Prashant Kumar
Summary
Dedicated and results-driven Credit Manager with a proven track record in credit risk assessment, portfolio management, and team leadership. Adept at analyzing financial data, developing risk mitigation strategies, and ensuring compliance with lending policies and regulations. Experienced in cultivating strong relationships with clients and cross-functional teams to drive business growth. Possesses excellent communication and decision-making skills with a keen eye for details.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Manager Credit
Blubble Pvt Ltd -Turno
New Delhi
07.2024 - Current
- Recruited and trained new employees to meet job requirements.
- Working in TAT for customer acquisition and best experience to customer and Dealer.
- Product handling- Commercial Vehicle (New/Used) including passenger and Cargo.
- Working in fleet list Ration.
- Co-ordinate with legal, Technical, Field Investigation and Risk containment unit agency of processing files.
Credit Manager in Retail Banking
ICICI BANK
Bhatinda
08.2022 - 06.2024
- Leading a team of credit analysts in evaluating and approving credit application within established policies and guidelines
- Conduct regular portfolio reviews, assess credit quality, and recommended risk mitigation strategies to senior management
- Collaborate with sales and relationship management teams to understand client needs and tailor credit solutions accordingly
- Ensure compliance with regulatory requirements and internal policies, conducting periodic audits to maintain a high level of data integrity.
- Conducting team meeting with Business Teams and respective DSA (Direct Selling Agent)
- Improving TAT in customer acquisition and best experience to customer
- Product handling - Auto Loan (New/Used), Personal Loan, Commercial Vehicle (New/Used), Farm Equipment (New/Used), Home Loan and Business Installment loan
- Co-ordinate with legal, Technical, Field Investigation and Risk containment unit agency of processing files.
Education
MBA - Banking And Finance
Manipal University Bangalore
Bangalore06-2025
Post Graduation diploma in Banking and Finance -
Manipal Academy of Higher Education
01.2022
Bachelor of Commerce -
C M COLLEGE
05.2020
Skills
- Portfolio Management
- Credit Risk Management
- Regulatory Compliance
- Team leadership
- Decision Making
- Financial Analysis
- Credit Scoring
Certification
- NISM - National Institute of Securities Market
- IRDA - Insurance Regulatory Development Authority of Indian
Accomplishments
- Highest Revenue Generation in 360 Degree Customer Relationship South Punjab Credit Team)
- As a Captain of Cricket team got winner position in ICICI Manipal.
Timeline
Manager Credit
Blubble Pvt Ltd -Turno
07.2024 - Current
Credit Manager in Retail Banking
ICICI BANK
08.2022 - 06.2024
MBA - Banking And Finance
Manipal University Bangalore
Post Graduation diploma in Banking and Finance -
Manipal Academy of Higher Education
Bachelor of Commerce -
C M COLLEGE
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