Ghanshyam Kumar
Area Credit Manager (AVP)
Gurugram
Summary
Results-oriented professional with a strong background in diverse and challenging environments. Skilled at problem identification and developing tactical plans and operational procedures. Expertise in relationship management, business acumen, and leveraging technology for efficient solutions. Effective communicator and team player who excels at training, guiding, and motivating teams to maximize productivity. Consensus-building, negotiation, and interpersonal skills combined with analytical thinking and problem-solving abilities contribute to a proven track record of success. Experienced in initiating and executing projects that align technical needs with business realities.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Area Credit Manager
AU Small Finance Bank
12.2020 - Current
- Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring compliance with all applicable laws and regulations.
- Analyzed market data to identify new business opportunities within the region, contributing to increased market share and overall revenue growth.
- Contributed to company growth by developing innovative strategies for attracting new clients within target industries.
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
- Enhanced team productivity by providing regular training sessions on credit management topics.
- Monitored and adjusted credit limits as needed to manage risk exposure effectively.
- Optimized the collections process by identifying areas for improvement and implementing best practices accordingly.
- Managed a diverse portfolio of clients, maintaining low delinquency rates through proactive account management.
- Developed strong relationships with prospective clients to promote business growth and expansion.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Referred delinquent accounts to collections department or outside resources.
Regional Credit & Operations Manager
SelFin India Financial Services Pvt Ltd
04.2019 - 11.2020
- Hiring process of Financial Advisors
- Team handling of Financial advisors, team of 15 members
- Handling Credit and OPS team of Delhi and Jaipur
- Conducting trainings for Financial advisors and vendor employees
- Credit underwriting of small business loans
- Analysis of bounced cases on monthly basis
Credit Manager
Sharekhan BNP Paribas Financial Services Pvt Ltd
09.2018 - 03.2019
- (Company dropped their idea for lending business and sold its Loan vertical to new Investor named “SelFin India Financial Services Pvt Ltd”)
Branch Credit Manager
ICICI BANK LTD
06.2017 - 09.2018
- Undertake telephonic as well as physical discussion with customers for Loan Requirement
- Study the customer file to ensure it is complete with proper documents
- Review of CIBIL report of the Customers
- Responsible for calculating Loan eligibility on various statistical methods
- Review and recommending all cases including Salaried and Self employed customers
- Recommending Authority up to Rs
- 5 cr
- Sanctioning authority of all cases up to Rs
- 30 Lacs (both Salaried and Self employed profiles)
- Issuing Sanction Letter post approval of the loan
- Checking all disbursal related queries at the time of loan disbursal
- Hiring (Interview) of I-Process employees and conduct training for them
- Team Handling of I-process employees a group of 9 members
Credit Officer
Citibank NA.
06.2013 - 05.2017
- Team Leading of Credit Officers, a group of 8 members
- Team Handling of field assistants of a group of 9 members
- Responsible for accuracy for those files which are to be submitted and logged in
- Undertake telephonic as well as physical discussion with customer for Loan Requirement, Study the customer file to ensure it is complete with proper documents
- Responsible for calculating Loan eligibility on various statistical methods, get the same sanctioned
- Issuing Loan sanction letter post approval
- Prepare Loan agreement for customer sign
- Prepare the file for first and final review for Booking & Disbursement
- Prepare Valuers’ report cards on monthly basis
- Management and Coordination with Vendors (e.g
- Valuers, Lawyers, CPV vendors, CAB Vendors etc.)
- Recommending cases for Home Loans & LAP
Customer Service Executive and Team Leader
ARCIS E-Services Pvt. Ltd.
10.2011 - 05.2013
- Company Overview: (Formerly Known as AR Credit Information Services Pvt Ltd.) (Processing Vendor of CITIBANK N.A.)
- Team Leading of a group of 12 members
- Responsible for accuracy for those files which are to be submitted and logged in
- Undertake telephonic discussion with customer for Loan Requirement, Study the customer file to ensure it is complete with proper documents
- Checking the CLS & CIBIL of the Customers
- Initiation and co-ordination of CPVS, legals and valuations of the properties
- Responsible for calculating Loan eligibility on various statistical methods, get the same sanctioned
- Prepare Loan agreement for customer sign
- Prepare the file for first and final review for Booking & Disbursement
- (Formerly Known as AR Credit Information Services Pvt Ltd.) (Processing Vendor of CITIBANK N.A.)
