Sumit Kumar
Gaya
Summary
To work in a dynamic environment which offers me constant opportunities for growth and development where I can utilize my skills and knowledge.
Overview
10
10
years of professional experience
Work History
Credit Manager- Retail Assets
Utkarsh Small finance Bank
04.2025 - Current
- Evaluate loan applications by analyzing financial statements, income, business stability, and repayment capacity.
- Risk Analysis: Identify and assess potential risks associated with lending and recommend or rejection accordingly.
- Portfolio Management: Monitor existing loan accounts, track repayment behavior, and ensure asset quality is maintained.
- Compliance & Policy Adherence: Ensure all credit activities follow internal policies, RBI guidelines, and regulatory requirements.
- Documentation Verification: Verify KYC documents, financial records, property papers, and other required documents for accuracy and authenticity.
- Coordination: Work closely with sales, operations, and collection teams for smooth loan processing and recovery.
- Delinquency Management: Identify overdue accounts and support recovery teams to minimize NPAs (Non-Performing Assets).
- Reporting & MIS: Prepare credit reports, risk analysis summaries, and maintain proper records for audits and reviews.
Branch Credit Manager-Home Loans
Cholamandlam Investment and finance company
09.2022 - 03.2025
- Checking Files with KYC, title information, and property documents.
- Credit Visit on work place and checking condition of House hold and family liability.
- Personal discussion with customer at Business address, collateral and Customer residence visit.
- Analyses credit financial data such as income growth, profitability, stability, and cashflows etc.
- Credit assessment based on various checks such as CIBIL, financial, legal & technical reports.
- Case recommended for approval in compliance with credit policy.
- Co-ordination with RO and HO team/manager for any query.
- Adherence to company standards and guidelines for loan services.
Branch Credit Manager in LAP and Home loan
Finova Capital Pvt. Ltd.
03.2022 - 09.2022
- Checking Files with KYC, title information, and property documents.
- Credit Visit on work place and checking condition of House hold and family liability.
- To check Household condition & living standards as per Company requirement.
- Personal discussion with customer at Business address, collateral and Customer residence visit.
- Analyses credit financial data such as income growth, profitability, stability, and cashflows etc.
- Credit assessment based on various checks such as CIBIL, financial, legal & technical reports.
- Case recommended for approval in compliance with credit policy.
- Loan Disbursement.
- Prepared and submitted loan applications to recommendation.
- Managed reporting, documentation and record keeping requirements for department.
Credit Underwriter - Affordable and Micro Housing
Jana Small Finance Bank Ltd.
05.2021 - 03.2022
- Checking Files with KYC, title information, and documents for each property.
- Personal discussion with customer at Business address, collateral and Customer residence visit.
- Analyses credit financial data such as income growth, profitability, stability, and cashflows etc.
- Credit assessment based on various checks such as CIBIL, financial, legal & technical reports.
- Case recommended for approval in compliance with credit policy.
- Prepared and submitted loan applications to underwriters.
- Loan Disbursement.
- Manage PDD, OTC and Disbursement process.
- To process the Home Loan products.
- Maintaining and updating the daily MIS / tracker of Bihar State.
Tellar
IndusInd Bank
04.2020 - 04.2021
- Maintaining all the Register and files.
- Tallying of cash with Cash registers and CBS cash GL.
- Ensuring Cash within Prescribed CRL (Cash Retention Limit).
- Cash Management, Cash Handling, GL entry-posting, Trail Balance reconciliation.
- Register Maintenance.
- Maintain Branch target such as CASA, Life insurance, General insurance, Credit card, FD etc.
Officer Gaya Branch
Jana Small Finance Bank Ltd.
10.2018 - 03.2020
- Maintaining all the Register and files.
- Tallying of cash with Cash registers and CBS cash GL.
- Ensuring Cash within Prescribed CRL (Cash Retention Limit).
Teacher
03.2016 - 10.2018
- Worked as Teacher at an institute where my responsibility was teaching Mathematics.
Education
Graduation - Mathematics
Magadh University
07-2012
Intermediate - Science
Bihar Intermediate Education Council
Patna, Bihar03-2009
S.S.C -
Bihar School Examination Board
Patna, Bihar03-2007
Post Graduate - Mathematics
Magadh University
01-2016
BLIS - Library Science
Magadh University
01-2016
Skills
- Problem solving
- Banking system familiarity
- Leadership aptitude
- Loan processing software
- Risk evaluations
- Banking operations
- Relationship Management
- Asset valuation
- Microsoft Excel proficiency
- Customer handling
- Decision-Making confidence
Languages
Hindi
English
Additional Qualification
BLIS (Bachelor in Library Science), Magadh University, 2016-01-01, Basic knowledge in Computer Application
Disclaimer
I do hereby declare that the contents of my above profile are correct to the best of my knowledge and nothing has been cancelled therein.
Hobbies and interests
- Reading books
- Listening to music
Timeline
Credit Manager- Retail Assets
Utkarsh Small finance Bank
04.2025 - Current
Branch Credit Manager-Home Loans
Cholamandlam Investment and finance company
09.2022 - 03.2025
Branch Credit Manager in LAP and Home loan
Finova Capital Pvt. Ltd.
03.2022 - 09.2022
Credit Underwriter - Affordable and Micro Housing
Jana Small Finance Bank Ltd.
05.2021 - 03.2022
Tellar
IndusInd Bank
04.2020 - 04.2021
Officer Gaya Branch
Jana Small Finance Bank Ltd.
10.2018 - 03.2020
Teacher
03.2016 - 10.2018
Graduation - Mathematics
Magadh University
Intermediate - Science
Bihar Intermediate Education Council
S.S.C -
Bihar School Examination Board
Post Graduate - Mathematics
Magadh University
BLIS - Library Science
Magadh University