Rahul Kumar

Experience

• 

  Hinduja Leyland Finance

  Dec 2018 - May 2020

  Marketing Executive

  1. Responsible for assigned sales targets (monthly, quarterly and annually).2. Goals set for centres month on month, maintaining relationship with target customers, customer service, ensuring high rate of return on investment, sales support and sales.3. Follow up for payment.4. Maintain good relation with client.

• 

  Bajaj Finserv

  May 2020 - Oct 2024

  1. Underwriting and ensuring quality underwriting of Used and New Car upto 75 lacs with approval authority of 15 lacs.2. Conducting Tele/Video/Physical PD to understand Business models derive necessary information and analyzing intention to repay loan by borrower. 3. Calculating credit scoring models for risk assessments. 4. Escalation Management to ensure closures.5. Ensure TAT adherence among team.6. Product team engagement, Data Team engagement, Collection feedback into Underwriting, Policy inputs, etc.7. Credit limit proposals of channels.8. Responsible for handling the delinquency upto 6 MoB.9. Do regular channel visit to increase the business. Show less 1. Underwriting and ensuring quality underwriting of Used and New car upto 75 lacs and approval authority upto 10 lacs.2. Conducting Tele/Video/Physical PD to understand Business models derive necessary information and analyzing intention to repay loan by borrower. 3. Calculating credit scoring models for risk assessments. 4. Escalation Management to ensure closures 5. Ensure TAT adherence among team6. Product team engagement, Data Team engagement, Collection feedback into Underwriting, Policy inputs, etc.7. Responsible for the delinquency upto 6 MoB.8. Do regular channel visit to increase the business.9. Credit limit proposals of channels. Show less

  • Credit Manager

    Mar 2023 - Oct 2024

  • Assistant Credit Manager

    Oct 2021 - Mar 2023

  • Collection Executive

    May 2020 - Oct 2021
• 

  YES BANK

  Nov 2024 - now

  Credit Risk Manager

  1. Managed underwriting for used car, new car, andtwo-wheeler loans, ensuring high engagement ofsales, fulfillment, credit, and operations teams.2. Handled a team responsible for underwriting inBihar and Jharkhand.3. Provided policy training for the underwritingprocess.4. Effectively managed delinquency to ensure minimalrisk exposure.