Ankit Kumar
Branch Credit Manager
Vidur Nagar Indore
Summary
To contribute best of my efforts, skills and learning towards the attainment of a responsible position in the organization and to move up on ladder of success by availing the opportunities.
Overview
5
5
years of professional experience
2
2
Languages
Work History
Branch Credit Manager
Shubham Housing Development Finance Company
02.2023 - Current
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Assessment of borrowers' profiles, repayment capacity, and income stability.
- Visiting the business premises, property, and residence of the customer at PD time.
- Understanding of actual business income and expenses (other than reported income) of the customer.
- Processing conditional and final approval for disbursement.
- Legal and technical assessment of property paper.
- Deed document, mortgage document, legal technical, RCU assessment for final approval.
- Clear all the disbursement processes.
- Coordinate with the sales coordinator or sales manager to discuss the query.
- PDD and portfolio management.
- Files are being checked as per the credit policy.
- Branch PD maintain within tat.
- All operations related work.
Operations Executive
Iffco Kisan Finance Limited
06.2022 - 01.2023
- Oversaw daily operations activities, ensuring smooth functioning across all departments while maintaining high-quality standards.
- Efficiently and effectively identified and solved all problems that impacted direction of business.
- Physical file handling.
- CV loan and used CV loan disbursement processes.
- Customer service handling.
- Audit query resolution.
- All operations related work.
Cashier
Reliance SMART Point
01.2021 - 05.2022
- Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
- Welcomed customers and helped determine their needs.
- Maintained a balanced cash drawer, ensuring accurate accounting at the end of each shift.
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
- Addressed customer needs and made product recommendations to increase sales.
- Used POS system to enter orders, process payments and issue receipts.
Education
Bachelor of Science -
Barkatullah Vishwavidyalaya Bhopal
Bhopal, India 04.2001 -
High School Diploma -
Madhya Pradesh Board of Secondary Education
Bhopal, India 04.2001 -
High School Diploma -
Madhya Pradesh Board of Secondary Education
Bhopal, India 04.2001 -
Skills
Loan underwriting
Sales strategies
Credit analysis
Portfolio management
Debt restructuring
Credit risk management
Teamwork and collaboration
Additional Information
I hereby declare that all the above given information are true according to the my best knowledge .
Timeline
Branch Credit Manager
Shubham Housing Development Finance Company
02.2023 - Current
Operations Executive
Iffco Kisan Finance Limited
06.2022 - 01.2023
Cashier
Reliance SMART Point
01.2021 - 05.2022
Bachelor of Science -
Barkatullah Vishwavidyalaya Bhopal
04.2001 -
High School Diploma -
Madhya Pradesh Board of Secondary Education
04.2001 -
High School Diploma -
Madhya Pradesh Board of Secondary Education
04.2001 -
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