Summary
Overview
Work History
Education
Skills
Project management Skill
Interests
Timeline
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
KIRAN KUMAR M

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 BANK
Bangalore

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 Bank
Bangalore

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 LTD
Bangalore

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 LTD
Bangalore

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

NMIMS
Bangalore

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 College
Jog Falls, Karnataka

PUC from Commerce
06.2011 - 05.2013

KVNN High School
Jog Falls, Karnataka

SSLC
06.2008 - 03.2011

Skills

Positive attitude and perception with high Motivation levelundefined

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

Sports

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
KIRAN KUMAR MManager Credit Policy And Underwriting Vehicle Finance