Manish Kumar

Area Credit Manager - Used Car Loan

Role: Area Credit Manager - Used Car Loan at Hero FinCorp
Location: New Delhi, DL, IN
LinkedIn followers: 500 followers

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About Manish Kumar

Professional with over 15+ years’ experience in the field of Risk policy, credit analysis…

Experience

Area Credit Manager - Used Car Loan
Hero FinCorp
Jul 2022 — Present · Delhi NCR, IN
Exercised sanctioning authority for UCLand Used Car Loan products acrossDelhi/NCR, with approval limits up to ₹12Lakhs.Evaluated and underwrote loanapplications by reviewing KYC documents,banking history, CIBIL reports, andincome documentation.Maintained portfolio quality through highapproval accuracy and controlleddelinquency rates.Assessed applicants\' financial standingand repayment capacity using detailedcredit analysis and discussions.Conducted evaluations of incometo-obligation ratios and repayment trendsfor informed credit decisions.Ensured compliance with internal creditpolicies, regulatory standards, and riskmanagement frameworks.Led a team of 10 CPA Executives,ensuring high-quality credit appraisalswithin defined TAT.Organized team meetings to reviewperformance metrics and enhanceoperational efficiency.

Contact information

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Work email
•••••@herofincorp.com
Personal email
•••••@•••••.com
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Current company

Hero FinCorp

Financial Services · 8.5K employees · Founded 1991 · New Delhi, Delhi, India

Hero FinCorp is an Indian non-banking financial company (NBFC) and an associate of Hero MotoCorp, a leading two-wheeler manufacturer. Established in 1991, the company initially focused on providing working capital loans to suppliers and dealers of Hero MotoCorp. It was renamed Hero FinCorp in 2011 and has since diversified its offerings. The company provides a range of financial services, including consumer finance for purchasing Hero MotoCorp two-wheelers, loans against property, used car financing, and instant cash loans through its SimplyCash app. In the commercial lending sector, Hero FinCorp offers working capital loans, machinery and equipment loans, and financing for high-growth companies. With over 5 million active customers and a strong distribution network of over 2,000 retail touchpoints across 4,000 cities, Hero FinCorp is committed to enhancing financial inclusion, particularly in rural areas. The company holds an AA+ credit rating, allowing it to maintain a competitive cost of funds.

herofincorp.com

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