Kumar Amitesh

ad3i38@r.postjobfree.com +1-425-***-**** https://www.linkedin.com/in/kumaramitesh29/ EDUCATION/CERTIFICATION

Executive MBA, University of Washington- Michael G. Foster School of Business, Sep’22 - May’24 Finance & Accounting, Microeconomics, Statistics, Risk Measurement,Financial Analysis, Decision Modeling etc. Financial Risk Management (FRM) certification Part I, GARP, Nov’24(expected) Post Graduate Diploma of Business Management, Rizvi Academy of Management, 2005 – 2007 Bachelor of Arts, TilkaManji Bhagalpur University. 2000 – 2003 SKILLS

PowerPoint

Tableau

Excel

Pivot tables

MS Office Suite

R

SAS

SQL

Regression

Time series

Monte Carlo

Scoring Model

Value At Risk(VaR)

Financial Analysis

Forecasting

Financial Modeling

Valuation

DCF

Ratio Analysis

Portfolio Management

Strategy Implementation

Underwriting

Team Player

Leadership

People Management

Quick Learner

WORK EXPERIENCE

Assistant Vice President Axis Bank Ltd. Feb’14 - Apr’22

Designed risk-controlled policies by analysing risk using SQL and Pivot tables, initiated changes in risk segments

(geographical, Customer profile, asset, sourcing), applied and initiated new amendment to target untapped mar- ket increasing the market share from 4% to 7% (total assets from $2.2B to $3.4B) making the product profitable.

Spread the risk to different segments which reduced high volume charge off customers, reduced the risk of 90+ DPD from 0.42% to 0.10% and further charge offs. Amended polices for high charge off customers concentrated to several ratios i.e DSCR, Current ratio, Debt to Equity ratios, other liquidity and profitability ratios.

Portfolio analysis, predictions of delinquencies and evaluating loss using statistical tools, time series, seasonality adjustments and real-time data ecosystem – including internal, bureau, and alternative data sources.

Presenting findings to senior management (Presidents, Chief Risk Officer, Business heads) on monthly basis and collaborating with IT team to automate reports like monthly dashboards,non starter report etc.

Developed a scoring model basis 37 parameters with different weighted average i.e bureau score, no of years in business, age, financial performance, different ratios, existing or new customers etc.

Proactive actions on any arising risk to mitigate or avoid risks by changing regression models and policy inter- ventions.

Financial evaluation of high values cases worth $2M or more with Detailed ratio analysis, Cash flow analysis, trend analysis, Altman z score model to predict bankruptcy probability with recommendations to committee members - Retail Risk head, Chief Risk officer, Underwriting head, Product head, National Sales head.

Partnered with Product, Sales, IT, operations, risk, compliance, fraud control teams and finance teams, explaining the current business and changes to be implemented to mitigate risk and policy changes using Blaze business rules (from FICO) and changes in Underwriting Software.

Prepared guardrails in the form of documentation of policy framework - including policies, guidelines, proce- dures, and standards. Highlighting if any breach of agreed guard rails, making the product a profitable baseline.

Amended segmentation of portfolio by increasing high interest rate customers to counter interest rate risk and reduce concentration risk as mitigating any risking risk.

Lead the project to digitize implementation of financial forecasting model, ratio analysis electronically.

Travelled across multiple locations to implement changes in polices as per the location (pertaining to demo- graphics and regional requirements).

Supervised and developed a team of multiple managers and team members.

Monitored orientation, mentored and trained credit and partner teams on - initiating changes in processes (de- veloped scoring models),Process and Policy for credit worthy portfolio creation. Area Credit Manager

Maintained best Turnaround time in the state, with regular emphasis on enhancing efficiency.

Introduced Queuing system which helped to have one of the best processes in the state.

Evaluating Financial Statements and approving credit proposal of Mortgages, Refinance, Auto loans, Business loans and Commercial vehicle + construction Equipment loans, Personal loans and Student loans within ap- proval limit in the system.

Proposing credit approvals with deviations to seniors with key strengths and weaknesses of the credit requests in the system.

Monitoring underwritten portfolios and evaluating the performance of Credit managers, credit officers accord- ingly.

Recommending cases basis loan amounts, risk ratings within policy framework using cash flow statements, trend analysis, Altman z score models to check bankruptcy probability.

Analysis of financial statements with trend analysis and ratio analysis and accordingly took decisions on credit proposal or recommending the same to senior management.

Evaluating collateral quality and values basis valuation report of the appointed vendor/vendors.

Maintained one of the best Audit reports as A+ in the country and was awarded thrice in consecutive years.

Collaborating with sales team to maintain an average disbursement of $10m month-on-month basis.

Build a portfolio of $650 million with one of the least delinquencies. i.e 30+ dpd at

Collaboration with collection team to reduce account receivables and solving complex delinquent cases.

Training sales team, distribution channels and sourcing agencies which helped to login completed files and thus reducing TAT.

Onboarding Vendors for collateral valuation, Field verification report and legal team for legal reports.

Guided the team in creation and execution of customer data base, managing legal cases of delinquent customers and case filings.

Build score cards for Sourcing agents, dealers -basis portfolio performance, delinquencies and post disbursement document collection.

Senior Credit Manager HDFC Bank Ltd. Mar’11 - Jan’14

Managed high balance Secured Loans - Underwriting of Auto loan and Used Car loans.

Dealer funding management by proposing loans and providing loan credit to onboarded dealers.

Onboarding and evaluating vendor performance basis their TAT and portfolio delinquencies.

Awarded for maximising digitization process of around 98% across all dealers to have best TAT across the coun- try.

Managed a team of multiple members across Credit, Operations and Collections.

Mentoring, Training credit data entry team, sourcing agents, sales team, dealers to have best quality files to be sourced with completed documents to improve efficiency.

Collaborated with Verification, Legal and Technical agencies and provide regular feedback to improve quality and efficiency to help in improving TAT.

Executed Regular market and dealer visits to get feedback as to improve credit processes to align with industry requirements.

Provide Audit report feedback and implemented processes amendments as recommended. Credit Manager Fullerton India Credit Co. Ltd. Apr’08 - Mar’11

Appreciated by Business, Regional & State Head for zero non-starters.

Achieved Operational Break-even month on month by Controlling Flow on NCL, increasing disbursement Vol- ume with clean portfolio, helping Income through Cross Sell & Decreasing the Overhead expenditure by 20%.

Ensured the location breaks even in the first 12 months of operations (with no write-offs and zero non starters).

Maintained Audit Score “A Rating” for Branch & File review with score of 99.30%.

o Maintained one of the lowest charge off rates.

Handled branch credit and processing of products like Business loans,Mortgages, Auto loan, commercial vehi- cle.

Migrated to centrally processing for products like Business Loan and Personal Loan. Credit Officer IndiaBulls Jan’07 - Jan’08

Handled Personal Loan Mid ticket & STPLs, credit risk involved with the sanctioning of personal loan to a customer.

Used credit discretion & authority to ensure quality of portfolio and funding the right customer with right amount.

Performed budget analysis, interviewed customers, handled external defaulters’ check and ensured file comple- tion as per the credit parameters & dispatching the file to HO within TAT.

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