Avinash Kumar

Accomplished Regional Credit Manager with 8+ years of expertise in credit evaluation, risk assessment, and loan portfolio management. Skilled in managing HLI, Business Loan, MSME loan, working capital loan and SME loans ranging from high ticket size, ensuring adherence to regulatory compliance and risk mitigation. Proficient in developing credit policies, leading teams, and fostering client relationships to optimize loan performance and reduce NPAs.

Experienced in utilizing advanced credit scoring models and financial analytics to enhance decision-making and drive business growth. Demonstrated ability to balance risk and profitability, consistently achieving organizational objectives.

Regional Credit Manager - Satin Finserv limited

(2025-04)

Regional Credit Manager is a senior-level position in Banks, NBFCs, and Microfinance Institutions. The RCM is responsible for managing the credit risk and portfolio quality of an entire Area

• Loan Underwriting & Approvals - Take decisions on high-ticket cases
• Policy Implementation

Credit Manager - Shikhar finance pvt Ltd

(2023-04 - 2025-03)

Credit Manager, handles a Bank, NBFC, lending and credit decisions. Main job is to manage risk while helping the business grow through loans or credit sales.

• Loan/Credit Approval - Review loan applications, check CIBIL/bank statements, income docs, and decide if the customer is eligible
• Risk Assessment - Analyze financial health of applicants to reduce NPA/defaults
• Policy Implementation - Make sure all loans follow company and RBI guidelines
• Portfolio Management - Monitor existing loans, track EMIs, handle overdue cases
• Team Handling - Manage credit officers, train them on appraisal process
• Coordination - Work with Sales, Operations, and Collections teams for smooth disbursement and recovery
• Reporting - Prepare MIS, delinquency reports for senior management

Credit Manager - Bandhan Bank Ltd

(2018-03 - 2023-03)

Credit Manager at Bandhan Bank is responsible for evaluating and approving loan applications while managing credit risk across Retail, MSME, Agri, and Micro Banking segments. The role focuses on balancing business growth with portfolio quality, in line with the bank's financial inclusion goals.

• Credit Appraisal - Assess loan proposals for Personal, Business, Home, Agri, and JLG/MFI loans by analyzing income documents, bank statements, CIBIL, and FOIR
• Risk Assessment - Conduct PD and field visits, especially in Micro Banking, to verify customer profile and repayment capacity
• Policy Compliance - Ensure all sanctions are as per Bandhan Bank's credit policy and RBI guidelines
• Portfolio Management - Monitor branch-level delinquency, NPA, and overdue cases. Coordinate with Collections for early alerts
• TAT Management - Process files within defined timelines to support business and maintain customer satisfaction
• Team Supervision - Guide Credit Officers/CPAs, review files, and conduct training on underwriting standards
• MIS & Reporting - Prepare credit reports, trend analysis, and portfolio health dashboards for senior management

MBA/PGDM - G B T U UTTAR PRADESH LUCKNOW (2013)

B.A - Chhatrapati Shahu Ji Maharaj University (CSJMU) (2010)

XIIth - Hindi (2007)

Xth - Hindi (2005)