Vikash Kumar

• Provided strong leadership to enhance team productivity and morale.
• Implemented and developed operational standards, policies and procedures.
• Product and policies of co-lending with various NBFCs.
• Evaluating various parameter of risk involved in entering co-lending arrangement with NBFCs.

• Review and approve credit proposals, ensuring appropriate risk assessment and adherence to credit policies.
• Build and maintain relationships with key MSME clients, understanding their financial needs and providing tailored solutions.
• Collaborate with internal stakeholders, such as credit and risk management teams, to ensure effective risk assessment and mitigation strategies.
• Develop and implement strategies to achieve business growth and profitability targets in the MSME lending segment.
• Strong knowledge of regulatory requirements and compliance related to MSME banking.
• Ability to identify potential risks and develop appropriate risk mitigation strategies for MSME lending.
• Proven track record in managing a portfolio of MSME clients, ensuring timely loan disbursements and repayments.
• Strong understanding of MSME lending products and services, including working capital loans, term loans, and trade finance.
• Proficient in analyzing financial statements and assessing creditworthiness of MSME clients.

• Processing and review of credit proposal of corporate clients.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Reviewed and analyzed loan procedures.
• Obtained and interpreted financial statements to assist in credit limit reviews.
• Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.

• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Work cross-functionally with sales, management and other departments to maintain effective operations.
• Obtained and interpreted financial statements to assist in credit limit reviews.
• Oversaw reporting, documentation and recordkeeping requirements for department.

Dealing In Basic Products of Advances (Home Loans, Mortgage Loan, Car Loans, Personal, Loans, Loans against Security), Processing of loans, Documentation Of Loan Documents,
Opening Loan Accounts, Follow up, Inspection, Recovery, Managing NPA, Financial advisor for Mutual Fund & life insurance Products & Maintaining Customer Database at Union Loan
Point, Union Bank of India, Coimbatore, Tamilnadu.

• Coordinated customer service team projects, achieving successful on-time completion.
• Generated, compiled and distributed reports of sales leads and up-sell opportunities.
• Built strong relationships with field operations team to support business development opportunities and improve service.
• Resolved escalated customer service disputes and complaints, leading to increased customer satisfaction.
• Meeting or exceeding sales targets.
• Providing product or service recommendations based on customer needs and preferences.
• Keeping accurate records of customer interactions and transactions for future reference.
• Conducting regular follow-ups with customers to ensure their needs are being met and to gather feedback.
• Identifying opportunities for upselling or cross-selling products or services to existing customers.
• Building and maintaining strong relationships with customers to ensure their satisfaction and loyalty.
• Monitoring and tracking customer orders and ensuring on-time delivery.