Vivek Kumar
Patna
Summary
To work with highly professional organizations in a challenging atmosphere, which provide ample opportunities for growth in competitive world, where I learn something new each day and contribute for my organization to grow.
Having 12+ years’ experience in Business Strategy Planning with Sales, Sales Support, Credit Underwriting, Approval and operation control in Finance business of Auto (Tractor, CV, CE, PV, SCV, PPD). Present Job: - SPH –Used Tractor, Bihar & Jharkhand with West Bengal as Additional in Indusind Bank, Tractor & Farm Equipment Division since May 2022
Overview
19
19
years of professional experience
1
1
Certification
Work History
State Product Head- Sales- Used Tractor Bihar and Jharkhand
IndusInd Bank Ltd
05.2022 - Current
- Making a Good Team of Used Tractor in the State Bihar, Jharkhand and West Bengal.
- Maintain the relationship with the existing DSA and Add new Used Dealer/DSA to Increase Business in the region.
- For Business Development, Add and Change policy norm as per Market Requirement within company domain.
- To maintain Good Portfolio with Minimum Delinquency.
- West Bengal as Additional
State Credit Manager- Bihar and Jharkhand
IndusInd Bank Ltd
09.2014 - 04.2022
- Maintain the relationship with the existing corporate clients and cross sell banking products to suits their requirements.
- To evaluate the clients on the policy parameters, prepare appraisal notes, coordinate with the related departments like risk, compliance, Legal etc., accord their approval and presenting notes to the sanctioning committee.
- Preparing disbursal documents, facilitating disbursals in coordination with operational groups and monitoring the customer accounts on a regular basis.
- Monitoring various MIS's from the central teams and the completion of the operational processes within the defined time frame.
- Achievements: Maintained a clean portfolio all though the tenure with minimum NPA and opening of the new locations. Implementation of new IT application in Bihar and Jharkhand.
- CFD
Assistant manager- operation
Bussan Automobiles and Finance Ltd
02.2014 - 08.2014
- Underwriting for Toyota Vehicles finances and capturing the proper Deviations.
- Analysis of the proposals in accordance with the policy parameters.
- Preparing appraisal notes, coordinating with various business groups for approval, presentation of the business proposal to the sanctioning board and timely release of the approval minutes.
- Tracking MIS and reporting data to the higher authorities.
- Tracking appraisals, preparing disbursement documents, facilitating their execution and the disbursement of the facilities granted with the coordination of the operational groups within the specified TAT
- Disbursements in Finnone
- Banking- PDC checking and forwarding for presentation on due dates.
- Post Checking- File matching with scanned and original. RCU check and Credit approval checking.
- (Credit and operation control part of Toyota Finance Ltd)
SCB (Supervisor of credit and Banking)-Haryana
IndusInd Bank Ltd
06.2012 - 02.2014
- Payment Control-Dealer/Employee and Branch.
- Deal Boarding Controls- Business Booking Property
- Collection Controls-BRS/CRA enquiry, Banking Process strictly adhere in Branch.
- General controls- Ensure the approval level (For Business, Settlement, Employee Payment, Admin and other payment and payout).Flag Change/ Followup for RC/ IP Pending. NOC issue.
- Documentation Controls- Doc forwarded to Kara after documentation.
- Branch Visits: - Branch visit and review the local control, Verify the local registers, issue a review report locally and ensure correction/compliance.
- Technical Support: - Technical Support to the branches, like-Prolendz, PACT & VPN/Lease Line. Other System Applications (Like HHT). User ID and Log in Control maintenance.
- Promoted as
Credit officer
IndusInd Bank Ltd
08.2010 - 05.2012
- Proper documentation checking and credit analysis of all commercial vehicles (New/Used) – CV, CE, Auto, PV Business Proposals.
- Monitoring the quality of the portfolio and take necessary actions to correct the abnormalities.
- Facilitate documentation and disbursals and monitoring the customer accounts on a regular basis.
- Keep a close track on the status of the post disbursement docs and ensure their regular updation.
- Scrutinizing the files and detail evaluation of the customer in line with the existing policies.
- Ensuring the completion of the activities within the specified TAT.
- Doing TVR for cross checking and verification of proposal.
- Responsible for co-ordination with Corporate & locations for different activities.
- Responsible for MIS Reporting to Corporate on Daily Basis.
- Promoted as
Supervisor Payment-IMFS
IndusInd Bank Ltd
09.2007 - 07.2010
- Responsible for Business payment, employee exp, Branch exp and miscellaneous exp of Haryana State.
- Accounting and Transfer of all business payments and expenses through E-route transfer (RTGS, NEFT and Account Transfer)
- Making Payment on Daily Basis as per TAT.
- Sending Hardcopy to Corporate office on daily basis.
- MIS Reporting on daily basis.
- (A Finance division of Indusind Bank Ltd)
Education
MBA - Finance
PTU
B.Sc (H) - undefined
Dr.Bhimrao Ambedkar University
MuzaffarpurIntermediate - undefined
B.I.E.C.
Matriculation - undefined
B.S.E.B.
Skills
Self confident and positive attitude
Self-motivated and quick learner in emerging new things
Strong team building skills with proficiency at grasping new concepts quickly and utilize the same in a productive manner
Team Leader and motivator
Certification
Diploma in Computer Application from ‘E-soft solution’ in Delhi
Interests
Hobbies - Reading, Movies and Music, Chess
Personal Details
- Father Name - Shri Bachcha Prasad
- Date of Birth - 1985-02-18
- Marital status - Married
- Language Known - Hindi, English
- Nationality - Indian
- Blood Group - A+
- Permanent Address - Vill Chatia, Dist-East Champaran, Bihar
- Present Address - Flat No 303, Neelgiri Apartment, Near RPS Law College, Belley Road, Patna -801503
Timeline
State Product Head- Sales- Used Tractor Bihar and Jharkhand
IndusInd Bank Ltd
05.2022 - Current
State Credit Manager- Bihar and Jharkhand
IndusInd Bank Ltd
09.2014 - 04.2022
Assistant manager- operation
Bussan Automobiles and Finance Ltd
02.2014 - 08.2014
SCB (Supervisor of credit and Banking)-Haryana
IndusInd Bank Ltd
06.2012 - 02.2014
Credit officer
IndusInd Bank Ltd
08.2010 - 05.2012
Supervisor Payment-IMFS
IndusInd Bank Ltd
09.2007 - 07.2010
B.Sc (H) - undefined
Dr.Bhimrao Ambedkar University
Intermediate - undefined
B.I.E.C.
Matriculation - undefined
B.S.E.B.
MBA - Finance
PTU