RAJ KUMAR
Banking Operations Professional
Gurgaon
Summary
Experienced professional with a strong background in the banking industry, offering approximately 15 years of expertise in team management, banking operations, credit appraisal, rating and analysis, retail and corporate loans, project and infrastructure finance, financial statement analysis, due diligence, credit monitoring, internal audit, risk and compliance. Proven track record of leading teams and driving operational efficiency within the banking sector. Skilled in conducting thorough credit assessments and providing strategic recommendations to mitigate risk.
Overview
16
16
years of professional experience
4017
4017
years of post-secondary education
Work History
PROJECT FINANCE OFFICER
National Housing Bank
08.2023 - Current
- Assisted in project evaluation, appraisal, assessment, negotiations, and preparation of credit/project proposals
- Supervised and monitored project implementation, including inspections and compliance assessments
- Analyzed financial data and detailed project reports to assess borrower eligibility
- Developed and maintained communication channels with banks and other agencies
FREELANCE CREDIT CONSULTANT
Urban Money
01.2023 - 08.2023
- Provided end-to-end credit solutions, ranging from personal to project loans
- Acted as a single point of contact between customers and financial institutions
- Generated business leads and identified potential customers
- Built and maintained a database of lending partners
SENIOR MANAGER
Clix Capital
11.2022 - 01.2023
- Served as a technical architect for LMS/LOS systems and resolved functional queries
- Provided consultancy on banking operations and process improvements
- Analyzed customer requirements to design tailored solutions
- Facilitated communication between technical teams and business units
SENIOR MANAGER
Canara Bank
06.2013 - 05.2022
- Responsible for end-to-end credit processing including fresh sanctions, renewals etc.
- Underwriting credit proposals as per the laid down policies & procedure.
- Conducting personal discussion with customers to establish Credit worthiness.
- Ensuring completion of credit/KYC documents and verification-telephonic, field & collateral visits.
- Preparing and Maintaining MIS on Credit requirements like -Sanction Limit, client Net worth etc.
- Attending to audit observations and ensuring timely closure of the same. Prepare Credit Appraisal Notes/ Sanction Memos/ Processing Notes etc.
- To coordinate with sales to achieve targets and ensure TAT or SLAs are met.
- To ensure credit policy adherence to the accepted standards.
- To control and contain front-end delinquencies by calling up customer on first presentation.
- Recommending credit limits/ terms loans as per credit policy of the Bank to the sanctioning authority.
- Analysing financials submitted by the firm like Balance Sheet analyses, Ratio calculations, Net worth calculation etc.
- Preparing process notes, rating sheets, review formats, sanction letters, documentation, monitoring, and post sanction follow up.
- Determining correct internal risk rating and obtaining external risk rating for eligible borrowers.
- Preparing various monthly and quarterly statements and submitting the same to the higher authorities for review.
- Creating charge over securities available with the Bank against financed loan facility e.g. CERSAI, Registered Mortgage, Hypothecation, Lien etc.
ANALYST
Royal Bank of Scotland
09.2008 - 12.2012
- Processed Banking related customer requests recieved directly through the customers or through their relationship managers, including account opening, closing, and maintenance, Loan accounts etc.
- Managed KYC cases efficiently to meet AML obligations
- Implemented workflows to minimize processing time, enhancing customer satisfaction
- Collaborated with cross-functional teams to streamline operations.
Education
PGDM - Finance
MIT
PUNE 01.2023 - 01.2025
M.A. - English Literature
MDU ROHTAK
GurgaonB.A. - Arts
Delhi University
New Delhi Certified Credit Professional -
IIBF
Diploma In Web And Software Engineering -
FTEC
New Delhi Diploma In Finance And Accounts - BUSINESS ACCOUNTS
IIJT FINANCE
New Delhi Skills
- Banking and Lending Operations
- Housing Loans
- Mortgage Loans (LAP)
- Retail and MSME Loans
- Risk Management
- Due Diligence
- Corporate & Commercial Credit
- KYC/AML
- Credit Monitoring and Compliance Strategies
- Credit Appraisal
- Credit Ratings
- Credit Risk and Compliance
Personal Information
- Total Experience: 15 Years
- Date of Birth: 10/05/84
- Gender: Male
- Marital Status: Married
Accomplishments
- All India Canara Bank top perfomer in Digital Lending Campaign during Covid 19 Pandemic 2021.
- Investigated and reported frauds in KCC loans involving 40 loan accounts using analytical and software information.
Timeline
PROJECT FINANCE OFFICER
National Housing Bank
08.2023 - Current
FREELANCE CREDIT CONSULTANT
Urban Money
01.2023 - 08.2023
PGDM - Finance
MIT
01.2023 - 01.2025
SENIOR MANAGER
Clix Capital
11.2022 - 01.2023
SENIOR MANAGER
Canara Bank
06.2013 - 05.2022
ANALYST
Royal Bank of Scotland
09.2008 - 12.2012
M.A. - English Literature
MDU ROHTAK
B.A. - Arts
Delhi University
Certified Credit Professional -
IIBF
Diploma In Web And Software Engineering -
FTEC
Diploma In Finance And Accounts - BUSINESS ACCOUNTS
IIJT FINANCE
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