Summary
Overview
Work History
Education
Skills
Interests
Timeline
Roles And Responsibilities
Personal Information
Summerinternship
Computingskills
Extracurricular Activities
Projects
Training
Roles And Responsibilities
Personal Information
Summerinternship
Computingskills
Extracurricular Activities
Projects
Training
Hi, I’m

Vishnu H

Risk Manager
Delhi

Summary

Analytical credit expert with 11 years of experience in financial services

industry. To work and excel in a competitive financial environment where they provides an opportunity to exhibit the skill acquired and enhance the same while contributing towards company's growth and myself.

Overview

11
years of professional experience
83
years of post-secondary education
4
Languages

Work History

HDFC Bank

Asst Vice President
8 2016 - Current

Job overview

  • Underwriting retail / strategic & working capital proposals related to commercial transportation / infrastructure industry.
  • Recommending & Approving post assessing credit history / financials status & banking performance of the proposal.
  • Portfolio Monitoring & book keeping included tracking of DPD , Identification of Stress accounts and planning their smooth exit, Follow up on critical deferral, Updation of call memos , Closure of stock Audits, Follow up on low churn accounts.
  • Timely trainings to other stakeholders such as:- business / operation and channel partners for changes/updation in policy and process
  • Regular visits to delinquent a/c / newly onboarded a/c / channel and dealers
  • Mentored junior team members in credit management best practices to enhance overall department performance.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • First Person Responsible in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.

Reliance Capital Limited

Branch Credit Manager
01.2015 - 08.2016

Job overview

  • Underwriting of proposal for Used Car / Commercial Vehicle and Commercial Equipment.
  • Reviewed and approved retail credit applications, exercising sound judgment in line with company policies and risk appetite.
  • Referred delinquent accounts to collections department and working closely with team for resolutions
  • Frequent market and financier visits to understand the market demands and offering.

Magma Fincorp Limited

Credit Analyst
04.2013 - 12.2014

Job overview

  • Joined as Management Trainee - understood the need of an underwriter - learned policies and process related to proposal underwriting
  • Frequent visit along with mentor on all cases to understand the geography / customer & how personal discussion been done with client
  • Regular visits to dealer to understand the asset / application or deployment / market offerings / demand etc
  • Visits to Financier to understand their way of due diligence / policies / market demand / collection mechanism.
  • Handled ULCV and LCV product for All Kerala.

Education

Institute of Management & Technology
Hyderabad, India

MBA from Finance
04.2001

University Overview

St Thomas College
Kerala, India

Bachelor of Arts from Economics
04.2001 - 04.2011

University Overview

Dehradun Public School, Ghaziabad
Ghaziabad, India

10+2 with Commerce
06.2007

University Overview

St. Mary’s Convent School, Ghaziabad
Ghaziabad

Matriculation
06.2005

University Overview

Skills

Risk Management

Interests

Photography

Auto Maniac

Timeline

Branch Credit Manager
Reliance Capital Limited
01.2015 - 08.2016
Credit Analyst
Magma Fincorp Limited
04.2013 - 12.2014
Institute of Management & Technology
MBA from Finance
04.2001
St Thomas College
Bachelor of Arts from Economics
04.2001 - 04.2011
Asst Vice President
HDFC Bank
8 2016 - Current
Dehradun Public School, Ghaziabad
10+2 with Commerce
04.2007
St. Mary’s Convent School, Ghaziabad
Matriculation
04.2005

Roles And Responsibilities

Roles And Responsibilities
  • Underwriting deals of Commercial Vehicles, Construction Equipment & Working capital for Delhi-NCR of retail & strategic segment
  • Utilizing Cibil and Experian for analyzing the credit worthiness of the client
  • Assessing audited financials of the client
  • Vendor Management
  • Working closely with collection associates for controlling the bad debts levels across the portfolio
  • Maintaining TAT for timely approval for various customer categories.
  • Maintaining MIS reports on day to day basis for login and rejection of files.
  • Field visits on MoM basis: - Mainly to competitors, Dealerships and Clients
  • Timely training provided to sales counterparts, DSA and DST regarding new policies, products and schemes

