Nirmal Kumar
Kodungaiyur
Summary
Motivational leader and organizational problem-solver with advanced supervisory, team building and customer service skills. Experience stepping into roles and quickly making positive changes to drive company success. Focused on using training, monitoring and morale-building techniques to maximize employee engagement and performance.
Overview
6
6
years of professional experience
Work History
RCU Manager – Post Verification
Kotak Mahindra Bank
Chennai
09.2024 - Current
- Currently handling post-disbursal verification and fraud investigation for Consumer Durable – Online & Offlineand SPLN (Special Loan) products across Tamil Nadu.
- Leading sampling strategy, RCU agency management, and market investigations.
- Ensuring compliance with internal and regulatory norms; identifying fraud trends and reporting high-risk dealers.
- Conducting seeding activities to ensuring right practices to follow across department.
- Conducted regular meetings with staff to discuss progress and identify areas of improvement.
- Created monthly reports for senior management summarizing operational performance metrics.
Manager
Bajaj Finance Ltd
Chennai
12.2022 - 09.2024
- Established processes to ensure efficient workflow throughout the organization.
- Resolved conflicts between employees by providing guidance on company policies and procedures.
- Provided leadership during times of organizational change or crisis situations.
- Created monthly reports for senior management summarizing operational performance metrics.
- Coached, mentored, and trained team members in order to improve their job performance.
- Conducted regular meetings with staff to discuss progress and identify areas of improvement.
- Monitoring ongoing screening and sampling activities of the KYC and surrogate documents provided by the customer.
- Monitoring the sampled cases for any indications of fraud patterns.
- Conducting seeding activities to ensuring right practices to follow across department.
Assistant Manager
Bajaj
North Chennai
04.2021 - 11.2022
- Handled location: North Chennai (Padi to Avadi) and Redills to Gummidipoondi.
- Assisted in the development of operational strategies to ensure efficient and productive operations.
- Provided guidance and support to junior staff members on daily tasks, projects, and objectives.
- Coordinated with other departments to ensure smooth flow of operations.
Executive RCU In Customer Durable
Bajaj
Chengelpatu
09.2019 - 04.2021
- Handled location: Chengalpatu & surrounding areas, Pondicherry, Cudalore, Kelambakkam, Gummidipondi.
Education
B.com - Bank Management
Thiruthangal Nadar College
Chennai01.2018
H.S.C -
St. Ann's Matric. Hr. Sec. School
Chennai01.2015
S.S.L.C -
St. Ann's Matric. Hr. Sec. School
Chennai01.2013
Skills
- MS OFFICE (Word, Excel, PowerPoint)
- Business Development
- Workforce Management
- Policy Implementation
- Strategic Planning
- Time Management
- Team Leadership
- Performance Evaluations
Product Handling
- Consumer Durable
- Digital products
- Life Style Finance
- Life Care Finance
- Two-wheeler finance
- SPLN (Salaried Personal Loan)
Key Roles Responsibilities
- Controlling the FST data (Nonstarter cases investigation) below 0.10%
- Regular Training is given to the Sales team, RCU agency and samplers.
- Cracking Fraud Cases identified in local sampling.
- Closing the cases RSA, FEWS & QC Cases on daily basis with in TAT.
- Reporting the final FST feedback & Market issue to National Head through monthly con-call.
- Circulating individual fraud & Negative cases savings forward to HO on monthly basis.
- Investigating HO highlighted RBI reported cases.
- Doing the MIS Mystery Shopping suspected dealers.
- Pre Process handling Oct'22 to Nov'23 (TamilNadu, Telangana & Andra Pradesh)
Rewards Recognitions
- Heroes award, January 2022 from MD & Chief HR for Exceptional Performance at Bajaj Finserv
- Kudos award, May 2024 from President of Risk for Exceptional Contributions at Bajaj Finserv.
- Top Gun award, March 2025 from President- Consumer Bank Products at Kotak Mahindra Bank.
Department
RCU - Risk Containment Unit
Personal Information
- Father's Name: E. VARADHARAJLU
- Mother's Name: V. SHAKTHI PRIYA
- Date of Birth: 06/19/97
- Nationality: Indian
- Marital Status: Married
- Religion: Hindu
Languages
- English
- Tamil
- Telugu
Timeline
RCU Manager – Post Verification
Kotak Mahindra Bank
09.2024 - Current
Manager
Bajaj Finance Ltd
12.2022 - 09.2024
Assistant Manager
Bajaj
04.2021 - 11.2022
Executive RCU In Customer Durable
Bajaj
09.2019 - 04.2021
B.com - Bank Management
Thiruthangal Nadar College
H.S.C -
St. Ann's Matric. Hr. Sec. School
S.S.L.C -
St. Ann's Matric. Hr. Sec. School