CHANDAN KUMAR
Dhanbad
Summary
Result-oriented professional offering over 6.8 years of experience in Credit Management & Loan Operations Proficient in entire cycle of credit risk management process, delivering credit facilities on time-aimed at achieving customer satisfaction, driving customer retention by resolving queries, understanding customer requirements and providing customized solutions Hands-on experience in managing end-to-end BL/PL/SEP impressive success in end-to-end analysis & appraisal of credit proposals Expertise in developing & implementing risk management program, taking complete ownership of risk rating framework. Strong management skills, capable of leading & motivating individuals to maximize levels of productivity; motivating workforce for exceeding customer expectations in delivery of committed services
Overview
7
7
years of professional experience
Work History
Senior Deputy Manager in Credit and Operations
Cholamandalam Investment & Finance Company Ltd.
10.2023 - Current
- Operating as sanctioning authority and managing Personal Loan/Professional Loan/Business Loan – Sanctioning Authority amount of loan amount is from 1Lacs to 7.5Lacs as per Eligibility Comes.
- Working as an underwriter on PD and decisions; dealing in Zoho , Kuliza , Total KYC , Perfios,SCRM,Cibil-Transunion.
- Adherence to Policy and process.
- Achieving individual & branch goals; supporting the improvement of new business and retention of customers to achieve operational goals & key performance indicators while
- keeping in view the profitability
- Exploring business potential, opportunities & clientele to secure profitable business volumes by networking with prospective clients, generating business from existing accounts and achieving profitability & increased sales growth.
- Verifying Aadhar(Aadhar Should be Masked as per Norms), PAN card, Voter ID Card, Bank Statement, Banking Perfios-Transactions, Vintage Proofs Check- GST, GST T.O , ITR, Udyam Trade License,FSSAI License and others.
- Examining other financiers' statements and all loans EMI Validating with Bank Statements or taken Loan SOA If any Derogs in Cibil.
Senior Officer-Operations
Dvara KGFS Pvt. Ltd.
01.2023 - 10.2023
Senior Executive in Operations
Saija Finance Pvt Ltd.
09.2018 - 12.2022
- Company Overview: This company has merged on Dated 1st Jan’2023 with Dvara KGFS Pvt. Ltd.
- Operating as sanctioning authority and managing JLG/Enterprises Loan.
- Working as an underwriter on Assist,Omni.
- Adherence to Policy and process.
Education
MBA - Finance
06-2026
B.Com - Account honors
12.2017
Intermediate of commerce - undefined
12.2014
Matriculation - undefined
12.2012
Skills
- Client Relationship Management
- Credit Analysis
- Decision-Making
- Credit Risk Management
- Personal Discussion
- Field Investigation
- Repayment Track Analysis
- Portfolio Analysis
- Credit Management
- Windows
- Libra Office
- Microsoft Office
- Word
- Excel
- PowerPoint
Languages
English
Hindi
Personal Information
- Father's Name: Ajit Kumar
- Mother's Name: Sangeeta Devi
- Date of Birth: 1997-04-10
Key Result Areas
- Operating as sanctioning authority and managing Personal Loan/Professional Loan/Business Loan – Sanctioning Authority amount of loan amount is from 1Lacs to 7.5Lacs.
- Working as an underwriter on PD and decisions; dealing in Zoho, Kuliza, Total KYC, Perfios, SCRM, Cibil-Transunion.
- Adherence to Policy and process.
- Achieving individual & branch goals; supporting the improvement of new business and retention of customers to achieve operational goals & key performance indicators while keeping in view the profitability.
- Exploring business potential, opportunities & clientele to secure profitable business volumes by networking with prospective clients, generating business from existing accounts and achieving profitability & increased sales growth.
- Verifying Aadhar (Aadhar Should be Masked as per Norms), PAN card, Voter ID Card, Bank Statement, Banking Perfios-Transactions, Vintage Proofs Check- GST, GST T.O, ITR, Udyam Trade License, FSSAI License and others.
- Examining other financiers' statements and all loans EMI Validating with Bank Statements or taken Loan SOA If any Derogs in Cibil.
Mobile Numbers
- +91-7979832132
- +91-9122080836
Official Email
Chandankumarak@chola1.murugappa.com
Timeline
Senior Deputy Manager in Credit and Operations - Cholamandalam Investment & Finance Company Ltd.
10.2023 - Current
Senior Officer-Operations - Dvara KGFS Pvt. Ltd.
01.2023 - 10.2023
Senior Executive in Operations - Saija Finance Pvt Ltd.
09.2018 - 12.2022
Vinoba Bhave University - B.Com, Account honors
JAC - Intermediate of commerce,
JAC - Matriculation,
Vivekananda Global University - MBA, Finance
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