Finacle
KIRAN KUMAR
AVP - AREA CREDIT MANAGER
Summary
Chartered Accountant with 7+ years of experience in Risk Assessment, Credit Management and Regulatory reporting with successfully led teams with a unifying vision across multiple channels and geographies. Looking for senior level assignments with an organization of high repute
Overview
9
9
years of professional experience
5
5
Languages
Work History
Area Credit Manager
RBL Bank Ltd
Bangalore
06.2022 - Current
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Developed strategies to expedite payments and customer resolutions.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Collaborated with management to evaluate credit strategies and develop improvements.
SENIOR MANAGER
ORIX LEASING AND FINANCIAL SERVICE INDIA LTD
Bangalore
09.2016 - 06.2022
- Capable of making credit decisions for loan approvals, declines or counteroffers by strictly adhering to guide set forth by risk policy
- Work closely with processing and closing teams to perform timely review of conditions submitted and requested loan amount changes as required
- Prepared complex formal written credit underwriting for secured credit facilities, including analysis of financial
- Statements, cash flows, forecast industry trends, collateral adequacy and risk analysis-ensuring compliance with policy and approval documents
- Performed due diligence, regulatory compliance, loan documentation, collateral perfection and audit preparation
- Thorough knowledge of Property Legal and Technical evaluation, vendor management
- Propose improvements in credit policy, documentation and other assigned areas to enhance efficiency, cost control and client service
- Periodic review of portfolio performance
- Prepare industry/sector/portfolio reviews, as and when required to do so by the Head of Credit Administration
- Independent Underwriting limits up to 100 Million and Recommended up to 300 Million
- Was instrumental and part of winning team, which built 70,000 Million in span of 36 months
- Have worked closely with cross-functional teams (Sales, Operations, Collections and recovery) for better coordination and desired results
- Key member of central regulatory reporting team ( Global Head Quarters reporting Form 2 & 3 for pan India)
- Financial assessments of equipment lease proposal up to 2500 Million
- Boosted team member productivity by enhancing performance monitoring and instituting motivational approaches.
CREDIT MANAGER
FULLERTON INDIA CREDIT COMPNAY LTD
Bangalore
11.2014 - 09.2016
- Oversee the entire lending process, including initial application review, verification of KYC documents &
- Financial Statement, preparation of CAM
- Met with the clients to understand the business setup , function and credit needs
- Analyze the Financials statements, obtain loan eligibility and recommended the same
- Approved credits up to 50 Million and Recommending up to 2500 Million
- Make frequent property visits to understand the collateral and its marketability
- Regular interaction with the Technical and Legal vendors to understand the collateral liquidity and its marketable title
- Attended CRISIL and CIBIL trainings on Risk Analysis
Education
Professional Degree -
ICAI Institute of Chartered Accountants of India (ICAI)
Bangalore 08.2010 - 2014.05
Bachelor of Commerce - Financial Accounting, Cost Management, Taxation
Sri Venkateshwara University
Tirupathi 06.2006 - 2009.05
Skills
Administrative tasks
Accomplishments
Recommended and implemented two new programs at the directorate that created NIL Delinquency with high performance across India.
Software
Mifin
LOS
Interests
Travelling & Hiking
Community Involvement
Learning Languages
Timeline
Area Credit Manager
RBL Bank Ltd
06.2022 - Current
SENIOR MANAGER
ORIX LEASING AND FINANCIAL SERVICE INDIA LTD
09.2016 - 06.2022
CREDIT MANAGER
FULLERTON INDIA CREDIT COMPNAY LTD
11.2014 - 09.2016
Professional Degree -
ICAI Institute of Chartered Accountants of India (ICAI)
08.2010 - 2014.05
Bachelor of Commerce - Financial Accounting, Cost Management, Taxation
Sri Venkateshwara University
06.2006 - 2009.05
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