Pankaj Kumar

Experience

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  Rush Information

  Nov 2012 - Jun 2019

  Founder, SEO Specialist, Editor

  Rush Information is a Premier Tech Website with a very simple and user friendly design layout developed initially with an aim to provide solutions for different kinds of Windows related errors and after being on line for over more than 4 years we have remarkably established ourselves in Top 50,000 Alexa Website’s worldwide ranking continuously for 2 years from 2013 to 2015 which is definitely a great accomplishment in this short span of time by extending our Information resources, thus focusing on Imparting latest tutorials, tips or tweaks and most importantly one of the most useful How to Guides helping you find and explore things that you have never done it before.Apart from the usual tips and tricks I try our best to keep the readers updated with latest Tech news and useful product reviews. Due to Personal and other aspirations I was out of touch from the last 2 years. Trying to Rebuilt it with an entire new design, high quality content and targeting to achieve once again ranking within Top 50,000 Alexa World Ranking. Show less

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  HCL Infosystems Ltd.

  Jun 2013 - Aug 2013

  Intern

  Worked as Embedded System Engineer trainee where my role was to coordinate and participate in software design reviews and code reviews using Embedded C Language and Proteus Tool for Circuit Designing.Worked closely with a team of other highly skilled engineering professionals where we worked upon 8051 Micro-controller as a part of few minor projects.

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  New Horizons India Limited

  Jun 2014 - Aug 2014

  Java Developer Trainee

  Gained Software Analysis, Design, Development and Testing knowledge in Core JAVA. Hands-on experience in Java and J2EE with good exposure to MVC architecture and web application development.

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  EXL

  Jul 2014 - Aug 2014

  Business Intelligence Intern

  Closely studied Business Intelligence as a process and had a practical exposure on the Microsoft BI tools including SSIS, SSRS and SSAS.

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  Tata Consultancy Services

  Sept 2015 - Jun 2017

  Assistant System Engineer

  Around 2 Years Experience as Production Support Engineer With additional Core competency though short but strong 3 months experience in Development with ASP.NET in C# and Database Design and Maintenance using SQL Server and Web development (ASP.NET, ASP.NET MVC, NodeJs, HTML 5, JavaScript, Single page and hybrid applications, Rich JavaScript UI, Web Design). Trained and Passed TCS ILP Modules within First attempt.Worked with World's Prestigious Medical Research Client Based in United States, Germany and Japan as Production Support Analyst along with handling Critical ongoing Enhancements. Around 2 Years Experience in Oracle Life sciences Data Hub (LSH) Development, Implementation and supporting the Application across PLSQL, Informatica and SAS programs.Worked with key customers on overall IT architectural direction in the areas of clinical development and pharmacovigilance.Responsible for Oracle Life Sciences Data Hub project initiation and development. Oracle Life Sciences Data Hub is a product for integrating, manipulating, storing, and reporting on all data both regulatory and non-regulatory for an entire clinical development division of a life sciences company.Responsible for overall management of the product’s development including the functional design and functional architecture and launch of the application. Worked with TCS Internal Validation Team, Enhancement Team, Process Improvement and Project Delivery end to end team. Had a great understanding of Validation Test Protocols, Creation and Execution of Unit Test protocols. Show less

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  Code Flow Tech LLP

  May 2018 - Aug 2018

  Research Analyst

  Joined as a Research Intern to develop and channelize marketing strategies for the various projects undertaken by Code Flow Tech.

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  HDFC Bank

  Jun 2019 - Dec 2021

  Manager Risk Management

  Working full time as Credit Risk Manager for Large Corporate exposure underwriting (>10 crs INR) handling North India region comprising of Chandigarh-Tricity, Haryana & Punjab and part of Delhi NCR. Currently handling portfolio of more than 800.00 crs. Key Responsibilities:• Primary responsibility includes underwriting exposure of Large Corporates (MSME) with turnover of up-to 250.00 crs and exposure more than 10.00 crs. • Have strong understanding of all the major working capital lending products including Cash Credit, Overdrafts, Letter of Credit, Bank Guarantee and other trade products - Deep understanding of risk assessment for Green field Project funding• Experience of handling LAP credit proposals and their risk management within the laid benchmarks and regulatory guidelines • Credit risk assessment of the proposals within the laid benchmarks and TAT adherence• Working along with senior colleagues comprising of Senior Manager, AVP’s and direct reporting to Vice President, North Region• Profound knowledge of preparing risk management measures, creating plans to ensure business continuity and to limit risks, and review any new major contracts or internal business proposals• Responsible for managing the entire allocated portfolio for early signs of warning, their timely mitigation and risk analysis in the best of customer interest and organization Show less

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  Kotak Mahindra Bank

  Dec 2021 - Jul 2022

  Senior Credit Risk Manager

  Joined as Senior Manager (Credit Risk) under North SME Division for where my major responsibility includes underwriting & risk assessment of large corporate exposure with Ticket size > 10.00 cr & entities having turnover up-to 500.00 cr• Credit Underwriting for MSME Proposals for entities having turnover upto 500.00 cr and Ticket size > 10.00 cr• Analyzing financial statements i.e. Balance Sheet, P&L, Cash flow statements.• Financial modelling for existing & NTB customer under assigned portfolio.• Solid foundation of all types of Working capital products i.e. both fund based and Non-fund based products• Exposure to all types of WC products i.e. Cash credit, Overdraft, Letters of Credit, Bank Guarantee etc.• Analysis of Term debt exposure along with Green field projects assessment.• Assigning internal ratings to customers basis Basel Guidelines & internal bank framework Show less

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  Progcap

  Aug 2022 - now

  Senior Credit Risk Manager

  Working as Risk Manager under Credit Risk – SCF Division, primarily responsible for New Anchor Credit Risk Assessment, Formulating Credit Risk policies, Risk Underwriting of prospective buyers, Driving new credit risk projects & their initiation within the organization.1. Supporting Business Verticals towards new customer’s/Anchor on-boarding - Handling overall Anchor Credit Risk assessment, Responsible for assessment & approval of New Anchor programs with size ranging 5.00 cr - 50.00 cr.2. Credit Risk Assessment & Underwriting for various Supply chain financing products – Purchase Invoice Financing, Distributor/Buyer Financing, Vendor Financing, WCTL, Term loan, Revolving lines of credit.3. Preparation of Credit Assessment note for New Anchor’s Risk assessment, large unsecured PIF/Distributor limits (5.00 cr – 10.00 cr)4. Responsible for managing end to end credit risk – From Anchor Origination, review & underwriting of cases on-boarded under anchor program, post disbursal EWS & Portfolio monitoring.5. Leading & Training Credit team towards Credit Underwriting, Financial Analysis of Distributors/Dealers. Evaluation of the Proposals and proposing the cases to the management for approval6. Working alongside with CRO in formulating & overhauling credit risk policy under Supply Chain Finance, EWS Monitoring controls, New SCF products policy roll outs.7. Credit Risk Projects Undertaken – MPA approvals & renewals automation, GST Underwriting parameters, Limit Renewal, CAM Engine automation etc.8. Key Stakeholders relationship management – Founder’s, Business, Customer, Tech Team, Internal Credit Team, Operations Show less