CHANDAN KUMAR
Credit Underwriting And Operation
Begampur Bahri, Sidhe Bazar, Patna City
Summary
- Overall 12y experience in banking and finance.
- Result oriented professional experience in Banking & Financial in Credit & Operation.
- Willing to work in a competitive working environment by accepting challenges of the new technology.
- Excellent logical approach towards problem solving.
- Possess exceptional team spirit helping in easy achievement of the organizational & personal goals.
- Result-focused, quality-driven professional with extensive experience of banking management, demonstrating consistent achievement of objectives, strong multi-tasking and service skills, and dedication to organizational goals.
- Advanced presentation and relationship development abilities, with track record of success to ensure profit turnarounds.
Overview
17
17
years of professional experience
1
1
Language
Work History
Senior Area Manager - B2C Underwriting
BAJAJ FINANCE LTD
02.2023 - Current
- Boosted team performance by implementing effective communication and collaboration strategies.
- Recognized and rewarded performance to motivate continued success.
- Led regional sales meetings to discuss progress, evaluate strategies, set goals collectively, increasing motivation levels significantly.
- Managed multi-unit operations to develop teams and optimize workflows for maximum business results.
- Tracked KPIs against benchmarking, market trends and competitor activities to develop strategic improvement plans.
- Ensured adherence to company policies and regulatory standards across all teams operating under my supervision.
- Defined clear targets and objectives and communicated to other team members.
- Drove continuous process improvements by analyzing performance metrics regularly and implementing necessary changes proactively.
Area Manager - Credit Operations
BAJAJ FINANCE LTD
01.2022 - 01.2023
- Developed strong relationships with clients, leading to increased customer satisfaction and repeat business.
- Improved overall efficiency by identifying areas in need of improvement and implementing necessary changes.
- Coordinated with various departments to facilitate smooth communication, enhancing operational effectiveness.
- Led a team to achieve company goals and exceed targets consistently, fostering a positive work environment.
- Conducted regular performance evaluations to identify areas for improvement and develop action plans for growth.
- Increased team productivity by streamlining processes and implementing more efficient systems.
Manager - Credit Operations
BAJAJ FINANCE LTD
05.2019 - 01.2022
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maximized performance by monitoring daily activities and mentoring team members.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
Assistant Manager - Credit Operations
BAJAJ FINANCE LTD
11.2017 - 04.2019
- Collaborated with sales teams to establish credit limits that balanced risk exposure with business growth opportunities.
- Improved credit approval process by implementing streamlined procedures and utilizing risk analysis tools.
- Managed a diverse portfolio of accounts, maintaining accurate records and ensuring timely collections activities were undertaken.
- Analyzed industry trends to identify potential market risks and make informed recommendations for adjusting credit strategies accordingly.
- Optimized credit application processing times, leading to increased customer satisfaction and faster revenue recognition.
Executive-Credit & Operation, Consumer Credit
BAJAJ FINANCE LTD
08.2016 - 10.2017
- Handling Credit operation from Login to Disbursement of Personal Loan
- To handle with underwriting/Risk process
- Customer visit for personal discussion.
- Handling Credit and Operational issues.
- Monitoring vendors Like Field Investigating agencies and maintaining TAT.
- Preparing MIS reports on daily basis and Weekly review reports.
- Assisting customers with queries, requests & complaints.
- Analysis of trends & concentration relating to Operational Risk cases.
- Assist Product are Personal Loans and Consumer Loan.
Credit Processing Associate
DHFL SALES & SERVICES LTD
10.2014 - 07.2016
- Assist Product are Home loan.
- Check file & Profile of customer to make loan.
- The appraising, processing and Credit underwriting of loan proposal.
- Checking the files and resolving the pendency’s.
- Make the loan as the as per analysis of the concern file.
- Take decisions based on available information & interactions with the applicants.
- To handle Sanction & disbursement of Home loan.
- Analysis of trends & concentration relating to Credit & Operational Risk cases.
- Understand credit policy as well as credit environment in the city / branch.
- Assist in Credit & Operational Risk Management framework related issues which include maintenance & monitoring of Risk Registers, Key Risk Indicators and Internal Control Framework.
- Maintaining daily MIS and Monthly MIS.
