Sunil Kumar
Chandigarh
Summary
Page 1 of 3 Banking and Finance Professional with 18+ years of experience Analytical results-oriented banking and finance professional passionate with providing financial services to MSME clients. Proven expertise with an in-depth understanding of banking practices, financial products, risk mitigation and compliances. Excellent problem- solving skills and ability to manage team. Experience in managing 98 Branches of Bank of India, Pune Zone with MSME portfolio of Rs.
Overview
19
19
years of professional experience
5
5
years of post-secondary education
3
3
Certifications
Work History
Co Founder and Chief Financial Officer
Unite and Rule Marketplace Private Limited
Chandigarh
11.2021 - Current
- ECommerce Platform for Commercial Vehicle Owners
- Raised Rs
- 4.05 Crores funding and onboarded angel investors Kunal Shah (Founder - CRED) and other prominent investors
- Achieved annual Insurance sales of Rs
- 12.00 Crore with y-o-y growth of 122%
- Grew the team size to 62 (300% increase) and launched the operations all over India
- Managed relationships with investors, banks and other financial institutions.
Assistant General Manager
Bank of India, SME City Center
Pune
06.2018 - 11.2021
- Managed 98 Branches of Bank of India, Pune Zone with Growth of MSME Credit from Rs.1541 Crores as on 31.03.2019 to Rs.1827 Crores as on 31.03.2021
- Surpassed the business targets allotted continuously for 2 years with y-o-y growth of 36%
- Achieved MSME business of Rs
- 214.90 Crores (107.45%) against the target of Rs
- 200.00 Crores in FY 2019-20
- Achieved MSME business of Rs
- 246.42 Crores (107.14%) against the target of Rs
- 230.00 Crores in FY 2020-21
- 157% Growth in new MSME Clients
- Delivered gross NPA of 1.16% vs gross NPA of bank at 9.30% as on 30.09.2022 (even after 3 years) with probable loss of Nil to the bank
- The Total loan disbursements made were Rs
- 595.00 Crore.
Chief Manager
Bank of India, National Banking Group
New Delhi
07.2015 - 06.2018
- Y-o-y growth of 21% in the total credit portfolio handled by me which grew from Rs.26951.00 Crores as on 31.03.2017 to Rs.32570.00 Crores as on 31.03.2018
- Delivered the credit portfolio of Rs
- 32570 Crores (108.5%) against the target of Rs
- 30020 Crores for March 2018
- Responsible for Processing/ Scrutinizing of Credit Proposals, quality of proposals, timely review of A/cs and providing support to Zones as in charge of Credit Department at National Banking Group (North) comprising 6 States/UT of
- India
Branch Manager
Bank of India
New Delhi
10.2012 - 07.2015
- Led the categorization of branch from Very Large (60 to 175 crores) to exceptionally Large (175 to 750 crores)
- Improved risk rating of the branch from high Increasing to Medium stable which helped in improving the rating for the zone
- Reduced NPA from Rs
- 22.17 Crores to Rs
- 9.09 Crores and achieved highest growth of CASA deposits in the Zone
- Initiated the Cluster Based lending scheme for Footwear Manufacturers and generated new business of Rs
- 90.00
- Crores with Nil NPA
- Overall in charge of the SME Branch having supervisory role over credit and operations team, achieving business targets, credit monitoring, recovery and NPA management.
Bank of India and Oriental Bank of Commerce, Across India, Bank of India
New
06.2003 - 06.2012
- Managed ~Rs
- 1400 Crores credit portfolio as Senior Relationship Manager, Mid Corporate
- Branch
- Over 6 years of experience in MSME Credit at Oriental Bank of Commerce as Manager (Credit) Regional Office,
- Bathinda, Credit Incharge at Gidderbaha Branch and Credit Officer at
Education
CAIIB -
Indian Institute of Banking and Finance
Diploma - Treasury Investment & Risk Management
Indian Institute of Banking and Finance
Certified Trainer of NSC’s Certification in Financial Markets (NSDL Depository Operations - CAIIB
Indian Institute of Banking and Finance
‘Bank of India
Diploma - Treasury, Investment and Risk Management
University Business School, Panjab University
05.1999 - 04.2001
Diploma - Business Finance
Indian Institute of Banking and Finance, Banking and Finance
Master of Business Administration - HR
The ICFAI University
05.2005 - 05.2006
Master of Commerce - undefined
University Business School, Panjab University
05.2001 - 04.2003
Skills
TECHNICAL SKILLSundefined
Accomplishments
- Certificate in Commercial Credit from Moody’s
- Analytics
Certification
Financial Analysis Risk Management Banking Credit Analysis Business Development Accounting
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Co Founder and Chief Financial Officer
Unite and Rule Marketplace Private Limited
11.2021 - Current
Assistant General Manager
Bank of India, SME City Center
06.2018 - 11.2021
Chief Manager
Bank of India, National Banking Group
07.2015 - 06.2018
Branch Manager
Bank of India
10.2012 - 07.2015
Master of Business Administration - HR
The ICFAI University
05.2005 - 05.2006
Bank of India and Oriental Bank of Commerce, Across India, Bank of India
06.2003 - 06.2012
Master of Commerce - undefined
University Business School, Panjab University
05.2001 - 04.2003
Diploma - Treasury, Investment and Risk Management
University Business School, Panjab University
05.1999 - 04.2001
CAIIB -
Indian Institute of Banking and Finance
Diploma - Treasury Investment & Risk Management
Indian Institute of Banking and Finance
Certified Trainer of NSC’s Certification in Financial Markets (NSDL Depository Operations - CAIIB
Indian Institute of Banking and Finance
‘Bank of India
Diploma - Business Finance
Indian Institute of Banking and Finance, Banking and Finance
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