Summary
Overview
Work History
Education
Skills
Languages
Timeline
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SHUBHAM KUMAR

SHUBHAM KUMAR

Mayapuri Colony, Karnal Road, Gali No 2, Near Dada Khera Kaithal Haryana

Summary

Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimising credit policies to balance profit and loss.

Overview

8
8
years of professional experience

Work History

Branch Credit Manager

IDFC FIRST BANK
02.2022 - Current
  • Underwriting of Secured Loans/Business Loan & Home Loan (Max Ticket Size- Upto 70 Lacs)
  • Underwriting of Unsecured Loan/ business Loan & PL.(Upto 10 Lacs).
  • Underwriting of Dealership Product/ Car Loan, Commercial Vehicle Loan & Tractor Loan.(Upto 15 Lacs).
  • PD in each case irrespective loan amount.
  • Dealer Visit.(PDD related, Business Related)
  • Vendor Visit.(Monthly visit for Vendor Report Related/Billing).
  • Reviewed accounts for signs of fraud and non-payment issues.
  • Compiled data and analysed latest trends, identifying risks preventively.
  • BKS Award {Quarterly award for top performance employee} winner for all Quarter for FY 2022-23.
  • 5 Rating in Annual Appraisal for FY 2022-23.

Branch Credit Manager

Bajaj Finance Ltd
05.2018 - 02.2022
  • Underwriting of Unsecured Personal Loan & Professional loan.
  • Branch Portfolio
  • Customer Visit
  • Follow up for collection upto 6 Emi.
  • Gathered information related to assessment of annual bad debt to carry out in-depth reviews.
  • Collaborated cross-functionally with sales, management and other departments to maintain effective operations.

CPA

ICICI Bank
12.2015 - 05.2018
  • CPA in ICICI Bank on payroll of I-Process, working in Agri Department.
  • Prepare CAM, Data Maintain, Login files check, Cibil Generation.

Education

Master of Business Administration - Finance

Lovely Professional University
Phagwara, Punjab
2023

Bachelor of Science - Information Technology

Kurukshetra university Kurukshetra
Kaithal
2014

Senior Secondary - Science

HBSE
Kaithal, HR
05.2010

Secondary -

CBSE
Assandh
05.2008

Skills

  • Performance improvements
  • Fraud understanding
  • Microsoft Access and Dynamics
  • Risk assessments
  • Risk analysis
  • Credit evaluations

Languages

Hindi
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)

Timeline

Branch Credit Manager

IDFC FIRST BANK
02.2022 - Current

Branch Credit Manager

Bajaj Finance Ltd
05.2018 - 02.2022

CPA

ICICI Bank
12.2015 - 05.2018

Master of Business Administration - Finance

Lovely Professional University

Bachelor of Science - Information Technology

Kurukshetra university Kurukshetra

Senior Secondary - Science

HBSE

Secondary -

CBSE

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SHUBHAM KUMAR