CURRICULUM VITAE
A. Kiran Kumar
No.** Ganga Street 1st Main Road, Jyoti Nagar
Annanur, Chennai-600062 Phone: +91-988*******
E-mail: ***********@*****.***
Career Objective:
Aspiring for a Career, which places me in a challenging position within a fast paced & learning oriented environment for developing my interpersonal skills Professional Experience:
Indostar Capital Finance Ltd (April 2022 to till Date) Operations Manager - PAN India - Vehicle Finance and Home Finance Responsibility: - Credit / Operations VF and HF
Vehicle Finance:
Disbursement
PDD Tracking
Closure Normal and Seized
NOC Issuing
BRS
Vendor Management (Centralized Storage File VF)
Control Process on Payments PAN India - Refund
Home Finance:
Disbursement
PDD Tracking / MODT
Closure
NOC Issuing
BRS
Vendor Management (Centralized Storage File HF)
Technical Efficiency
Prudence to product policy
Vendor Management Technical / Legal
Vendor Payments
Original Documents Verification as per Policy
CERSAI
Worked at Mahindra Rural Housing Finance Ltd: Feb 2018 to March 2022) Deputy Manager – TN State - Credit - Operations / Documentation (25 Branches) Product: - Affordable Housing Loan
Responsibility:
Disbursement & Documentation
Vendor /Agency Management
PDD tracking
Technical Efficiency
Prudence to product policy
Branch Relations
Post disbursement /Closures
Regulatory (CERSAI /NHB)
Vendor Payments Process (Legal / Technical)
DSA / Connector MIS
Original Documents Verification as per Policy
NEFT Approval - Disbursement
CERSAI Approval
Worked at Indusind Bank:
Manager – Grade-MM -1 Level -S-2 - Centralized Operations: (April -2017 to Feb 2018) Responsibility: -
Disbursement / Review / Foreclosure -: LAP/ HL/ BL/ GL/ LACR Product Pan India and issuing NOC
Signature Authorized NOC HL / LAP / BL for PAN India
Control Process Original Documents Verification PAN India
Control Process of Swapping Documents PAN India
Control process for Foreclosure Agreement's
Control Process Original Documents Receiving and Releasing
Control Process for Part payment and Part Documents Releasing
Physical File Review LAP / HL / BL – Post Disbursement
Disbursement Process for LAP / HL / BL Products PAN India
Documents Verification KYC / Credit Approval / Disbursement
Co – Ordinate with Legal / Credit / SH for Disbursement Related
MIS Preparation – Weekly & Monthly
HL / LAP / BL Disbursement PAN India
Original Documents Dispatch PAN India
Original Documents Received PAN India
Worked at Equitas Small Finance Bank Ltd,
Asst Manager Risk Operation - MIS (Nov-2013 to April - 2017) Nature of Work: Centralized Operation - (Chennai)
Product: HL and LAP
New DSA / Connector Empanelment PAN India
Payout process for DSA / Connector PAN India
Updating DSA & Connector Productivity Tracker
Updating Branch Wise Business Productivity
Updating MO/MM/ Wise Business Productivity
Maintained the File Login Process PAN India Weekly Basis
Maintained Collection Follow up for Bounces Cases PAN India
Maintained Collection Follow up for Approved Cases PAN India
Original Document Follow up for Disbursed Cases PAN India
Updating MODTD PAN India
Maintained the Conveyance of MO/ MM/ BM/ Sr BM Monthly Basis
Incentive workings for Branch / MO /MM /BM/ Sr BM Monthly Basis
Updating the Approved case for Sanction
Updating the data for Disbursed
Resolving the Query Form Operation / Credit Risk
Updating the Cheque Disbursed to Branch
Updating the Collection details EMI / Approved Cases Credit:
Quality Checking of Approved Files
Physical verification of customer KYC
CIBIL Verification
Income Calculation
ABB calculation
MIS:
All the above Said Considering MIS on Weekly & Monthly Basis Worked at Shriram City Union Finance Limited, Chennai Officer II –Audit in Internal Audit Department (From March 2008 to Sep-2013)
Verification of loans agreements relating to Consumer Durables, Two Wheelers,3 Wheelers, Auto Loan, personal Loan & Jewel Loan for;
Compliance of KYC documents
Loan eligibility criteria as per credit policy for various products
Cross verification of field verification report by randomly checking with the customer by phone
To check for any errors or frauds in the documents
Verification of quotation/ pro-forma invoice in case of auto loans
Verification of guarantor and the KYC compliance of the guarantor
Receipts for having paid the advance amount
Physical verification of customer KYC and assets during the branch audit on a sample basis
Verification of gold and its purity during the branch visit specially for gold loan audit
Currently verifying the documents relating to the loans advanced for enterprise finance customers
Verification of compliance of sanction terms with the documents collected
Checking the documents for the process followed in approving the loan to the customer and also checking the powers of the branch within which the loans are disbursed
Verification with regard to the mortgage of assets for the enterprise loans as per the rules
Post verification in case of auto loans with regard to the charge registration with ROC/RTO etc.
Verification on issuance of “NOC” to the contracts that has been closed
Branch visit for the verification of loan process, cash verification, visit to customer place on sample basis
Drafting audit report based on the visit to the branches and reporting them to the higher management for further action
Currently doing the gold loan audit at the branch level on All India Basis by checking the purity of the gold and the storage level and value of the loan given to the customer
During the branch visit, checking the temporary receipt genuineness with the TR books numbers issued from HO
Worked at M/s. GOPALAIYER & SUBRAMANIAN (Chartered Accountants) Working as Executive Audit from May 2006 to March 2008 by looking after inventory audit for M/s. Kapico Motors, M/s. Khiveraj Motors, Mahindra & Mahindra, Airtel –PD for Citibank, ICICI Bank and Kotak Mahindra Bank
Worked at M/s. MUKESH MEHTA & Co. (Chartered Accountants) Working as Executive Audit from April 2005 to April 2006 by preparing Balance Sheet & verifying accounts of the clients.
EDUCATIONAL QUALIFICATION:
• B.C.S Pass out Year : April 2005
From A.M. Jain College Chennai
2 TECHNICAL QUALIFICATION:
Knowledge in MS Office, Tally 6.3
Knowledge in Call Q / UNO and SVS (software used in Shriram City Union Finance Ltd)
UNO & SVS (Software Used in ESFB )
Prolendz / Financle / I Works / Talisma / IXSIGHT (Software Used in Indusind Bank)
Finone ( Software Used in Mahindra Rural Housing Finance Ltd) PERSONAL DETAILS:
Father Name : S G Avinash (Late)
Date of Birth : 11th August 1984
Marital Status : Married
Languages Read & Write : Tamil, Hindi, English
Language to Speak : English, Tamil, Kannada, Hindi, Marathi, Declaration
I hereby declare that the above said details are true to the best of my knowledge. Date: (Kiran Kumar. A)