- Taking care of audit queries and maintaining good audit score.
- Ensure vendors management for CPV, Legal & Valuation and Maintain the TAT with the service providers.
- Performing file post sanction loan processing of Home Loan, checking correctness of documentation and disbursement & KYC compliance, MIS creation & maintenance, PDD updating, Repayment instrument & File movement, solving customer queries pertaining to documentation etc.
- Inter- departmental coordination with the internal departments on a daily basis to ascertain smooth flow of business operations, particularly with Credit Managers for approval of deals, sales team to keep document requirements updated and verification team to maintain operations within TAT.
Operation Executive
AXIS SECURITIES (A 100 % SUBSIDARY OF AXIS BANK)
09.2013 - 10.2014
- Check file & Profile of customer to make loan.
- Analysis of trends & concentration relating to Operational Risk cases.
- Assist in Operational Risk Management framework related issues which include maintenance & monitoring of Risk Registers, Key Risk Indicators and Internal Control Framework.
- Assist Product are Home loan, LAP, Auto loan & Personal Loan.
- Checking the files and resolving the pendency’s.
- Make the loan as the as per analysis of the concern file.
- Maintaining daily MIS and Monthly MIS.
- Working on Finacle.
- Taking care of audit queries and maintaining good audit score.
- To handle disbursement of Home loan, Lap, Auto loan and Personal loan.
- Auto loan PDD tracking such as Invoice, RC copy.
- Performing file post sanction loan processing of personal loan, Auto loan, Mortgage Loan, checking correctness of documentation and disbursement & KYC compliance, MIS creation & maintenance, PDD updating, Repayment instrument & File movement, solving customer queries pertaining to documentation etc.
Audit Assistant
R N SINGH & CO. CHARTERED ACCOUNTANTS
08.2008 - 02.2011
- Internal Audit: in Bihar State Co-operative Bank, Patna
- Internal Audit: in BSNL, Hajipur
- Transaction Audit: in ICICI Bank, Patna
- Stock & Operational Audit: TATA Indicom (TVS COCO)
- Stock Verification: Airtel SIM Warehouse
- Stock Verification: Airtel Marketing Warehouse
Education
B.com (A/C. Hon’s) -
Patna University
01.2008
C.A (CPT, ICAI) - undefined
01.2007
+2 Commerce - undefined
B.I.E.C
01.2005
Secondary School Examination - undefined
B.S.E.B
01.2003
Skills
Finacle, LMS, LOS, Finnone
Accomplishments
- Bajaj finance ltd recognized for prestigious Executive club award in Oct 2025
- Bajaj finance ltd awarded 2 times for heroes award in Jan 2023 & Aug 2020. Kudos in Jul 2018 and Hero of the moment in 2017.
CORE KNOWLEDGE AND SKILL AREA
- Client Relationships
- Strategizing/Planning
- Negotiation Skill
- Interpersonal, Communication Skill
- Operations
- Credit
- Risk/Loss Management
ACKNOWLEDGEMENT
I hereby declare that all the information furnished above is true to the best of my knowledge.
Dated: 2025-12-20
Place: Patna
(Chandan Kumar)
Timeline
Senior Area Manager - B2C Underwriting
BAJAJ FINANCE LTD
02.2023 - Current
Area Manager - Credit Operations
BAJAJ FINANCE LTD
01.2022 - 01.2023
Manager - Credit Operations
BAJAJ FINANCE LTD
05.2019 - 01.2022
Assistant Manager - Credit Operations
BAJAJ FINANCE LTD
11.2017 - 04.2019
Executive-Credit & Operation, Consumer Credit
BAJAJ FINANCE LTD
08.2016 - 10.2017
Credit Processing Associate
DHFL SALES & SERVICES LTD
10.2014 - 07.2016
Operation Executive
AXIS SECURITIES (A 100 % SUBSIDARY OF AXIS BANK)
09.2013 - 10.2014
Audit Assistant
R N SINGH & CO. CHARTERED ACCOUNTANTS
08.2008 - 02.2011
C.A (CPT, ICAI) - undefined
+2 Commerce - undefined
B.I.E.C
Secondary School Examination - undefined
B.S.E.B
B.com (A/C. Hon’s) -
Patna University