Prashant Kumar Email & Phone Number

VP-Credit

India

Credit Risk Management

Facilitating the Credit facility to branches Noida, Vaishali, Meerut, Dehradun & Haridwar for Home loan and LAPProduct and Construction Finance with sanctioning authority of 50 Lac.Close tracking and coordination with the branch leadership and on-field team to ensure timely sanctioning of files andfurther disbursement.Implementing the strategy for rendering hassle-free services to all stakeholders eg Legal, Technical & Business team.Monitoring adherence to credit and operations processes and policies.Ensuring for timely updating of various report from associated vendors for FI, PD, Legal & Technical.Periodically reporting and feedback to senior management on Login, Disbursement, PDDs, Delinquent CasesCollection & Various Dashboards etc.Quality parameters through Strategy & Planning for Audit and Compliances and taking appropriate action for reducingaudit queries.

Facilitating Sampling Services at Dehradun, Haridwar, Saharanpur & Yamunanagar Branch.Investigations and Reporting for Fraud cases.Minimizing & Controlling Fraud attempt at Branch.Monitoring Daily Branch Activities for Pre & Post Disbursement.Vendor Management and Billing.Process training for Vendor and branch staff for effectiveness and smooth synchronization.MIS & Monthly Reporting.

Facilitating back end Services from Nodal Branch Chandigarh to Micro Branches Ambala,Solan,Rupnagar,ShimlaLeading Credit, Operations and Accounts, and partially sales.Monitoring Branch Login to Sanctioning & Sanctioned to Disbursement for HL, NHL.Meeting with DSAs and RPs for resolve the queries, Support Sales team to achieve the business target.Ensured for better synchronization between Sales, Credit & Ops for better businessMinimizing and Controlling PDD. Ensured to analysis on monthly basis. Ensured for effective and promptly respond of complaints and Grievances.Effective Scaling operations staffs, Accounts Staff, Credit Staff for implementation of various process. Enthuse to employees for effective productivity during Branch visits.Initiating and follow-up with empaneled vendors for PD, FIs, & Legal reports. Keeping the branch at of all operational Quality parameters through Strategy and Planning.Audit and Compliances.Employee Retention, Employee Productivity, Monitoring of individual performance of each employee, continuously enduring to maximize the productivity, Appraisals of team members.

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India

Managed Credit and Loan disbursement process at Assets DepttHandled Scrutiny of Application forms and ensure for Compliances.Handled the Discrepancy Controls and deviation if any found in files.Ensured that branch following up the process and aware to prevent any kind of frauds. Handled Quality parameters, Renewal and Closure process and other Customer Services Keep the branch at Quality Standard parameters in terms of all operational areas and other customer service areas.Monitoring the overall functioning of processes, identifying improvements and implementing of protocols of relevant key areas and leading the operation team.Handled the various TAT and coordination with Processing Center to process of File

Awarded with “Eagle Eye Award” for fraud prevention.Certificate for participating in Knowledge & I.Q contest at Zonal LevelHandled the Retail Branch Banking, Direct Reporting of >5 Persons.Monitoring the overall functioning of processes, identifying improvements and implementing of protocols of branch banking relevant key areas and handled the operation team and leading sales team.Handled the grievances and customer and senior management escalations.Ensured that branch following up the process and aware to prevent any kind of fraudsHandled the various Branch processes, TAT coordination with Regional Processing Center to process the smooth functioning at customer servicing requests.Kept the branch at Quality Standard parameters in terms of all operational areas and other customer service areas. Finding out the abnormalities and resolved them to keep the branch on track daily branch banking activities. Managing bank reconciliation process, and expenses management system, Back office administrations, co-ordination with vendors and government departments to resolve disputes regarding bills, raising request for payment of utilities bills and proper follow-up till closure in way of passing of payment to vendors.Measuring the performance of team.

Leading team as assistant of Team Leader >15 employees of HUB operations.Handled the Disbursement Activities, Login, Processing and uploading entries in System Monitoring Scrutiny of disbursed Memo and find out the errors at entry level and providing solution. Receipt reconciliation through system entries & clearance.Customer service and managing grievances and issues.

Dniit, Information Technology, A

Completed Two Years Course from NIIT in Software Development

Pgdba, Finance, A

PGDBA in Finance from SCDL Pune.

Bachelor Of Laws - Llb, Legal Studies, General