Personal Information

Personal Information
  • Date of Birth: 04/24/1989
  • Nationality: Indian

Summerinternship

Summerinternship
GMR Airport Developers Limited, Effective use of Business Intelligence in GHIAL, Given suggestion regarding how BI functions in similar and other industries, and what all new tools are available in the market which helps in managing the data more efficiently., 02/24/2012 - 06/08/2012

Computingskills

Computingskills
  • Documentation – MS Office (Word, PowerPoint, Excel)
  • Operating System – Net Browsing

Extracurricular Activities

Extracurricular Activities
Won the best outgoing student award from St. Thomas College, Kozhencherry Won meritorious certificates in First and Final years of graduation. Was an active member in NSS (National Service Scheme) from 2009-2011 Won various prizes in cultural events and inter-school FSLG basketball match at School level.

Projects

Projects
Finance – Valuation and comparison within FMCG sector Financial Risk Management – To check arbitrage by applying models in Options and Futures of Tata Consultancy Services. Strategy – Industry analysis of Telecommunication Sector in India Business Communication – Analyzing the business communication culture in Brazil. Marketing - Launch of new products in Adventure Sports in Hyderabad. Ethics - Corporate Social Responsibility activities of Logistics Sector in India.

Training

Training
  • Attended a 10-day special camping programme organized by National Service Scheme, in Dec 2009
  • Attended a workshop on “Leadership Training” at Lulu Convention Centre, Trichur in Dec 2009
  • Attended a two-day camp on “Leadership Training” at Maramon Convention Centre, Kozhencherry in June 2009

Roles And Responsibilities

Roles And Responsibilities
  • Underwriting deals of Commercial Vehicles, Construction Equipment & Working capital for Delhi-NCR of retail & strategic segment
  • Utilizing Cibil and Experian for analyzing the credit worthiness of the client
  • Assessing audited financials of the client
  • Vendor Management
  • Working closely with collection associates for controlling the bad debts levels across the portfolio
  • Maintaining TAT for timely approval for various customer categories.
  • Maintaining MIS reports on day to day basis for login and rejection of files.
  • Field visits on MoM basis: - Mainly to competitors, Dealerships and Clients
  • Timely training provided to sales counterparts, DSA and DST regarding new policies, products and schemes

Personal Information

Personal Information
  • Date of Birth: 04/24/1989
  • Nationality: Indian

Summerinternship

Summerinternship
GMR Airport Developers Limited, Effective use of Business Intelligence in GHIAL, Given suggestion regarding how BI functions in similar and other industries, and what all new tools are available in the market which helps in managing the data more efficiently., 02/24/2012 - 06/08/2012

Computingskills

Computingskills
  • Documentation – MS Office (Word, PowerPoint, Excel)
  • Operating System – Net Browsing

Extracurricular Activities

Extracurricular Activities
Won the best outgoing student award from St. Thomas College, Kozhencherry Won meritorious certificates in First and Final years of graduation. Was an active member in NSS (National Service Scheme) from 2009-2011 Won various prizes in cultural events and inter-school FSLG basketball match at School level.

Projects

Projects
Finance – Valuation and comparison within FMCG sector Financial Risk Management – To check arbitrage by applying models in Options and Futures of Tata Consultancy Services. Strategy – Industry analysis of Telecommunication Sector in India Business Communication – Analyzing the business communication culture in Brazil. Marketing - Launch of new products in Adventure Sports in Hyderabad. Ethics - Corporate Social Responsibility activities of Logistics Sector in India.

Training

Training
  • Attended a 10-day special camping programme organized by National Service Scheme, in Dec 2009
  • Attended a workshop on “Leadership Training” at Lulu Convention Centre, Trichur in Dec 2009
  • Attended a two-day camp on “Leadership Training” at Maramon Convention Centre, Kozhencherry in June 2009

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