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 - 05.2014
Bachelor of Commerce - Financial Accounting, Cost Management, Taxation
Sri Venkateshwara University
Tirupathi 06.2006 - 05.2009
Skills
Administrative tasks
Presentations
Initiative
Research
Scheduling
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 - 05.2014
Bachelor of Commerce - Financial Accounting, Cost Management, Taxation
Sri Venkateshwara University
06.2006 - 05.2009