Vinay Kumar B
Credit manager || secured loans || senior credit analyst || MBA || Commercial EV 3wheeler @Ecofy || Home loan || Business loan || Financial analysis || Ex Namaste credit fintech pvt ltd.
- Role
- Credit Manager at Aavas Financiers Ltd
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Vinay Kumar B
1) Calculation of Financial ratio & preparation of Scorecard2) Verification of PAN, CIBIL default, Banking Analysis using OCR Tool3) Worked under NAMASTE CREDIT as an underwriter4) Calculation of Financial Ratio & preparation of Word CAM5) Calculation of Eligibility under 5 different Programs.6) Loan Tracking and EMI Tracking7) Verification of PAN, CIBIL default, i) Personal Loanii) Housing Business Loan8) MS Excel
Experience
Credit Manager
Feb 2026 — Present · Bengaluru, IN
Managed the portfolio for branches in Karnataka.Reviewed and recommended cases proposed by Credit Managers.Conducted credit appraisal of loan applications within defined guidelines and made final decisions.Performed internal audits of credit and loan procedures.Oversaw the complete loan disbursement process.Identified fraudulent practices and mitigated risk through strategic changes in process and policy.Organized regional-level meetings with Sales, Collections, and RCU to improve portfolio creation.Managed all loan and credit requests and made formal approval decisions.
Education
Bapuji B-Schools
Master of Business Administration - MBA, Marketing Research
2018 — 2020
Kumadvathi College of Education, Shikaripura.
Bachelor of Commerce - BCom, commerce
2014 — 2017
Shree Channamallikarjuna Vidya Samsthe
Kumadvathi First Grade College, Commerce
2014 — 2017
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