Ravi Kumar
D230, Kamla Nagar, Agra
Summary
Resourceful State Credit Manager known for high productivity and efficient task completion. Specialize in risk assessment, financial analysis, and regulatory compliance to ensure optimal decision-making processes. Excel in communication, strategic planning, and problem-solving to navigate complex credit environments effectively. Committed to leveraging these skills to contribute positively to team success and company growth.
Overview
16
16
years of professional experience
Work History
State Credit Manager
Aavas Financier Ltd.
Agra
09.2016 - Current
- Handling 10 branches including Agra, Agra Sikandra, Agra Fatehabad Road, Mathura, Aligarh, Anoopshahr, Bulandshahr, Bharatpur, and Kannauj.
- Surprise visit at Non Income Proof clients to check the business activities.
- Held 30 lacs sanction authority and approved cases up to that limit.
- Timely file decision to maintain the TAT and Accuracy.
- Travelling for visit every branch in a month on regular basis for team meeting, discussion on business growth and PD of high ticket cases.
- Requested financial documents from customers.
- Followed up regularly with team on collections for last 2 years' credit portfolio and NPA cases.
- Credit training and RO nurturing training in each branch every month.
- Coordinated with team on SUD case follow-ups to achieve monthly conversion goals.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Presented key information to upper management and executive team for loan recommendations.
Credit Officer
Shubham Housing Development Finance Co.
Bikaner
12.2014 - 03.2016
- Executed file login checks in compliance with policy.
- Conducted personal discussions with clients at residence and business locations to assess needs and build relationships.
- Executed timely file decisions to uphold turnaround time and ensure accuracy.
- To Initiate legal and valuation for the vendors and follow-up on a daily basis.
- To Initiate legal and valuation for the venders and follow-up on daily basis.
- Complete the PDD and send to Head office on a monthly basis.
- Vendor Management like CPV, Legal and Technical.
Audit Executive
Capital trust Ltd.
Saharanpur
10.2013 - 12.2014
- Daily center visit to check the loan disbursal in the groups.
- Ensured cash compliance with bank regulations and standards.
- Checked registers, files, and fixed assets at branch level for compliance and accuracy.
- Loan utilization check with the existing clients.
- Check loan utilization with existing clients.
- It is a Micro Finance company that provides to people mortgage loan for the business purpose and Micro Loan for women with JLG product (Joint Liability Group).
Field Assistance
S.K.S. Microfinance Ltd
06.2010 - 09.2013
- Daily center meeting for the disbursal and collection purposes.
- Established new client accounts for loan disbursal.
- Conducted loan utilization checks with clients to ensure effective use of disbursed funds.
- Record keeping for monthly branch audit.
Education
MBA - Finance
SVS University
BBA - Banking And Finance
SVS University
07.2020
B.Sc. - P.C.M.
C.C.S.U.
Intermediate - Science
U.P. Board
High School -
U.P. Board
Skills
- Team work and coordination
- Credit underwriting
- Loan portfolio management
- Policies and procedures
- Vendor management
- Customer relationship management
- Data analysis
- Team leadership
- Effective communication
- Problem solving
- Attention to detail
- Time management
- Training development
- Risk mitigation
- Cash flow forecasting
- Loan structuring
- Debt restructuring
- Portfolio management
- Collateral evaluation
Hobbies
Profound experience in the field by dealing with thousands of customers.
- Very fluent and pleasant communication.
- Highly motivated and committed to deliver most suited loan scheme to ht deserving candidate.
- Good knowledge with product & policy of company.
- Aware of various delinquency processes occurring in combinations of loans.
- Able to work under pressure and as a part of team.
- Able to work effectively with different personalities.
Expertise
Profound experience in the field by dealing with thousands of customers.
- Very fluent and pleasant communication.
- Highly motivated and committed to deliver most suited loan scheme to ht deserving candidate.
- Good knowledge with product & policy of company.
- Aware of various delinquency processes occurring in combinations of loans.
- Able to work under pressure and as a part of team.
- Able to work effectively with different personalities.
Declaration
Profound experience in the field by dealing with thousands of customers.
- Very fluent and pleasant communication.
- Highly motivated and committed to deliver most suited loan scheme to ht deserving candidate.
- Good knowledge with product & policy of company.
- Aware of various delinquency processes occurring in combinations of loans.
- Able to work under pressure and as a part of team.
- Able to work effectively with different personalities.
Personal Details
Profound experience in the field by dealing with thousands of customers.
- Very fluent and pleasant communication.
- Highly motivated and committed to deliver most suited loan scheme to ht deserving candidate.
- Good knowledge with product & policy of company.
- Aware of various delinquency processes occurring in combinations of loans.
- Able to work under pressure and as a part of team.
- Able to work effectively with different personalities.
Languages
- English
- Hindi
Timeline
State Credit Manager
Aavas Financier Ltd.
09.2016 - Current
Credit Officer
Shubham Housing Development Finance Co.
12.2014 - 03.2016
Audit Executive
Capital trust Ltd.
10.2013 - 12.2014
Field Assistance
S.K.S. Microfinance Ltd
06.2010 - 09.2013
High School -
U.P. Board
Intermediate - Science
U.P. Board
B.Sc. - P.C.M.
C.C.S.U.
BBA - Banking And Finance
SVS University
MBA - Finance
SVS University