Credit analysis
Avinash Kumar
Branch Operation Manger And Credit Officer
Ranchi
Summary
Results-driven professional with operational credit analyst experienced in financial statement review, analysis and reporting. Well-versed in producing reports, evaluating branch operations and handling month and year-end closings. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. I along with my team registered a staggering growth of more than 200% in Gold loan portfolio, almost doubled the CASA segment when i posted to Bhuj location in May 2021. Willingness to take on added responsibilities to meet team goals. Awarded many times for the performance and log-in campaign. I have been recognized by our MD and Head office team with special mention of BOUNDARYLESS and SPEED approach (Core Values) of discharging the roles and responsibilities delegated in 2022. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
8
8
years of professional experience
3
3
years of post-secondary education
2
2
Certificates
2
2
Languages
Work History
Bank Operations Manager and Credit Analysis
The South Indian Bank Ltd
Bhuj
11.2017 - Current
- Communicated with Branch Operations Manager to inform of quality control checks and findings.
- Oversaw branch operations and workflow for consistency.
- Assisted clients with issues or requests and mentored employees on customer service techniques.
- Assisted with daily cash and ATM balancing.
- Recommended new procedures to boost consistency and customer experiences.
- Monitored performance and completed performance appraisals for reports.
- Conducted cash and key audits for controls and compliance.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Conducted financial due diligence on potential investments and acquisitions.
- Collaborated with top executives and stakeholders to develop long-term financial plans.
- Developed strategic plans for day-to-day financial operations.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Developed and implemented strategies for top-tier customer service.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
Admissions Counselor
Sagar Group of Institutions
Bhopal
06.2016 - 08.2017
- Assessed student interests and skills and provided strategic information about pursuing suitable courses.
- Reviewed admissions applications and evaluated student credentials.
- Oversaw career and job fairs to connect with students who want to pursue higher education.
- Educated students on college admissions process and scholarship requirements.
- Developed and implemented specific student admission projects and completed routine reports pertaining to admission.
- Conducted quiz session in school and coaching centres to promote institution's interest and generate contact details for admission.
- Explained institution's fee structure, amenities, courses offered and facilities to prospective students and parents.
- Assessed student's abilities and recommended degree programs to highlight strengths.
- Delivered supportive and knowledgeable counseling to students with academic or personal concerns.
- Identified and addressed concerns of incoming students and parents.
- Advised students on educational, career and social opportunities
Summer Research Intern
Tata Institute of Social Sciences
Ranchi
06.2015 - 07.2015
- Project Title "Scope and Purpose of NUSSD project in Jharkhand, with special emphasis on Ranchi- A micro level case study"
- Aim of internship is to find the skill gap between university course and industry skill demand.
- Attended meetings and presentations to learn project details.
- Conducted detailed interview with 240 students and more than 24 business person, politician and bureaucracy and compiled observations.
- Completed research, compiled data, updated spreadsheets, and produced timely reports.
- Gathered, arranged, and corrected research data to create representative graphs and charts highlighting results for presentations.
Education
BBA - Marketing Management And Research
St Xavier College Ranchi
Ranchi 07.2013 - 05.2016
Skills
Teamwork and Collaboration
undefinedAccomplishments
- Collaborated with team product development of Mobile Banking Application(SIB Mirror Plus), DIYA Account opening process, and account opening process through SWIFTe application based on mobile phone.
- Qualified for many training programme upon achievement of Life Insurance target successfully in FY 18-19 and FY 19-20.
- Qualified in digital activation campaign (SIB Mobile Banking App Mirror Plus) in FY 2021-22.
- Qualified in APY/NPS Campaign in Q3 FY 2021-22.
- Qualified for Gold Rush campaign (for Gold Loan Disbursement) for two times in FY 2022-23.
- Qualified in Health Insurance log-in campaign in Q2 FY 2022-23.
- Supervised team of 6 staff members to maintain and manage branch operations customer service with efficiency.
- Successfully managed to maintain synergy, cohesiveness and jointness amount branch staffs and department.
Certification
NiSM Series V-A Mutual Fund Distributors Certification Examination, conducted by Association of Mutual Funds in India for the period of 23 May, 2022 to 26 March, 2025
Interests
Retail Banking
Forex operations
Timeline
Certified to act Specified Persons for SIB exams conducted by Insurance Institute of India, under the guidance of IRDAI.
08-2022
NiSM Series V-A Mutual Fund Distributors Certification Examination, conducted by Association of Mutual Funds in India for the period of 23 May, 2022 to 26 March, 2025
05-2022
Bank Operations Manager and Credit Analysis
The South Indian Bank Ltd
11.2017 - Current
Admissions Counselor
Sagar Group of Institutions
06.2016 - 08.2017
Summer Research Intern
Tata Institute of Social Sciences
06.2015 - 07.2015
BBA - Marketing Management And Research
St Xavier College Ranchi
07.2013 - 05.2016
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