Manish Kumar
Cluster Credit Head @ IIFL Home Loans | MBA, Banking, Finance
- Role
- Cluster Credit Head at IIFL Home Loans
- Location
- Ludhiana, PB, IN
- LinkedIn followers
- 500 followers
About Manish Kumar
With over 12 years of experience in the banking and NBFC sectors, I currently serve as…
Experience
Cluster Credit Head
Dec 2022 — Present · Punjab, IN
Oversee the underwriting of the loans of 10 Branches in the Expansion region for Entire Punjab.A Review the underwriting process at Expansion Location and define process as per available resources and branch requirements.Credit decision on Micro LAP Cases based on IIFL policies, processes and merits of the case for limits beyond manager underwriting.> Evolve underwriting norms customized to the local market needs and update the credit bulletins Identify fraudulent practices and mitigate risk through changes in policy and process Formulate and manage the legal evaluation process in the Expansion Region in Punjab.> Appoint and manage external agents for verification process: Fraud investigation, Legal verification and technical evaluation. Co-ordinate with the recoveries team and generate business insights to mitigate risk Resource planning and management at Expansion Locations for smooth running of operations.Planning and implementing the strategy to reduce delinquent portfolio. Co-ordinate with legal, technical, FI and RCU Team for processing the file for Sanctioned to Disbursement Stage under TAT.Responsible for delivering and maintaining quality portfolio and continuously improving TAT without compromising portfolio quality.A Training to Rm including sales team & Credit Team on Every Month Regarding Policy & Process for Business increase & Quality Purpose. Suggestion to Seniors & Policy Team for Policy Changes If Requirement as per Market Standard with Better Business Opportunity and Better Portfolio. Coordination with Legal & Collection Department for Auction Process & Possession of NPA Properties & Planning and implementing the strategy to reduce delinquent portfolio
Education
Xaviers Institute of Business Management Studies
Master of Business Administration - MBA
Panjab University,Chandigarh
Bachelor of Arts - BA
2009 — 2012
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