Vinu V Kumar

About Vinu V Kumar

Credit Administration(CAD) & Loan Operations for Working Capital Loans, All Vehicle Loans, Supply Chain Finance, Mortgage Loans (LAP) & Gold Loans~ Facility & Loans handled include Fund Based - Cash Credits & Overdraft, Bill Discounting, Loan Against Property(LAP) & Machinary Loans, Commercial Vehicles, Tractor & Car Loans, Gold Loans and Non-Fund based Bank Guarantees & Letter of Credit (LC)~ Security Types handled include Consortium, Pari-pasu & stand alone mortgages, Hypothecation, Pledges & Liens. Audit & Auction administration for Gold Loans- Handling Team size 100+(include skip level) across various geographies & initiates Annual Planning, Budgeting & KRA setting for entire team~ Digital initiatives in loan automation & document digitisation. Have enabled automation in MSME Supply Chain drawdown which has won Gold Award from Confederation of Indian Industry (CII). Instrumental in sharing various Domain Expertise in LOS & LMS construct & architect during migration.~ Write up Standard Operating Procedure(SOP) to streamline various processes in the organisation.~ Adherence of Regulatory Compliances on CERSAI, CKYC & ROC & guidelines issued by RBI time to time.

Experience

1. Functional Head - AVP - Loan Operations (Mid-corporate, Msme & Retail Segments)

   TVS Credit Services Ltd.

   Aug 2019 — Present

   Presently working with TVS Credit as Functional Head-Operations Commercial & Retail Segment (Mid-Corp, MSME & Retail Asset - All Vehicle Based Loans) for Loan Operations Units geographically spread across various regions. Job description includes-Process Management-1) Credit Operations for secured & unsecured lending, Supply Chain and Working capital loans.2) Customer Due Diligence(CDD)- KYC & Constitutional Docs Verification 3) Case Data Entry (CDE)- Login & Disbursement within agreed SLAs4) Regulatory Compliances : CERSAI & ROC Charges management.5) Preparation & Submission of SOPs for various processes.6) Functional SPOC for Internal and External Audits.7) Products Expertise in Cash Credit/OD, LAP, LAM, Vehicle Loans, Bill Discounting & Home LoansPeople Management-1) Managing team size of 100 + comprising direct reportees & skip level.2) Workforce Management. Annual Appraisals, Annual resource planning & budgeting.3) Guiding Team on Regulatory compliances KYC, Constitutional, CDD, ROC, CERSAISystem Management-1) System migration Management by sharing the domain expertise on LOS/LMS Construct, Architecture & adequate UAT testing.2) Initiated various automation projects with RPA wherever necessary.3) Co-assist in Designing & Development of New Loan Product /Facilities in the System

Education

• Annamalai University

  M.Com, Accounts & Commerce

  1998 — 2000

• The Institute of Chartered Accountants of India

  CA Inter Group I, Accounting and Finance

  1999 — 2002

• Indian Institute of Banking & Finance

  JAIIB

  2013 — 2013

• Sree Narayana Guru College

  Bachelor of Commerce (B.Com.), Accounts and Commerce

  1995 — 1998

Skills

• Credit
• Microsoft Word
• Public Speaking
• Commercial Banking
• Underwriting
• Banking
• Risk Management
• Team Management
• Management Information Systems (Mis)
• Management
• Financial Risk
• Outlook
• Internal Audit
• Retail Banking
• English
• Corporate Finance
• Operations
• Auditing
• Windows
• Portfolio Management
• Loans
• Finance
• Customer Service
• Accounting
• Teaching
• Negotiation
• Credit Risk
• Operational Risk Management
• Microsoft Office
• Relationship Management
• Credit Analysis
• Powerpoint
• Microsoft Excel
• Mis