Vinod Kumar
Credit Manager at HDFC Bank
- Role
- Agri Credit Manager at HDFC Bank
- Location
- Indore, MP, IN
- LinkedIn followers
- 500 followers
About Vinod Kumar
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Experience
Agri Credit Manager
Oct 2023 — Present · Dewas, IN
Awarded\"Best Credit Manager Overall in M.P\" for the year 2024-25Primary Responsibilities1.*Loan Origination and Disbursement*: Originate and disburse agricultural loans to farmers, agricultural entrepreneurs, and rural businesses.2.*Credit Appraisal*: Evaluate the creditworthiness of borrowers, assess risk, and make informed lending decisions.3.*Customer Relationship Management*: Build and maintain relationships with existing and potential customers, understanding their financial needs and providing tailored solutions.Secondary Responsibilities1.*Market Research and Intelligence*: Gather market insights, competitor analysis, and industry trends to identify business opportunities.2.*Product Knowledge*: Stay updated on HDFC\'s agricultural loan products, schemes, and policies.3.*Risk Management*: Identify, assess, and mitigate credit risks, ensuring compliance with regulatory guidelines.4.*Team Management*: Lead and mentor a team of credit officers, providing guidance and support to achieve business targets.5.*Reporting and Analytics*: Prepare and submit regular reports on loan performance, customer acquisition, and market trends.6.*Compliance and Regulatory*: Ensure adherence to HDFC\'s policies, procedures, and regulatory requirements.7.*Business Development*: Identify new business opportunities, expand existing relationships, and achieve sales targets.Key Performance Indicators (KPIs)1.*Loan Growth*: Achieve targeted loan growth, both in terms of quantity and quality.2.*Credit Quality*: Maintain a high credit quality, with minimal non-performing assets (NPAs).3.*Customer Satisfaction*: Ensure high customer satisfaction levels through effective relationship management.4.*Risk Management*: Maintain a low risk profile, with minimal credit losses.
Education
Jawahar Navodaya Vidyalaya (JNV)
Computer Science, Science stream ( Physics, chemistry,Maths)
2007 — 2014
Marathwada Agricultural University, Parbhani
Bachelor of Technology - BTech
2015 — 2019
National Institute of Agricultural Marketing (NIAM), Jaipur
PGDM
2019 — 2021
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