Akash Kumar
@akashkumar17
Dynamic Credit & Risk Analyst with expertise in financial services.
IndiaWhat I'm looking for
I am a dynamic and result-oriented Credit & Risk Analyst with three years of experience in the financial services sector. My expertise lies in credit assessment, portfolio management, and operational risk, where I have consistently maintained asset quality and evaluated borrower creditworthiness. I have a proven track record of driving loan disbursements while ensuring compliance with regulatory standards.
Currently, I serve as a Branch Credit Manager at HDB Financial Services Ltd, where I perform in-depth credit analysis on over 50 loan applications monthly. My role involves structuring credit proposals that align with internal lending guidelines and managing the branch portfolio to ensure a delinquency rate of less than 2%. Additionally, I have successfully supervised collections, improving the repayment rate by 15%. My previous roles have equipped me with a comprehensive understanding of credit operations and risk management.
Experience
Work history, roles, and key accomplishments
Branch Credit Manager
HDB Financial Services Ltd
Sep 2024 - Present (1 year 9 months)
Performed in-depth credit analysis on over 50 loan applications monthly, ensuring sound risk decisions and regulatory compliance. Managed the branch portfolio to maintain asset quality and a delinquency rate below 2%, while also supervising collections to improve the repayment rate by 15%.
Assistant Credit Manager
Aviom India Housing Finance Pvt Ltd
May 2024 - Sep 2024 (4 months)
Conducted personal discussions and comprehensive credit evaluations for home loan applicants. Recommended tailored financial solutions, significantly improving the overall approval efficiency.
Credit Operations Executive - Prime LAP
Cholamandalam Investment and Finance Co Ltd
Sep 2023 - May 2024 (8 months)
Processed secured loan disbursements and meticulously validated all customer documentation. Ensured strict post-disbursement compliance and accurate security creation documentation.
Operations & Vigilance Officer
Aviom India Housing Finance Ltd
Oct 2022 - Sep 2023 (11 months)
Monitored disbursement processes to ensure 100% adherence to company policy. Conducted regular risk audits, successfully reducing operational discrepancies by 20%.
Education
Degrees, certifications, and relevant coursework
Ayush Institute of Vocational Education and Training
Post Graduate Diploma, Banking & Finance
Grade: 82%
Completed a Post Graduate Diploma in Banking & Finance. Gained specialized knowledge in financial services and credit analysis.
Ch. Devi Singh Mahaviyalaya, Agra University
Bachelor of Arts (B.A.), Arts
Grade: 68%
Obtained a Bachelor of Arts degree from Agra University. Developed a broad understanding across various humanities and social science disciplines.
Swami Dayal IC Omnagar Bewar
12th Grade, General Studies
Grade: 75%
Completed 12th grade education at Swami Dayal IC Omnagar Bewar. Achieved a 75% score in the final examinations.
Saint GVN HSS
10th Grade, General Studies
Grade: 79%
Completed 10th grade education at Saint GVN HSS. Achieved a 79% score in the final examinations.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
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