Manish Kumar
New Delhi
Summary
Risk policy and credit analysis professional with 15+ years of experience in underwriting for financial services. Deep knowledge of Indian retail lending supports strategic decision-making and operational improvements. Skilled in assessing credit risk, applying credit policy, and maintaining audit-ready documentation.
Overview
2
2
Languages
17
17
years of professional experience
Work History
Branch Credit Manager
SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY
02.2026 - Current
- Reviewed Delhi NCR approvals up to 10 lakh, escalated above 10 lakh cases.
- Prepared eligibility notes using CAM financial parameters and policy norms.
- Conducted in-person, tele-PD, and video PD for informal SENP customers.
- Checked property documents and verified legal and technical report accuracy.
- Evaluated loan applications by reviewing KYC, banking history, CIBIL, income documentation.
- Maintained portfolio quality through accurate approvals and controlled delinquency rates.
- Assessed applicant financial standing and repayment capacity through credit analysis and discussions.
- Calculated income-to-obligation ratios and monitored repayment trends for decisions.
- Complied with internal credit policies, regulatory standards, and risk frameworks.
Area Credit Manager
HERO FINCORP
07.2022 - 12.2025
- Exercised sanctioning authority for PL and used car loans in Delhi NCR.
- Reviewed KYC, banking history, CIBIL reports, and income documents for underwriting.
- Maintained portfolio quality through approval accuracy and controlled delinquency rates.
- Collaborated with team members to achieve target results.
- Identified issues, analysed information and provided solutions to problems.
Assistant Manager
AYE FINANCE (P) LTD
Gurgaon
04.2016 - 07.2022
- Streamlined Repeat Loan Process for North and East Zones, enhancing efficiency and compliance.
- Executed credit decisions within assigned authority, effectively mitigating risk.
- Coordinated activities for the credit/customer setup team to ensure timely, accurate file reviews.
- Analysed property documents to accurately assess eligibility and value.
- Conducted thorough credit checks on applications in accordance with policy guidelines.
- Evaluated financial and bank statements to determine applicant reliability.
- Reviewed legal and technical reports for property cases to verify their validity.
Team Leader
HERO FINCORP LTD
03.2013 - 04.2016
- Authorised decisions for cases up to 80% LTV, with documented deviations.
- Prepared and verified portfolio data, including ABND, rejection reasons, and FTR.
- Trained team members on credit checks and underwriting policies, to ensure portfolio health.
- Motivated and coordinated team efforts to enhance performance across the zone.
- Collaborated with FI vendors to consistently reduce turnaround time.
- Launched new schemes in the system based on delinquency trends.
- Supported managers in case appraisals by recommending deviations, with detailed CAM reports.
- Reviewed inventory funding documents to ensure compliance before submission.
Credit Officer
Bussan Auto Finance
03.2011 - 03.2013
- Streamlined end-to-end turnaround time for case processing, improving efficiency at each stage.
- Executed telephonic verification to confirm details and ensure accuracy.
- Managed RCU in KYC documents for physical files to maintain compliance.
- Oversaw field investigation checks to uphold regulatory standards.
- Handled internal bank deduplication processes to boost data accuracy.
Floor Coordinator
FAMILY CREDIT INDIA LTD
09.2009 - 09.2010
- Enhanced collaboration by coordinating with Sales, Credit Departments, dealers, and DSA.
- Timely disbursement of physical files ensured efficiency in the workflow.
- Maintained turnaround time (TAT) at every process stage to meet deadlines.
- Conducted field investigation (FI) checks for thorough verification.
- Processed credit files while making strategic decisions to optimise outcomes.
- Engaged with market teams situated in different dealerships and DSAs, for effective integration.
Education
B.A -
Delhi University
12th Passed -
NIOS (National Institute of Open School)
10th Passed -
CBSE Board
Skills
- Risk analysis and financial assessment
- Credit risk management
- Banking operations
- Retail finance strategies
- Team leadership
- Portfolio management
- Documentation review
- Client interaction
- Communication skills
- Problem solving
- Deadline management
- Credit underwriting
- CAM analysis
- Income assessment
- Decision making
- Problem-solving
Languages
English
Hindi
Personal Information
Father's Name: Sh Rajinder Kumar
Areas Of Interest
- Risk Analysis
- Credit Risk
- Financial Analysis
- Banking
- Retail Finance
- Credit Risk & Credit Analysis
Hobbies and Interests
- Listen to Music
- Playing Cricket
Timeline
Branch Credit Manager
SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY
02.2026 - Current
Area Credit Manager
HERO FINCORP
07.2022 - 12.2025
Assistant Manager
AYE FINANCE (P) LTD
04.2016 - 07.2022
Team Leader
HERO FINCORP LTD
03.2013 - 04.2016
Credit Officer
Bussan Auto Finance
03.2011 - 03.2013
Floor Coordinator
FAMILY CREDIT INDIA LTD
09.2009 - 09.2010
B.A -
Delhi University
12th Passed -
NIOS (National Institute of Open School)
10th Passed -
CBSE Board