Raghuvansh Kumar
Branch Credit Manager
- Role
- Credit Manager at SMFG India Credit
- Location
- Patna, BR, IN
- LinkedIn followers
- 500 followers
About Raghuvansh Kumar
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Experience
Credit Manager
Dec 2023 — Present · Bihar, IN
UnSecured & Secured, LAP/HLCredit Manager | SMFG India Credit, Samastipur | Dec-23– Present Key Result Areas: • Managed loan portfolios for unsecured loans (₹50K to ₹5L) and secured loans (₹6L to ₹40L), ensuring thorough evaluations and approvals. • Conducted personal discussions with clients to assess their financial needs and loan objectives, ensuring suitability for LAP and home loans. • Verified customer-submitted documents, including land tax receipts and LPC ownership, through on-site visits and OSV processes. • Adhere to RBI regulations and ensure practices are compliant. Maintain accurate documentation for audits and reporting. • Manage recovery efforts in case of default, including collateral liquidation. Collaborate with collections teams to minimize losses. • Maintain strong borrower relationships, providing support and guidance. Educate borrowers on loan implications and repayment obligations. • Lead and train a team of loan officers and credit analysts. Leverage technology and data analytics to improve processes. Achievements • Successfully managed a mixed loan portfolio, ensuring a healthy balance of secured and unsecured loans. • Reduced processing time for both secured and unsecured loans, resulting in higher customer satisfaction. • Achieved star award from SMFG in May-2024
Education
Campus Public School
Matriculation
2006 — 2007
Babasaheb Bhimrao Ambedkar Bihar University
Bachelor's degree
2010 — 2013
Kalinga University, Raipur
Bachelor of Commerce - BCom
2015 — 2018
St. Xavier Jr/Sr School, Muzaffarpur
I.Com
2007 — 2009
Swami Vivekananda Subharti University, Meerut
Master of Business Administration - MBA
2018 — 2020
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