Chandan Kumar
Area Credit Manager
Supaul,BR
Summary
To render my services in a growing organization which provide me growth opportunities and to excel in my role and develop myself into an asset for the organization.
Overview
4
4
Certifications
14
14
years of professional experience
Work History
Area Credit Manager (B2C)
AXIS BANK LTD.
11.2023 - Current
- Oversee and manage credit risk within the area, ensuring adherence to the bank’s credit policies and guidelines.
- Evaluate and approve loan applications, ensuring that they meet the bank’s credit criteria and risk parameters.
- Monitor and manage the credit portfolio, including assessing credit quality, delinquency rates, and portfolio performance.
- Lead, mentor, and manage the credit team within the area, including setting goals, providing training, and ensuring high performance.
- Prepare and present reports on credit performance, risk exposure, and other relevant metrics to senior management.
- Stay informed about market trends and competitor practices to adapt and enhance the bank’s credit strategies and offerings
- Area: North Bihar & Jharkhand
- Grade: Senior Manager
- CAD: Up to 1 Cr
Credit Manager
HDFC BANK LTD.
07.2018 - 10.2023
- Assist in evaluating the creditworthiness of loan applicants by reviewing financial statements, credit histories, and other relevant documents.
- Support the loan approval process by preparing and reviewing credit reports, loan applications, and necessary documentation.
- Monitor existing credit accounts for signs of potential risk, including overdue payments or changes in financial condition.
- Ensure that all credit-related documents are accurate, complete, and properly filed in compliance with bank policies.
- Prepare and assist in generating reports on credit performance, loan status, and other relevant metrics for senior management review.
- Address and resolve customer inquiries and issues related to credit and loan services, ensuring a high level of service and satisfaction.
- Grade: Manager
- CAD: Up to 50 lacs
Branch Credit Manager
ICICI BANK LTD.
02.2012 - 02.2018
- Study the logged customer file and attached document in details and prepare recommendation in accordance to company's credit policy.
- Co-ordinating with Legal, Technical, FI and Risk Containment Unit agency for processing the file.
- To train and update the Credit Processing Agent and Junior Officers.
- Resolve legal issue and legal cases pertaining to sanction and disbursement process.
- Grade: DM II
- CAD: Up to 5 lacs
Education
Post Graduate Diploma - Banking
ICICI Manipal Academy
BangaloreClass 12th - undefined
CBSE Board
B A - undefined
PU University
Patna01-2010
Skills
Ability to analyze and evaluate the creditworthiness of individuals, using financial statements, credit reports, and market conditions to make informed lending decisions
Strong skills in managing and leading a team of credit officers or analysts, including setting goals, providing training, and ensuring high performance and adherence to policies
Accomplishments
- Started the new location of Agri finance in Gujrat like Himmatnager, Ider, Modasa.
- Started Agri Business in Uttar Pradesh ICICI bank.
- Started Micro finance funding in UP for ICICI Bank (Cashpor Micro Credit Project)
- Received Prestigious ICICI Bank Eagle Eye Award for 2016-2017.
Certification
Certificate Credit Skills for Banker – SME Lending from Moody Analytics
Interests
Listening Music, Reading Books, Playing games like Volleyball, Cricket
Internship
- Company: ICICI BANK LTD, Himmatnagar, Gujrat.
- Project: Finding the potential for Agri funding and understanding the scale and policy of Agri finance of other competitor.
- Duration: 12 Weeks
Timeline
Area Credit Manager (B2C)
AXIS BANK LTD.
11.2023 - Current
Credit Manager
HDFC BANK LTD.
07.2018 - 10.2023
Branch Credit Manager
ICICI BANK LTD.
02.2012 - 02.2018
B A - undefined
PU University
Class 12th - undefined
CBSE Board
Post Graduate Diploma - Banking
ICICI Manipal Academy