Bikesh Kumar Email & Phone Number

Delhi, India

Customer service: Handling customer escalations, providing first-level resolution, and ensuring customer satisfaction Process improvement: Analyzing existing processes, developing documentation, and recommending improvements Training: Training staff on new processes and systems Collaboration: Working with teams to achieve common goals and bring in process improvements Governance: Formulating and executing internal and external governance Resource management: Working with the operations team to obtain resources like training and support

Birgung

Tasks Performed,•Educated clients on their current line of credit facilities and made adjustments based on business needs, prevailing guidelines, and sensitivity analysis.•Monitored and managed the credit portfolio, ensuring timely renewals and reviews of credit facilities through financial analysis, including:•Cash flow•Income statements•Balance sheets•Variance analysis•Conducted industry and economic analysis of the credit portfolio to better assess future prospects and overall returns.•Disseminated information to customers about:•Loan products•Procedures•Charges•Regulatory changes•Motivated clients to comply with regulatory changes, re-educating them on updates, and taking emotional ownership of their business performance.•Regularly visited clients’ businesses to evaluate operations, ensure proper fund utilization, and verify compliance with guidelines such as:•Anti Money Laundering (AML)•Combating the Financing of Terrorism (CFT)•Guided management in determining the true market value of collaterals provided by clients and preventing fraudulent activities.•Prepared and recorded legal documents, including:•Hypothecation Deed•Loan Deed•Letter of Personal Guarantee•Account Receivables Agreement•Pari-passu Agreement•Analysis of personal property declaration• Reviewed borrower performance and recommended strategies to improve loan quality and reduce delinquency.• Recommended legal action for defaulters and transferred files to the recovery cell.• Performed risk assessments of the credit portfolio and reported any issues or deviations to management.• Ensured compliance with credit policy, regulatory requirements, and internal controls.• Maintained accurate and complete records of the credit portfolio and customer information.

Kathmandu, Bāgmatī, Nepal

I was the Credit Officer and am responsible for increasing and maintaining the credit portfolio of the branch above the Performance Management Contract (PMC) level, while ensuring compliance with credit policy and regulatory requirements. I also provide excellent service to customers and initiates cross-sales of products and services. Additionally, I recover bad loans as instructed and perform risk assessment of the credit portfolio.

Dwarkanagar, Visakhapatnam, Ap

At PSSG Capital, I experienced what financial market really is. I was assigned to find out financial positions of the companies on the basis of their financial ratios and balance sheet and was asked to rank them. This was the test of my knowledge that I have acquired up till now. In the mean time, this task brought me with numerous stimuli that provokes financial health of a company and economy as whole.This was an opportunity for me to test my skill sets and to find out how confident I can be while applying those skill sets in real life situation and I was confident in applying those. I worked on CKYC, portfolio evaluation and others. This has surfaced my weak points and I have worked on it.