D V ADITYA KUMAR
Bangalore
Summary
Accomplished professional with extensive experience in business development, process optimization, automation, and strategic planning. Expertise in project management, data analysis, and investment decision-making. Highly skilled in developing initiatives to streamline and standardize business operations. Seeking to leverage background to take the next career step with a respected organization that rewards talent, hard work, and results.
Overview
11
11
years of professional experience
1
1
Certification
Work History
ASSISTANT VICE PRESIDENT
HDFC BANK LTD
BANGALORE
06.2024 - Current
- Enhanced ability to assess risk by developing comprehensive understanding of financial statements.
- Compiled detailed credit reports, highlighting findings for loan approval or denial purposes.
- Assessed the viability of loan requests by analyzing financial information and utilizing forecasting models.
- Applied advanced risk assessment tools and techniques for improved accuracy in credit evaluations.
DIVISIONAL MANAGER
CANARA BANK
Bangalore
05.2023 - 05.2024
- Handled and Leading Credit portfolio in MSME, Corporate Advances, Supply Chain Financing and Non-Fund Based Lending for growth of bank's Asset book of Rs.50 crore and above of region and to achieve topline and profitability goals of Region
- Lead a team of 30 members in moderately complex initiatives and deliverables and contribute to large-scale planning related to Wealth Underwriting
- Review, analyze, and evaluate borrower financial data for moderately complex high-net-worth loans to determine credit
- Collaborate and consult with Wealth Underwriting peers, colleagues, and mid-level managers to resolve issues and achieve
- Provide input to assist leaders with credit risk management decisions to ensure satisfactory credit portfolio risk examinations
BRANCH HEAD, SR MANAGER- Very Large Branch
Canara Bank
Parvathipuram
09.2020 - 05.2023
- Senior Credit Underwriter performed Credit analysis of loans of Rs 160 crores, credit risk analysis, internal risk ratings, due diligence, business, and industry analysis as part of market risk, financial analysis of financial reports
- Headed team of 25 members and leading branch towards complete turnaround of branch in terms of business, revenue and customer satisfaction
MANAGER
CANARA BANK
BANGALORE
05.2019 - 09.2020
- Obtained and reviewed credit reports, Investigated and evaluated customers for creditworthiness and potential risk factors for corporate borrower having exposure of Rs.1000 crore above
MANAGER
Canara Bank
Mumbai
06.2017 - 05.2019
- Wrote and implemented standard operating procedures for credit personnel, Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility
- Investigated and evaluated customers for creditworthiness and potential risk factors for borrowers having credit exposure of Rs.25 crore and above
ASSISTANT MANAGER, CREDIT – Exceptionally Large Branch
CANARA BANK
Visakhapatnam
07.2013 - 06.2017
- Credit Underwriter in Fund Based lending and Consortium lending for borrowers having exposure of Rs.5 crore and above
- Credit Risk Monitoring of large advances Analysis of credit data, financial statements, business risks, management risks, future projections to determine degree of risk involved in extending loans
- Handled accounts, logistics and other customer-related issues for $ 10 Mn and above in yearly trade
Education
Certified Commercial Banking & Credit Analyst, Financial Modelling & Valuation Analyst -
Corporate Finance Institute - Vancouver, Canada
06.2024
Pursuing Certified Management Accountant US -
Miles Education Private Limited - HYDERABAD, INDIA
06.2024
Pursuing Cost & Management Accountant -
Institute of Chartered Accountants of India (ICAI) - VISAKHAPATNAM INDIA
06.2024
POST GRADUATE PROGRAM IN ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING - Artificial Intelligence And Machine Learning
GREAT LEARNING
BANGALORE06-2024
Graduate: Engineering Technology -
Jawaharlal Nehru Technological University - SRIKAKULAM INDIA
05.2011
Skills
- ASST VICE PRESIDENT – EMERGING CORPORATES GROUP
- Credit Underwriting
- Advanced Credit Risk Management
- Strong knowledge Credit Risk policies
- Project and Financial management skills
- Strong Interpersonal communication skills
- Good analytical and problem-solving skills
- Client handling skill
- Business strategy creation
- Cross-functional team leadership
- Data Analysis
Certification
- IIBF JAIIB
- CBCA (PURSUING), FMVA from CFI (PURSUING)
- CMA US (PURSUING)
- CERTIFIED CREDIT PROFESSIONAL
- SPECIALIZATION IN ESG FROM CFI
Professionaltimeline
DIVISIONAL MANAGER - CREDIT RISK SPECIALIST AND UNDERWRITER
Personal Information
Title: ASST VICE PRESIDENT
Affiliations
- Have a passion towards Badminton sport and like to be fit always which will boost the enery levels at all times.
Languages
English
First Language
Hindi
Proficient (C2)
C2
Telugu
Proficient (C2)
C2
Timeline
ASSISTANT VICE PRESIDENT
HDFC BANK LTD
06.2024 - Current
DIVISIONAL MANAGER
CANARA BANK
05.2023 - 05.2024
BRANCH HEAD, SR MANAGER- Very Large Branch
Canara Bank
09.2020 - 05.2023
MANAGER
CANARA BANK
05.2019 - 09.2020
MANAGER
Canara Bank
06.2017 - 05.2019
ASSISTANT MANAGER, CREDIT – Exceptionally Large Branch
CANARA BANK
07.2013 - 06.2017
Certified Commercial Banking & Credit Analyst, Financial Modelling & Valuation Analyst -
Corporate Finance Institute - Vancouver, Canada
Pursuing Certified Management Accountant US -
Miles Education Private Limited - HYDERABAD, INDIA
Pursuing Cost & Management Accountant -
Institute of Chartered Accountants of India (ICAI) - VISAKHAPATNAM INDIA
POST GRADUATE PROGRAM IN ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING - Artificial Intelligence And Machine Learning
GREAT LEARNING
Graduate: Engineering Technology -
Jawaharlal Nehru Technological University - SRIKAKULAM INDIA