Mithilesh Kumar
Relationship Manager
New Delhi,DL
Summary
Dynamic Relationship Manager with extensive experience at IDBI Bank, excelling in customer service and credit analysis. Proven track record in enhancing client satisfaction and retention through effective relationship building and complaint resolution. Skilled in risk assessment and application processing, driving revenue growth and fostering strong client partnerships.
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Experienced finance professional prepared for role. Strong focus on risk assessment, credit analysis, and client relationship management. Known for team collaboration and achieving results. Reliable and adaptable, skilled in financial reporting, regulatory compliance, and strategic planning.
Overview
11
11
years of professional experience
2
2
Certifications
2
2
Languages
Work History
Relationship Manager
IDBI Bank
06.2024 - Current
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.
- Met with members to understand goals and recommend solutions to fit specific needs.
- Strengthened client relationships through regular, personalized communication, ensuring high levels of client satisfaction and retention.
- Participated in staff meetings to discuss innovative strategies to improve services.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
Credit Manager
IDBI Bank
12.2019 - 05.2024
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Leveraged advanced analytics tools in assessing borrower applications which resulted in better-informed lending decisions.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
Customer Service Manager
IDBI Bank
07.2014 - 11.2019
- Managed complex customer issues effectively, navigating multiple internal resources to identify and implement the best possible solutions.
- Resolved customer complaints while prioritizing customer satisfaction and loyalty.
- Developed strong relationships with key clients, ensuring their needs were met consistently and promptly.
- Facilitated clear communication between departments, ensuring seamless resolution of customer concerns in a timely manner.
- Boosted customer retention rates through exceptional problem-solving skills and relationship-building efforts.
- Took ownership of customer issues and followed problems through to resolution.
- Reduced customer complaints, proactively addressing issues and implementing effective solutions.
- Collaborated with sales teams to develop tailored solutions for prospective clients, resulting in increased revenue generation opportunities.
Education
MBA - Financial Management
SWAMI VIVEKANAND SUBHARTI UNIVERSITY
Meerut, India 04.2001 -
Bachelor of Science - Computer Science
UNIVERSITY OF DELHI
DELHI 04.2001 -
High School Diploma -
CBSE
Delhi, India 04.2001 -
10TH BOARD - 10TH BOARD
CBSE
Delhi, India 04.2001 -
Skills
Relationship building
Customer relationships
Relationship management
Customer service
Credit analysis
Performance improvements
Application processing
Regulatory compliance
Application review
Loan origination
Loan decision assessments
Credit evaluations
Collections actions
Decision-making
Risk assessment
Complaint resolution
Certification
CAIIB
Timeline
Relationship Manager
IDBI Bank
06.2024 - Current
Credit Manager
IDBI Bank
12.2019 - 05.2024
Customer Service Manager
IDBI Bank
07.2014 - 11.2019
CAIIB
02-2014
JAIIB
07-2013
MBA - Financial Management
SWAMI VIVEKANAND SUBHARTI UNIVERSITY
04.2001 -
Bachelor of Science - Computer Science
UNIVERSITY OF DELHI
04.2001 -
High School Diploma -
CBSE
04.2001 -
10TH BOARD - 10TH BOARD
CBSE
04.2001 -