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Hi, I’m
KIRAN KUMAR M
Manager Credit Policy And Underwriting Vehicle Finance
No.23, 10th A Cross, 3rd B Main Road, Virat Nagar, Bommanahalli, Bangalore
Summary
Seeking a challenging career in growing in the areas of Banking / Finance organization, which provides ample opportunities to work to the best of my abilities towards the growth of the organization along with personal growth.
Overview
6
years of professional experience
8
years of post-secondary education
3
Languages
Work History
UJJIVAN SMALL FINANCE BANKBangalore
Manager Credit Policy
04.2022 - Current
Job overview
- Portfolio analysis and monitoring.
- Setting/Refining policy and process for new and existing products.
- Process automation and Digitization initiatives by inclusion of Risk based score card, Fraud detection tools, Id verification and LOS.
- Budgeting, source & Manpower Planning for Project.
- Vendor/Agency onboarding and management.
- Co-ordination with internal and external department of the organization.
- Training for credit and sales team to improve productivity, reduece FTNR and TAT.
Ujjivan Small Finance BankBangalore
Assistant Credit Manager
09.2019 - 03.2022
Job overview
- Product handled: - Two-wheeler, Small Commercial vehicle, Three-wheeler and Used car
- Review the documents and Underwriting and sanction of Vehicle loans
- Assessing customer Income and cash flow financial status through ratios
- Verify the bureau score and interrupt the bureau report for repayment and risk assessment
- Follow up with verification team, RCU, and agencies for various reports
- Conducting PD / TVR with the customer and reference over the phone and visiting physically
- Doing portfolio and monthly collection analysis on time with accurate data
- Training loan officers on error rate and clarify their doubts regarding policies
- Follow up of NS, FEMI and ED customer cases on daily basis over phone, for critical cases visiting customer house and collecting feedback and sharing learnings
- Monitoring PDD and RC limit of particular DSA/Dealer and Location.
TVS CREDIT SERVICES LTDBangalore
Senior Executive
09.2018 - 09.2019
Job overview
- Product handled: - Used Commercial Vehicle
- Underwriting of used commercial vehicle loan Analyzing the complete profile of the customer based on KYC, bureau, banking, ITR, Repayment track & supporting docs
- Disbursement of Used Commercial Vehicle files
- Maintaining daily login and disbursement MIS
- Providing credit policy training to Sales & educating about norms and process
- Handling RTO document’s and co-ordination with RTO agent and Sales team for quick document conversion.
- Monitoring and maintaining PDD MIS & payment release to customer/Dealer/Broker.
CHOLAMANDALAM INVESTMENT & FINANCE CO LTDBangalore
Deputy Credit Officer
08.2016 - 08.2018
Job overview
- Product handled: - Commercial Vehicle, Tractor, Construction Equipment, TW , New and Used car loan
- Analyzing the complete profile of the customer, check the credit eligibility, Underwriting & recommendation to the top level for approval
- Tele verification with customer, Broker & Reference Check
- CIBIL & Dedupe Check of customer to ascertain the credit worthiness
- Handling used vehicle's RTO document’s and Co-ordination with empaneled RTO agent
- Updating post disbursement documents in System
- Daily follow up of ED, NS and First EMI cases with customer, Collection and Sales
- Maintaining Day to day Credit MIS / CPV or FI TAT Sheet
- Dealer and Broker empanel activity in system and collecting necessary documents
- Giving adequate training to sales team regarding Credit operation policy.
Education
NMIMSBangalore
MBA from Banking And Financial Management
07.2022 - Current
L B A S & S B S C College, (Kuvempu University)Sagar, Karnataka
B.COM from Financial Accounting
06.2013 - 06.2016
KVNN PU CollegeJog Falls, Karnataka
PUC from Commerce
06.2011 - 05.2013
KVNN High SchoolJog Falls, Karnataka
SSLC
06.2008 - 03.2011
Skills
Positive attitude and perception with high Motivation levelAbility to independently correspond & communicate with all levels of management and staffAbility to organize prioritizes, execute & complete tasks within timelineAbility to handle & co-ordinate multiple tasks at the same timeGood at working efficiently in a group as well as an individualAbility to understand the situation and act accordingly
Technical Skill
Ms office (Ms Word, Ms Excel, Ms Power Point)Project management Skill
• Project/Program Management
• Transition Management
• Vendor Management
• Strategic planning & execution
• Audit/Escalations/Operations BAU’s/Regulatory Consultant
• Service Delivery/Agile/SCRUM/DevOps/Water fall model/ Backend Database & Configuration Management.
• Operation Management/ Operational Excellence
• Stakeholder Management/ Client Management
• Risk Management/ Risk Assessment/Audits
Interests
Agriculture & Farming
Travelling & Trekking
Timeline
NMIMS
MBA from Banking And Financial Management
07.2022 - Current
Manager Credit Policy
UJJIVAN SMALL FINANCE BANK
04.2022 - Current
Assistant Credit Manager
Ujjivan Small Finance Bank
09.2019 - 03.2022
Senior Executive
TVS CREDIT SERVICES LTD
09.2018 - 09.2019
Deputy Credit Officer
CHOLAMANDALAM INVESTMENT & FINANCE CO LTD
08.2016 - 08.2018
L B A S & S B S C College, (Kuvempu University)
B.COM from Financial Accounting
06.2013 - 06.2016
KVNN PU College
PUC from Commerce
06.2011 - 05.2013
KVNN High School
SSLC
06.2008 - 03.2011