Dinesh Kumar

Dynamic and results-driven Senior Leadership Professional with 17+ years of extensive experience across Banking, NBFC, and Microfinance sectors, specializing in MSME & Unsecured Lending, P&L management, and regional business operations. Proven expertise in managing a ₹200+ Crore asset portfolio, leading 150+ employees across multiple branches, scaling retail distribution networks, driving strategic month-on-month (MoM) targets, ensuring credit control, and executing rigorous delinquency management. Adept at aligning business growth with regulatory compliance to transform regional operations into high-margin profit centers.

Divisional Head (Senior Manager) - Utkarsh Small Finance Bank Ltd.

(2010-09 - 2025-05)

• Directed comprehensive regional microfinance and asset operations, managing and scaling a diverse multi-product asset portfolio exceeding ₹200 Crores with exceptional asset quality.
• Spearheaded leadership governance, recruitment pipelines, and performance management for a robust workforce of 150+ staff members, ensuring high retention and productivity.
• Established stringent credit controls and robust recovery protocols, meticulously tracking DPD buckets and controlling NPAs to maintain stellar collection efficiency.
• Designed and executed intensive employee training programs, skill-enhancement workshops, and weekly motivational huddles for sales and collection teams.
• Deployed robust MoM and QoQ tracking dashboards to monitor sales velocity, identify bottlenecks, and execute course corrections to surpass organizational quotas.
• Expanded market penetration across high-value verticals including MSME Loans, Business Loans, Personal Loans, LAP, JLG Microfinance, and MBIL.

Field Assistant (Executive Grade) - Bharat Finance (SKS)

(2008 - 2010)

• Spearheaded grassroots customer acquisition, target-based micro-loan disbursements, and community outreach programs, achieving 100% collection efficiency.
• Implemented critical operational protocols including Center Group Training (CGT), Group Recognition Test (GRT), and Loan Utilization Checks (LUC) to guarantee portfolio health.
• Maintained deep grassroots connect with borrowers through regular center meetings, financial literacy sessions, and disciplined repayment tracking.

Bachelor of Arts (B.A.) - VBS Purvanchal University, Jaunpur (2010)

Intermediate - Mathematics - UP Board, Allahabad (2007)

Matriculation (High School) - UP Board, Allahabad (2005)