Rohit Kumar
New Delhi
Summary
I have over 16+ years of experience in finance, specializing in fraud risk management and credit underwriting for different types of loans (Secured & Un-secured). I'm good at handling activities before and after acquiring customers, investigating thoroughly, and giving useful advice. I have a track record of making processes better and reducing risks.
Overview
17
17
years of professional experience
Work History
FCU Manager (Grade-AVP)-North & Maharashtra Region
Unity Small Finance Bank
03.2022 - Current
- Monitored pre-disbursement loan applications from sampling to feedback report submission
- Supervised fraud investigation agency for sampler supervision, document verification, customer profile checks, and feedback report submission
- Analysed Sampling MIS to control sampling percentage, negative/fraud hit ratio, status quality, and reporting TAT
- Conducted monthly analysis of FCU MIS to review and prepare the sampling portfolio strategy and identify new sampling triggers
- Conducted investigations over referrals from various verticals including credit, collection, monthly MIS, and in-house teams
- Submitted final investigation closure reports to the IRA and provided recommendations for further action
- Identified process gaps during investigations and highlighted them to the concerned team for non-adherence
- Conducted quarterly analysis of investigation reports for FCU process improvement
- Resolved/allocated POS for skipped (written off) cases by tracing investigations
- Conducted employee investigations and reference background verification checks in the industry with relevant counterparts
- Conducted regular training sessions with vendors to ensure adherence to FCU requirements and better policies
- Conducted agency audits quarterly to cross-check process adherence
- Conducted FCU fraud awareness sessions with other verticals to identify process gaps and educate on the latest fraud trends
- Circulated market fraud alerts/information to other verticals to prevent fraudulent clients from entering the portfolio
- Identified new processes and tools such as Hunter, Finfort, Perfios, Karza, Sherlock, Prob 42, and ATOM 361 for FCU verification to optimize costing and fast processing.
FCU Manager
Bandhan Bank
Delhi
09.2020 - 03.2022
- Took care of FCU Pre-acquisition activities of Housing Loan, LAP, SME Loan, Personal Loan & Auto Loan for Delhi NCR region and Haryana location.
Area FCU Manager
IIFL Finance Limited
Delhi
09.2018 - 07.2020
- Managed end to end FCU activities for SME, Gold Loan, Merchant Finance (MRF), Digital Finance (DF), Health Care & Machinery Finance
- Earlier taken care of Commercial Vehicle Loan.
Area RCU Manager
Shriram Housing Finance Limited
05.2018 - 09.2018
- Managed end to end RCU activities for Home Loan & LAP Product.
Assistant RCU Manager
Magma Fincorp Limited
08.2015 - 05.2018
- Handled ABF (Assets Based Finance), LAP, Home Loan and SME Product RCU Actives.
Regional RCU Coordinator
TATA Capital Limited ( off Role)
03.2013 - 08.2015
- Handled Retails and Corporate Finance Product RCU Actives.
Senior Executive Credit & Operation Executive
Magma Fincorp Limited(off Role)
01.2012 - 03.2013
- Handled the product of Auto Loan & Used Car Loan.
Credit Officer
HDFC Bank Ltd(off Role)
Delhi
07.2007 - 01.2012
- Handled the Product of Auto Loan, Auto Premium Car Loan, Commercial vehicle Loan, Used Car Loan, Short Ticket Personal Loan and Express Loan Plus.
Education
MBA -
Sikkim Manipal University
01.2012
Master of Sociology -
SD(PG) College Ghaziabad, C.C.S University
01.2006
Bachelor in Social Work -
B.R.A College Delhi University
01.2004
Senior Secondary -
CBSE Delhi
01.2001
High School -
CBSE
01.1999
Skills
- Fraud Risk Management
- Credit Underwriting
- Investigation and Analysis
- Process Optimization
- Team Leadership
- Vendor Management
- Communication
- Policy Implementation
Personal Information
- Father's Name: Mr. Brahma Nand
- Date of Birth: 02/21/84
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Disclaimer
I hereby declare that the above-given information is true to the best of my knowledge and belief.
Languages
- Hindi
- English
Timeline
FCU Manager (Grade-AVP)-North & Maharashtra Region
Unity Small Finance Bank
03.2022 - Current
FCU Manager
Bandhan Bank
09.2020 - 03.2022
Area FCU Manager
IIFL Finance Limited
09.2018 - 07.2020
Area RCU Manager
Shriram Housing Finance Limited
05.2018 - 09.2018
Assistant RCU Manager
Magma Fincorp Limited
08.2015 - 05.2018
Regional RCU Coordinator
TATA Capital Limited ( off Role)
03.2013 - 08.2015
Senior Executive Credit & Operation Executive
Magma Fincorp Limited(off Role)
01.2012 - 03.2013
Credit Officer
HDFC Bank Ltd(off Role)
07.2007 - 01.2012
MBA -
Sikkim Manipal University
Master of Sociology -
SD(PG) College Ghaziabad, C.C.S University
Bachelor in Social Work -
B.R.A College Delhi University
Senior Secondary -
CBSE Delhi
High School -
CBSE
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