Yumnam Bungbung
Indore
Summary
Seeking a challenging position in Retail Finance, Banking, Securities and Investment Analysis with leading organizations; preferably in Madhya Pradesh and Delhi
Seeking a challenging position in Retail Finance, Banking, Securities and Investment Analysis with leading organizations; preferably in Madhya Pradesh and Delhi Career Synopsis B.com. Graduate over 17 years rich experience in Credit Management, Product Management, Team Management, Business Development and Client Relationship Management in the Financial Service sector. Currently designated as Regional Credit Head Central Zone (Secure and Unsecured lending) Jana Small finance Bank Ltd. Experienced in handling Credit, Disbursal and Collections for various purposes. Adroit in implementing systems / procedures with proven ability to achieve financial discipline & achieve profitability. Team based management style with abilities in creating a conducive environment to work. Detail oriented with an analytical bent of mind and a positive attitude. Excellent communication, organizational and interpersonal skills help to perform task under any circumstance and achieve the success.
Overview
18
18
years of professional experience
Work History
Regional Credit Head
Jana Small Finance Bank Ltd.
02.2016 - 03.2024
- Analysis of recommended cases for decision through all credit reports Via PD report, Cibil, Legal and Technical Reports
- Decision of case within TAT
- Conduct PD wherever reqd
- Team handling of Credit and Ops works for 8 branches of Central Zone
- Monitoring of credit team for smooth functioning and quality control
- Recruitment and training of new employee
- Monitoring disbursements process for timely disbursement without error and complete documentation
- Co ordinate with various vendors for quick and accurate reports
- Coordinate with Sales Team to resolve discrepancies of files and customer related query
- Monthly Analysis of Approval Rejection Ratio
- Monthly Analysis of portfolio ( Bounce and Delinquency) Quick resolution of customer related query.
Cluster Credit Manager
Thirumeni Finance Pvt Ltd. (Varthana)
12.2014 - 01.2016
- Analysis of all credit reports Via Cibil, Legal and Technical Reports
- Analysis of case and Preparing Credit Appraisal
- Conduct PD
- Appraisal of case for decision
- Decision of case within TAT
- Checking disbursements process for timely disbursement without error and complete documentation
- Co ordinate with vendors (Technical and legal) for Quick and accurate reports
- Coordinate with Sales Team to resolve discrepancies of files and customer related query
- Monthly Analysis of Approval Rejection Ratio
- Monthly Analysis of portfolio ( Bounce and Delinquency) Quick resolution of customer related query.
Asst Credit Manager
India Infoline Finance Ltd. Indore (MP)
11.2011 - 11.2014
- Analysis of all credit reports Via Cibil, Cpv, Legal and Technical Reports
- Analysis of case and Preparing Credit Appraisal
- Appraisal of case for decision
- Decision of case within TAT
- Minimized audit query in files
- Co ordinate with vendors for Quick and accurate reports
- Coordinate with Sales Team to resolve discrepancies of files and customer related query
- Handling delinquency of portfolio
- Maintaining all expenses of the Branch
- Quick resolution of customer related query
- Developing portfolios of various markets, preparing credit appraisal and handling delinquency of portfolio.
Branch Processing Officer (Credit Analysis)
Fullerton India Credit Company Ltd. (A concern of Tamesek group of Singapore) in Indore (MP)
01.2007 - 10.2011
- Making the customers aware of specific area about the product and the company
- Apprehending the clients about the service of the company
- Maintaining amicable relationship with the customers through regular follow ups
- Checking documentation of the clients for login
- Co-ordinate with customer as well as sales teams for quick and timely resolution for discrepancies in files
- Coordination with sales team for early resolution discrepancies in files.
- Coordination with Credit team for quick decision of cases
- Make proper documentation for disbursal of loan
- Booking files whithin TAT
- Ensure files to be booked with FTR ( First Time Right ) Maintaining MIS of Branches located in MP and CG Maintain all workflow of branches
- Quick resolution of customer related query
- Developing portfolios of various markets, preparing credit appraisal and handling delinquency of portfolio.
Team Leader Personal Loan
HSBC (RUSHAB MARKETING SOLUTION)
10.2006 - 12.2006
- Supervised the transaction of Big Ticket Loans for salaried, Self-employee Professional & business class people
- Handling monthly disbursement worth Rs.10-15 lakhs Marketing for banking products Formulate Business and marketing strategies to achieve business plan
- Effectively represent the company at client organization and generate interest resulting in business, Maintain relationship with customers for sustained growth
- Handling a team of 9 members
- Given proper training of newly recruited FOS, Motivate team members, to achieve individual target as well as team target.
Sales Executive
HBL Global Pvt. Ltd.
10.2005 - 09.2006
- Marketing for various banking products, Personal loan, credit cards etc
- Marketing for banks co-product post-paid connection of idea cellular ltd
- Formulate Business and marketing strategies to achieve business plan
- Effectively represent the company at client organization and generate interest in business relationship
- Maintain relationship with customers for sustained growth.
Education
High School examination -
Board of Secondary Education Manipur
01.2007
B.Com -
Indore Christian College Indore ( Affiliated in D.A.V.V)
01.2003
Higher Secondary Examination -
Council of Higher Secondary Education Manipur
01.1999
Skills
- Credit appraisal
- Credit Screening
- Supervising
- Portfolio Optimization
- Fraud Control
- Credit Control
- Market Evaluation
- Delinquency Management
- Business Development
- Sales Strategies
- Competitor Analysis
- Lead Generation
- Team Management
- Manpower Planning
- Recruitment
- Induction
- Training
- Performance Management
- Motivation
- Client Relationship Management
- Query Resolution
- Receivable Management
- Collection Plans
- Risk Management
- Service Provider Management
- Operations Management
- Back-end Operations
- Grievance Resolution
- Client Relations
Additional Information
Dynamic commerce graduate with more than 17year experience in Credit underwriting, marketing, and operation. Ability to perform and achieve groups objectives without direct supervision, self-motivator, go-getter and a good team player.
Itexperience
Windows, MS Office, Open Office, Internet etc.
Languageproficiency
Hindi, English, Manipuri
Personal Information
- Father's Name: Shri Y.Rajendro Singh
- Date of Birth: 03/19/1981
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Disclaimer
I hereby declare that the above information is correct to the best of my knowledge.
Timeline
Regional Credit Head
Jana Small Finance Bank Ltd.
02.2016 - 03.2024
Cluster Credit Manager
Thirumeni Finance Pvt Ltd. (Varthana)
12.2014 - 01.2016
Asst Credit Manager
India Infoline Finance Ltd. Indore (MP)
11.2011 - 11.2014
Branch Processing Officer (Credit Analysis)
Fullerton India Credit Company Ltd. (A concern of Tamesek group of Singapore) in Indore (MP)
01.2007 - 10.2011
Team Leader Personal Loan
HSBC (RUSHAB MARKETING SOLUTION)
10.2006 - 12.2006
Sales Executive
HBL Global Pvt. Ltd.
10.2005 - 09.2006
High School examination -
Board of Secondary Education Manipur
B.Com -
Indore Christian College Indore ( Affiliated in D.A.V.V)
Higher Secondary Examination -
Council of Higher Secondary Education Manipur
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