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 (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
Interested in hiring Akash?
You can contact Akash and 90k+ other talented remote workers on Himalayas.
Message AkashFind your dream job
Sign up now and join over 100,000 remote workers who receive personalized job alerts, curated job matches, and more for free!
