Summary
Overview
Work History
Education
Skills
Certification
References
Work Availability
Quote
Timeline
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Kumar Gaurav

Kumar Gaurav

Credit Professional
Mumbai

Summary

Professional Summary

Results-oriented Credit and Risk Professional with over 15 years of experience in Consumer Banking, specializing in Personal Loans, Auto Loan and Unsecured Loans. Proven track record in policy management, credit appraisal, risk assessment, and compliance. Adept at analyzing financial statements, developing credit policies, and driving portfolio performance. Seeking a challenging role to contribute to the inorganic growth of a Consumer Loan business through partnerships.

Overview

15
15
years of professional experience
6
6
years of post-secondary education
5
5
Certifications

Work History

Asset Manager

IDBI Bank
Mumbai
07.2014 - Current
  • • Mentored and trained a team of loan officers, ensuring accurate and efficient underwriting and loan processing resulted in reduction of TAT by 20%
    • Prepared and analyzed financial performance, credit reports, and other relevant data to accurately assess the level of credit risk associated with potential borrowers, resulting in informed lending decisions and a 5% decrease in non-performing loans
    • Monitored loan portfolios exceeding 1000+ crore, promptly identifying and addressing potential credit issues, leading to a 10% decrease in delinquency rates and improved overall portfolio quality
    • Reviewed policies and recommended adjustments based on industry dynamics and regulatory trends, ensuring alignment with best practices and enhancing the bank's risk management framework
    • Streamlined credit system processes and implemented improvements for early identification of potential credit issues, resulting in a 20% reduction in the average resolution time and improved risk mitigation
    • Ensured compliance with regulatory guidelines by conducting periodic internal audits, resulting in zero compliance-related issues during external inspections by regulatory authorities
    • Utilized data analytics tools to identify trends and patterns in the portfolio, enabling targeted risk mitigation strategies and reducing the average collection period by 15 days
    • Collaborated with cross-functional teams to automate credit /Digital Lending evaluation processes, reducing manual effort by 40% and improving efficiency in Personal loan underwriting

Relationship Manager

IDBI Bank
Surat
09.2009 - 06.2014
  • • Managed a portfolio of high net worth clients, resulting in a 40% increase in revenue.
    • Conducted financial reviews with clients, identifying investment opportunities and ensuring financial goals were met.
    • Developed and implemented strategies to increase client retention and satisfaction, resulting in a 20% increase in retention rates.

Functional Consultant

Accusol technology Pvt ltd
Ahmedabad
03.2009 - 09.2009
  • Conducted system analysis and design to identify integration requirements, develop integration strategies, and implement integration solutions.
  • Provided training and support to end-users to ensure successful adoption of new ERP systems and integrated applications

HSBC Bank

Financial Planning Manager
Ahmedabad
10.2008 - 10.2008
  • Managed Portfolio of 10 cr. AUM includes Mutual fund, Insurance, Fixed deposits and structured products.
  • Track the customer's investments and give proactive suggestions to enhance the portfolio performance on a regular basis (Portfolio View).

Education

Post Graduate Diploma - Finance & Marketing

Symbiosis Institute Of Management Studies
Pune
08.2005 - 08.2007

Bachelor of Engineering - Mechanical

L E College Morvi
Rajkot
09.1999 - 09.2003

Skills

    Credit Appraisal and Analysis

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Certification

CAIIB by IIBF

References

References available upon request

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote

There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins

Timeline

Asset Manager

IDBI Bank
07.2014 - Current

Relationship Manager

IDBI Bank
09.2009 - 06.2014

Functional Consultant

Accusol technology Pvt ltd
03.2009 - 09.2009

HSBC Bank

Financial Planning Manager
10.2008 - 10.2008

Post Graduate Diploma - Finance & Marketing

Symbiosis Institute Of Management Studies
08.2005 - 08.2007

Bachelor of Engineering - Mechanical

L E College Morvi
09.1999 - 09.2003

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Kumar GauravCredit Professional