Ashwani Kumar

B.Com graduate with experience in auto loan processing, credit assessment, and financial services operations at Toyota Financial Services. Skilled in credit appraisal, financial analysis, lead generation, and customer relationship management. Currently pursuing MBA in Finance and seeking opportunities in banking, NBFCs, and financial services to contribute to credit evaluation, lending operations, and business development.

Finance Associate at Toyota Financial Services (2025-12-03 – Present)

Deputed through CIEL HR Services Ltd. under NAPS – National Apprenticeship Promotion Scheme

• Process retail auto loan applications for new and used vehicles as per TFS credit policy.
• Conduct credit assessment using income documents, bank statements, CIBIL score, FOIR, and LTV analysis.
• Prepare Credit Appraisal Memorandum (CAM) for credit approval.
• Coordinate with dealers, credit team, and operations for timely sanction and disbursement.
• Manage loan documentation, KYC verification, NACH/PDC setup, and compliance checks.
• Generate business through lead follow-ups, prospecting, and dealer relationship management.

Marketing and Operations at Cnear (2025-09-12 – 2025-10-12)

• Conducted lead generation and data scraping to identify potential partner colleges.
• Built and maintained institutional outreach databases.
• Coordinated with college TPOs and placement cells for product promotion.
• Assisted in institutional partnership development and MoA agreements.
• Supported sales operations through data management and stakeholder coordination.

Master of Business Administration in Finance – DY Patil Institute of Distance Learning (2026)

Bachelor Of Commerce in Accounting Specialization – St. Xavier's College Ranchi (2022 – 2025)

CA Foundation – Institute of Chartered Accountants of India (2023 – 2023)

Higher Secondary Education – St. Xavier's Inter College Ranchi (2022 – 2022)

Secondary Education – J.M.J High School Ranchi (2020 – 2020)