Himani Kumar Email & Phone Number

New Delhi Area, India

 Heading Personal Loan credit for Delhi NCR ,Punjab, Chandigarh,Haryana and UP from a centralized setup based in Delhi. Conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, ensuring compliance as per bank's credit policies. Controlling delinquency and credit loss. Fulfilling the credit training needs of business team on a continued & timely basis. Work closely with Sales team, Fraud control and collections team in order to generate business insight/policy formulation. Empanelling ,Monitoring and training the vendors on various policies designed by the bank. Decision of loan applications on imaging.

New Delhi Area, India

New Delhi Area, India

Prime Responsibilities Decision of Personal loan and Business loans applications as per the policy and preparing Credit appraisal Memo. Due Diligence to detect frauds. Present the proposal to the respective sanctioning authorities with necessary deviations. Coordination with Sales, Operations, Branch and Collection team with a view to provide appropriate resolution to the queries of the internal customers. Analysis portfolio performance and taking corrective actions thereof. Vendor management. Ensuring audit and regulatory compliance. Had an Underwirting authority of 8 lakhs(L2). Conducting PD's to understand customer profile in depth. Also was instrumental in laying down and implementation of processes for Personal Loan file management for the location.Achievement Awarded “Ace Award” for best performance across the country

New Delhi Area, India

Prime Responsibilities Included Decisioning of Personal loan applications as per the policy of the bank and preparing Credit appraisal Memo both basis scanned images and basis physical file. Conducting Due Diligence to detect frauds. Appraisal and analysis of all profiles and ensuring delivery within timelines without compromising risk. Coordinating with Sales, Operations, Branch and Collection team with a view to provide appropriate resolution to the queries of the internal customers. Analysis portfolio performance and taking corrective actions thereof. Ensuring audit compliance and regulatory compliance.Achievement Received award for fraud prevention.

New Delhi Area, India

Prime Responsibilities Personal loan underwriting authority. Taking care of cash and customer service for the branch. Handling existing borrower call centre. Ensure quality loans by screening new borrower personal loan applications, carrying out proper online checks, contact point verification, fraud checks, document check, telephonic verification and personal discussion to judge the intention to repay. Deciding the loan amount to be offered to the customer depending on the profile and policy. Achieving insurance targets by cross sell of both general and life insurance to walk in customer and maintaining healthy product mix. Organizing skill drills and product training for the sales team to keep them updated with the new product policy.  Maintaining cheque stock for the branch.Achievements Month on month maintained an insurance penetration of 95%. Reduced non starter percentage to zero by ensuring proper credit checks, judging intention and capacity to repay.

Kolkata Area, India

Prime Responsibilities Organizing Data collection activities like market surveys, health camps.  Giving corporate presentation to source life insurance business. Managing business associate and his team of advisors. MIS development and management for the zoneAchievements Organized health camps and collected 10000+ leads Managed a team of 150 advisors and grew their business from 60K to 2 lakhs in a month  Pioneered MIS development project for East Zone

Pgdbm, Marketing

Bachelor Of Engineering - Be, Electrical

High School, Science