Chandan Kumar
Chennai
Summary
A Management graduate from IIFM having exposure in variety of sectors viz. Risk management, monitoring, portfolio management, relationship management etc. Worked with IndusInd bank in their wholesale banking division as a RM, managed wholesale FI exposure products such as Term loans, LTO along with BC and Co - lending partnerships. Currently working as a Senior Associate in risk monitoring function with Northern Arc capital, responsible for risk management across MFI and MEL partnerships.
Overview
3
3
years of professional experience
Work History
Senior Associate - Credit Risk and Monitoring
Northern Arc Capital
Chennai
01.2023 - Current
- Risk Management of BC and Co - lending partnerships in the domain of Microfinance, Vehicle finance and micro enterprise lending.
- Prepared limit note and risk recommendation for new onboarding and limit enhancement of existing partnerships.
- Primary risk analyst for Pragati finserv (Subsidiary of Northern Arc Capital), helped to scale the portfolio from ₹ 600 Cr. to ₹ 1300 Cr.
- Evaluated branch expansion requests for 300+ locations for Pragati and other active accounts, conducted field visits, and basis observations and inputs from all the stakeholders circulated recommendations to the Credit committee for final approvals, helped the Pragati branch network to grow from 186 to 262.
- Concluded discussions with Partner and Business team, understood the product and requirement, basis the discussion and our risk appetite provided policy and process feedback across various asset classes - Microfinance, MEL, Vehicle finance and Agri, for active and prospective partnerships.
- Circulated regular portfolio updates to Credit committee, concluded portfolio analysis and presented the updates to CRO and Unit risk head on a monthly basis.
- Completed the STP migration for multiple partnerships, conducted UAT testing for all the test case scenarios and conducted sampling on daily basis to ensure that BRE is working with an accuracy of 100%.
- Visited all allocated clients quarterly, interacted with the senior management as part of management visits, basis the portfolio performance visited branches and districts as part of field visits.
Relationship Manager - Commercial Banking Group
IndusInd Bank
New Delhi
01.2022 - 01.2023
- Managed wholesale lending relationships along with Co-lending and BC Partnerships in the domain of MFI, MEL and Gold loans.
- Worked with NBFCs and financial services companies to meet their credit requirement for business development of the bank.
- Proposal and report writing for new relationships and assessment reports of existing relationships.
- Actively participating in various offline events and digital media dialogues organized by partners such as IFC, NRLM, etc.
- Coordinating with various departments within the bank such as Credit, CAD, risk control unit, for business and portfolio quality.
Project Manager - YP
BRLPS
Bihar
07.2022 - 12.2022
- Worked as block head to implement the Startup village entrepreneurship program in Khagaria (Sadar Block).
- Participated in cross-functional teams responsible for developing innovative solutions for complex problems.
- Managed a team consisting of Community Resource Person – EP, Community Coordinators.
- Maintained effective coordination with the District project coordination unit, State project management unit and other stakeholders in the area.
Education
PGDFM (MBA) - Finance, Development Management
Indian Institute of Forest Management
Bhopal05-2021
BBA - Marketing
Ranchi University
Ranchi05-2018
Skills
- Portfolio management
- Risk management
- Operational risk management
- Field risk management
- Relationship management
- Stakeholder management
- Process and policy
- Credit policy
- BRE configuration and UAT
Timeline
Senior Associate - Credit Risk and Monitoring
Northern Arc Capital
01.2023 - Current
Project Manager - YP
BRLPS
07.2022 - 12.2022
Relationship Manager - Commercial Banking Group
IndusInd Bank
01.2022 - 01.2023
PGDFM (MBA) - Finance, Development Management
Indian Institute of Forest Management
BBA - Marketing
Ranchi University
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