D Kumar
Nillakkottai
Summary
Dynamic Credit Analyst with proven expertise in credit risk assessment, portfolio management, and regulatory compliance. Adept at analyzing financial data to evaluate creditworthiness and mitigate risk exposure. Demonstrated leadership in guiding cross-functional teams, streamlining approval processes, and implementing strategic initiatives that enhanced loan growth while maintaining strong asset quality. Recognized for balancing analytical rigor with collaborative leadership, driving both operational efficiency and sustainable business expansion
Overview
2026
2026
years of professional experience
Work History
Deputy Manager (ACO) to Senior Manager (ACM)
Axis bank
2017 - Current
- Area Credit Manager (Now Handling Karur Area, Erode Area, Coimbatore Area & Kerala Region-Total 243 Branches
- Managed loan processing activities at Trichy, Salem, Now Karur loan Center.
- Approves / forwards financial eligibility of the proposal of B2C & B2B, MSME products
- Communication / followup with RM/ Customer/external agency for legal and technical query resolution.
- Check CIBIL rating and legal/ Technical documents to finalize sanction amount.
- Discuss the overall TAT during huddles with team and maintained the TAT
- Managed risk assessment processes to ensure compliance with regulations.
- SPOC Person- South 2 Region
Deputy Manager
Axis bank
Chidambaram (RM-FF-Sales)
2014 - 2016
- Developed business and marketed B2C & B2B MSME products, scouting and sourcing new customers to expand market reach.
- Cross-Sell bank's products to existing customers, enhancing client relationships and increasing overall sales.
- Conducted early bucket collections for overdue accounts.
Assistant Manager
Axis bank
Cuddalore (Gold Loan Officer)
2011 - 2013
- Served as a gold loan officer, assisting customers with loan applications.
- Perusing customer & completing documentation with customer and taking it forward for disbursal.
- Cross sell of banks other products to existing customer base.
Internal Auditor
Manapuram Finance
2007 - 2010
- Audited gold loan processes and branch operations, submitting findings to regional office.
- Conducted comprehensive internal audits to assess compliance with financial regulations.
- Prepared detailed audit reports and presented findings to senior management.
Education
MBA -
Annamalai University
Chidambaram01.2009
Skills
- Portfolio management
- Regulatory compliance
- Market analysis
- Financial forecasting
- Credit analysis
- Risk assessment
- Process optimization
- Strategic thinking
- Planning skills
- Team leadership
- Problem solving
- Accuracy
Accomplishments
- Platinum club in rural lending business.
- Cross sell award in regional level (Home loan, personal loan, Mortgage loan & accounts)
- Pan India Topper in insurance business.
Personal Information
- Date of Birth: 03/06/82
- Nationality: Indian
Languages
- Tamil
- English
Timeline
Deputy Manager (ACO) to Senior Manager (ACM)
Axis bank
2017 - Current
Deputy Manager
Axis bank
2014 - 2016
Assistant Manager
Axis bank
2011 - 2013
Internal Auditor
Manapuram Finance
2007 - 2010
MBA -
Annamalai University