Manish Kumar Email & Phone Number

Bengaluru, Karnataka, India

In my role as Senior Program Lead – Analytics Consulting at Idexcel, I focus on delivering data-driven solutions to complex business challenges in the financial domain. I lead initiatives in credit risk modeling, including PD, LGD, and EAD estimation, and develop predictive models to enhance decision-making processes. By leveraging advanced analytics tools such as Python, SQL, and Tableau, I transform raw data into actionable insights, helping clients optimize their risk management strategies and achieve operational efficiency. I also collaborate with cross-functional teams and stakeholders to ensure the seamless execution of projects, aligning data science capabilities with organizational objectives to drive measurable outcomes.

Bengaluru, Karnataka, India

Responsibilities:Credit appraisal of corporates and servicing large and mid-corporates with turnover ranging above 2.5 billion p.a.Ensuring execution of end to end set processes such as financial analysis, note making, documentation etc.Understanding client’s business, financials and prepare quality appraisal note in collaboration with Risk Management team.Facilitating disbursement of funds once sanction is in place through coordination with various internal groups and ensuring completion of post-disbursement documentation activities in coordination with control groups such as Legal, Compliance, Credit Middle Office.Managing a high quality portfolio of corporate clients, acquiring and onboarding new clients. Understand & cross-sell various retail asset & liability products to capture the entire ecosystem of corporate clients

Bangalore Urban, Karnataka, India

Responsibilities Managing documentation, reporting, and information management for a team of 10 underwriters.Developing and implementing standard operating procedures for credit personnel to achieve consistency in unit operations and decrease turnaround time to six days from 14 days.Maintaining effective cross-functional operations with sales, management, and other departments and increasing retail sales by 120% YOY.Evaluating applicants' financial status, credit scores, and property values to determine loan feasibility.Utilising various industry tools such as Cibil, Crif, Equifax, and Experian to evaluate customers creditworthiness and potential risk factors.Involved in designing and developing a loan processing system with IT and app development teams.Reviewing credit limit requests from financial service and sales teams semi-annually.Assessed and sanctioned more than 2500 mortgage proposals.KEY HIGHLIGHTSImplemented a new customer service training program and raised the average rating to 4.5 from 4.0.Prepared budgets, forecasts, and profit and loss reports that reduced expenses by 10%.Improved documentation systems and reduced error rates in review from 10% to 2%.Increased number of proposals sanctioned from 110 crores to 240 cr in FY 2022-23.Educated, coached and mentored 44 branches, resulting in a 130% increase in regional business in FY2022-23.Increased the volume of proposals by 50% through retail camps.

Bengaluru, Karnataka, India

Analyzed borrowers and debtors for debt investments in the financial inclusion sector.Liaised with borrowers and analyze & monitor financial performance, track covenants, and prepared quarterly and annual financial reports.Identified and mitigated credit risks in existing and proposed debt transactions.Managed the execution of mandated deals, including obtaining internal approvals, managing deal documentation, and coordinating with external partiesDeveloped credit analytical models for obligors, underwritten credit exposure and managed credit obligors' risk actively.KEY HIGHLIGHTSIncreased credit revenue by 400 crores by adding 1800 new accounts during the FY 2017 - 2020..Awarded thrice as "Analyst of the Year".

Bangalore

Led staff of over 20 personnel by implementing training, engaging in proactive problem-solving, and ensuring company compliance.Boosted branch sales by developing and deepening customer loyalty through incentive programs and achieved a positive YOY branch business growth.Opened 2500+ new various types of accounts for customers, including savings, current, and RD accounts.Developed prospects for new loans through weekly cold calling.Produced reports outlining financial data to assist management with making strategic plans and operational decisions.Identified and capitalized on community business opportunities with effective networking.

Global

Planned, controlled, and executed all activities connected with maintenance, repairs, dry-docking, conversion, or modification of assigned vessels.Monitored vessel performance trends including speed, fuel, and lubricating oil consumptions, and implement timely remedial actions where these are outside agreed or expected parameters.Investigated and adopted optimal shipping and receiving strategies by selecting the best carriers, routes, and methods to minimize costs and enhance schedules.Conducted, aggregated, and distilled market research into meaningful and actionable insights.

Global

Navigated safe passages to over 60 countries with zero incidents.Performed thorough, accurate and efficient repairs and preventive maintenance.Checked supply levels against expected voyage requirements and requisitioned required supplies.Completed frequent inspections, identified concerns and corrected problems independently.Acted as liaison between ship's captain and shore personnel to maintain schedules and budgets and to operate ship safely and efficiently.Developed and implemented performance improvement strategies and plans to promote continuous improvement.Exceeded goals through effective task prioritization and great work ethic.

Master'S Degree, Data Science

Executive Post Graduate Programme, Data Science, 3.6/4.0 Cgpa

Data Toolkit - Programming in Python(Lists, strings, other data structures) Python for Data Science(Numpy, Pandas, Matplotlib, Seaborn.

Bachelor'S Degree, Nautical Science

High School, Cbse

Middle School Diploma