Operations Officer
Standard Chartered Bank
07.2011 - 10.2011
- Reading & Checking Mortgage files for Proper documentation
- Completion of all initial stages of applicants on RFES (Regional Frontend System)
- Calculating Loan Eligibility on Various Statistical Methods
- Preparing Banking Turnover & Financial Analysis in Self Employed Cases
- Reviewing Files for 1st Cut Pendencies applicable to send to Credit Managers
- Issuing Sanction Letter after completion of all pendencies
Customer Service Executive
ARCIS E-Services Pvt. Ltd.
04.2008 - 07.2011
- Company Overview: (Formerly Known as AR Credit Information Services Pvt Ltd.) (Processing Vendor of CITIBANK N.A.)
- Responsible for accuracy for those files which are to be submitted and logged in
- Undertake telephonic discussion with customer for Loan Requirement, Study the customer file to ensure it is complete with proper documents
- Checking the CLS & CIBIL of the Customers
- Initiation and co-ordination of CPVS, legals and valuations of the properties
- Responsible for calculating Loan eligibility on various statistical methods, get the same sanctioned
- Prepare Loan agreement for customer sign
- Prepare the file for first and final review for Booking & Disbursement
- (Formerly Known as AR Credit Information Services Pvt Ltd.) (Processing Vendor of CITIBANK N.A.)
Customer Service Executive
AR Credit Information Services Pvt Ltd.
02.2007 - 03.2008
- Company Overview: (Processing Vendor of CITIBANK N.A.)
- Responsible for accuracy for those files which are to be submitted and logged in
- Checking the CLS & CIBIL of the Customers
- Initiation and co-ordination of CPVS, legals and valuations of the properties
- Responsible for calculating Loan eligibility on various statistical methods
- (Processing Vendor of CITIBANK N.A.)
Education
MBA - Finance
Symbiosis Centre for distance Learning
PuneB.com - Hons.
Patna University
PatnaIntermediate - Commerce
B.I.E.C.
PatnaMatriculation - undefined
B.S.E.B.
PatnaDiploma - Information Technology
Horizon Computer World
PatnaSkills
Underwriting of Home loan and LAP cases
Accomplishments
- Awarded in SelFin India Financial Services Pvt Ltd for managing cases (approval and disbursal) of Delhi, Panipat and Jaipur single handed and showing complete end to end ownership of the process.
- Caught a financial fraud case of Rs. 75 lakhs in Citibank and was rewarded for the same.
- First employee of Citibank's vendor (Arcis E Services Pvt Ltd) in India to join Citibank on role.
- Training of mortgage Loans underwriting process to Citibank employees (when I was working on a third party pay role : Arcis E Services Pvt Ltd).
- Vendors management : Citibank (e.g. Lawyers, Valuers, FI Agency etc).
- Participated in Home Power Protect (Property Insurance) Contest in Arcis E services Pvt Ltd and won a Sony Bravia LCD.
- Experience of credit underwriting of Home Loans & LAP for more than 10 years.
Technicalproficiency
Diploma in Information Technology from Horizon Computer World, Patna, 2005, 35 words/minute
Personal Information
- Place of Birth: Bihar
- Date of Birth: 01/25/88
- Marital Status: Married
- Religion: Hindu
Certification
NIBM - Credit Management Certification
Timeline
NIBM - Credit Management Certification
11-2022
Area Credit Manager
AU Small Finance Bank
12.2020 - Current
Regional Credit & Operations Manager
SelFin India Financial Services Pvt Ltd
04.2019 - 11.2020
Credit Manager
Sharekhan BNP Paribas Financial Services Pvt Ltd
09.2018 - 03.2019
Branch Credit Manager
ICICI BANK LTD
06.2017 - 09.2018
Credit Officer
Citibank NA.
06.2013 - 05.2017
Customer Service Executive and Team Leader
ARCIS E-Services Pvt. Ltd.
10.2011 - 05.2013
Operations Officer
Standard Chartered Bank
07.2011 - 10.2011
Customer Service Executive
ARCIS E-Services Pvt. Ltd.
04.2008 - 07.2011
Customer Service Executive
AR Credit Information Services Pvt Ltd.
02.2007 - 03.2008
MBA - Finance
Symbiosis Centre for distance Learning
B.com - Hons.
Patna University
Intermediate - Commerce
B.I.E.C.
Matriculation - undefined
B.S.E.B.
Diploma - Information Technology
Horizon Computer World
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