Naveen Kumar R
# 94 J H B Colony Kalkinikke Hunsur Town, Mysore Dist Karnatka
Summary
Looking forward to a challenging career in an esteemed organization, where I can work in a good position, and where I can apply my skills and knowledge for the company's and my own growth.
Overview
12
12
years of professional experience
Work History
CCM - KA
Orange Retail Finance India Pvt Ltd
KA
07.2025 - Current
- Handling the team with 12 Branches in Karnataka.
- Regular Branch Visit
- Creating awareness about the company's new policies and guidelines to branch staff.
- Conducting staff meetings and creating awareness about market fluctuations.
- Identifies branch frauds and highlights branch auditing.
- Visiting non-starter, A/C, overdue, NCL, and bucket-wise collection in overall branch.
- Identify negative areas, and cross-check in fields.
- Mainly concentrating on maintaining good quality, staff monitoring.
- Concentrating Branch Portfolio.
Senior BCM
Tyger Capital Pvt Ltd ( Formerly Adani Capital)
Bangalore - Rural
09.2022 - 06.2025
- Contact Point Verification, Conducting Personal Discussions.
- Creating awareness about the company's new policies and guidelines to branch staff.
- Conducting staff meetings and creating awareness about market fluctuations.
- Identifies branch frauds and highlights branch auditing.
- Visiting non-starter, A/C, overdue, NCL, and bucket-wise collection in overall branch.
- Identify negative areas, and cross-check in fields.
- Mainly concentrating on maintaining good quality, staff monitoring.
- Concentrating Branch Portfolio
- Loan Sanctioning Authority, with team handling.
Branch Credit Manager
IIFL Samasta Finance Ltd
Mysore
02.2020 - 09.2022
- Examine credit data and financial statements to assess risk.
- Interpret CIBIL reports to determine customer creditworthiness.
- Analyses income and bank statements to assess customer eligibility for loans.
- Manage credit applications from login to disbursement.
- Prepare Credit Assessment Memorandum (CAM) and underwriting reports.
- Prepare approval notes and recommendation for loan approval.
- Meet customers to discuss loan details and provide updates.
- Prepare sanction letters and docket kits for disbursement.
- Hand over documents to the operations team for disbursement.
- Provide timely updates to the Head Office (HO).
- Prepare Management Information System (MIS) reports post-sanction.
- Maintain accurate records and updates in the system.
- Coordinate with agencies like FCU, FI, Legal, and Technical for reports.
- Ensure timely receipt of reports within the specified TAT period.
- Communicate with customers regarding loan status and disbursal documents.
- Clarify customer service issues through proper communication.
Risk Manager - Mortgage
FICCL ( SMFG )
Mysore
07.2017 - 02.2020
- Analyses credit data, financial statements, and CIBIL reports to determine creditworthiness.
- Manage the entire credit application process from login to disbursement.
- Assess income analysis, bank statements, and customer eligibility for loans, as per bank policy.
- Prepare the Credit Assessment Memorandum (CAM) and underwriting reports for case recommendations.
- Prepare approval notes, generate sanction letters, and prepare docket kits for disbursement.
- Collaborate with agencies (FCU, FI, Legal, Technical) to obtain required reports within TAT periods.
- Communicate with customers regarding loan status, post-disbursal documents, and clarify customer service issues.
- Prepare daily MIS reports and update HO in a timely manner.
- Credit risk assessment and management.
- Financial analysis and interpretation.
- Excellent communication and interpersonal skills.
- Ability to manage multiple stakeholders and agencies.
- Proficiency in credit management software (SSO-NEO).
- Strong analytical and problem-solving skills.
- Team handling experience of four ARMs. (Assistant Risk Manager)
Branch Manager
Prerana Motors
Mysore
10.2013 - 06.2017
- Team Management. Share the proper Monthly sales report to Management.
- Achieving the Monthly Target. Strong analytical and problem-solving skills.
- Conduct the Proper training to Team.
Education
BCOM -
Karnataka State Open University
Skills
- MS-DOS
- MS Office
- Internet concepts
- Staff training
- Data reporting
- Time management
- Credit risk assessment
Languages
- Kannada
- Hindi
- English
- Tamil and Telugu
- English, Read, write and speak
- Kannada, Read, write and speak
- Hindi, Read, write and speak
Personal Information
- Date of birth: 06/02/89
- Nationality: Indian
- Marital status: Married
Declarations
I hereby declare that the above-mentioned information is true, as to my best knowledge and belief.
Timeline
CCM - KA
Orange Retail Finance India Pvt Ltd
07.2025 - Current
Senior BCM
Tyger Capital Pvt Ltd ( Formerly Adani Capital)
09.2022 - 06.2025
Branch Credit Manager
IIFL Samasta Finance Ltd
02.2020 - 09.2022
Risk Manager - Mortgage
FICCL ( SMFG )
07.2017 - 02.2020
Branch Manager
Prerana Motors
10.2013 - 06.2017
BCOM -
Karnataka State Open University