10.2017 - 03.2019
Post Graduate Diploma - Banking Services
Manipal University
MBA - Finance
Tilkamanjhi Bhagalpur University
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