Ashok Kumar

Zonal Credit Head @Tata Motors Finance

Rohtak, IN

Spearheaded innovative credit underwriting and early delinquency (ED) collection strategies for Commercial Vehicle loans in Punjab, Haryana, Himachal, and J&K, delivering an exceptional 1.75% ED collection rate and sustaining a 98%+ PDD rate.• Held approving authority up to 60 Lac at the ZCC level, streamlining loan origination processes, ensuring industry-standard compliance, and adhering to SOPs.• Strategically directed center audits, surpassing industry benchmarks and ensuring rigorous compliance, resulting in streamlined operations and enhanced control over X and 30+ bucket cases.• Played a pivotal role in elevating center performance, achieving top performer recognition within Tata Motors Financial Solutions in just three months.• Managed credit underwriting and early delinquency for Commercial Vehicle loans across various seasoning buckets, optimizing portfolio performance, and consistently delivering outstanding results in ED collection and portfolio maintenance. Specialties: Credit underwriting, Early delinquency (ED) collection, Commercial Vehicle loans, Industry-standard compliance, SOPs (Standard Operating Procedures), Center audits, Portfolio performance optimization, Loan origination, Rigorous compliance, Top performer recognition