Mithlesh Kumar
Lending
Nawada
Summary
More than 14 years experience in lending vertical. Currently working as a state head and drive business in assigned location. Here I am looking unsecured business loan up to 5 lakh. I have accepted many challenges and improve myself as per organizational needs.
Overview
13
13
years of professional experience
6024
6024
years of post-secondary education
2
2
Languages
Work History
State Head
TVAM Technology Pvt Ltd
04.2022 - Current
- Handling team size of 60 team members with the help of Area Managers.
- Looking unsecured business upto 05 lakhs.
- Managed a team of sales representatives, providing guidance and support for their professional growth.
- Expanded the client base through targeted outreach efforts, securing new contracts and partnerships.
- Negotiated contracts and commercial agreements with favorable terms.
Cluster Sales Manager - Home Loan/Vehicle Loan
Ujjivan Small Finance Bank
12.2018 - 04.2022
- Start the Business of affordable home Loan and LAP in Bhagalpur Cluster with 6 branches and making the business in new heights
- Drive the business in cluster with 5 motivated relationship officer and Guide them in carrying out marketing and sales activity, customer appraisals and proposal preparation
- Guides the relationship officers in carrying out marketing and sales activity, customer appraisals and proposal preparation
- Exercises control and carries out recovery of loans in cluster, carries out risk assessment and recovery strategies
- Boosted overall sales performance by implementing strategic marketing plans and initiatives.
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
Credit Officer - Unsecured Loan
Ujjivan Small Finance Bank
03.2014 - 11.2018
- Underwrite open market & high ticket size Individual loans- Business, Livestock, Home Improvement through Personal Discussion
- Ensure compliance to KYC norms, policy criteria & documentation
- Thorough assessment of Repayment Capacity, Cash Flow, Character along with Bureau Check, Reference check, Third Party verification & other related checks on field
- Observation & escalation of cases where breach/deviation of policy & process (During PD/LUC/OD visit) & coordination with Audit and Vigilance for necessary & timely action
Audit Executive
Fino Paytech Ltd
09.2012 - 02.2014
- Conduct quarterly basis audit of district branches for FI/RSBY/MNAREGA/REMITANCE based project assigned to origination time to time
- Meet with client/agents/Business correspondence during visit and identify suspicious transaction and activity to reduce organizational risk
- Monitor process and development of assigned branches and provide assurance to management based on audit report
Internal Auditor
SKS Microfinance Ltd (Now Bharat Financial Services Ltd)
09.2012 - 02.2014
- Execute group internal audit and special investigations, compliance with policies and rules
- Sample visit of LUC/HV/GRT/Centre meeting to identify smooth going on process & policies
- Also do other special assignment as provide by origination time to time
Education
MBA - Fin.
Sikkim Manipal University
PatnaB.com -
Magadh University
Bodh GayaI.com - undefined
BIEC
Patna10th -
BSEB
PatnaSkills
Leadership/Positive attitude
Disclaimer
I do hereby declare that all information furnished in my resume is correct to the best of my belief.
Personal Information
- Date of Birth: 28/Feb/1988
- Marital Status: Married
- Father name - Suresh Singh
Timeline
State Head
TVAM Technology Pvt Ltd
04.2022 - Current
Cluster Sales Manager - Home Loan/Vehicle Loan
Ujjivan Small Finance Bank
12.2018 - 04.2022
Credit Officer - Unsecured Loan
Ujjivan Small Finance Bank
03.2014 - 11.2018
Audit Executive
Fino Paytech Ltd
09.2012 - 02.2014
Internal Auditor
SKS Microfinance Ltd (Now Bharat Financial Services Ltd)
09.2012 - 02.2014
I.com - undefined
BIEC
MBA - Fin.
Sikkim Manipal University
B.com -
Magadh University
10th -
BSEB
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