CURRICULUM VITAE

A. Kiran Kumar

No.** Ganga Street 1st Main Road, Jyoti Nagar

Annanur, Chennai-600062 Phone: +91-988*******

E-mail: adr6z8@r.postjobfree.com

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)

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