Guddu Kumar

Experienced and qualified to handle a variety of assignments. Expert in listening and resolving problems. Expert in working pressure situations. Proficient in delivering high quality result. Granted for keeping the position of the inventory and managed its certification.

Jharkhand Agency Manager at Choudhary Advisory Services Pvt Ltd. (2024-08 – Present)

Department: Credit Intelligence and Control CIC/RIC/FCU/RCU

• All Bank and NBFC verification Parts
• Travelling Allowance Bills handling
• FO Guidance and training
• Queries Mail Handling
• Branch Visit for Cases regarding feedback and Business Growth
• In the absence of any Backend or Field Executive, I handled their activities and ensured smooth workflow operations
• Handling mail escalation and resolving operational queries within TAT

ADFC Officer (HDFC Bank Ltd) at HDB Finance Ranchi (2022-09-03 – 2024-07-31)

Department: Credit Intelligence and Control (CIC)

• Support and maintain the designated portfolio quality of the bank by adopting appropriate, innovative methods and increasingly effective processes in identification of potential fraud leading to minimal fraud losses
• Detection and Prevention of Risk involved in retail assets finance- Personal/Business loan/Education loan/Two Wheeler loan/Auto loan/Commercial Vehicle loan/LAP/Agri product/Consumer Durable /Payment Business/SME Working Capital Loans
• Coordinate with agencies for proper detection & prevention of risk within TAT
• Conducting detailed risk assessments by analyzing documents, statistics, report and market trends
• Update reports and remarks on centralized bank information system within given TAT
• Preparation & Analysis of various monthly and quarterly loan portfolio reports
• In-depth knowledge of CIBIL & CAM
• Maintenance of Renewals & PDD Collections
• Expertise In commercial & retail banking
• Maintain MIS for Initiation /Report Updation/Hunter/Additional/Crime check
• Resolution of all RIC Deviation Before Disbursement of file
• Conducting Audit Checks

Sampler at Prudent Investigation (2020-03-03 – 2022-08-31)

Department: Credit Intelligence and Control (CIC)

• Sampling for Retail assets products
• Detection and Prevention of Risk involved in retail assets finance products- Personal/Business loan/Education loan/Two wheeler loan/Auto loan/Commercial Vehicle loan/LAP/Agri product
• Maintain MIS for Sampling/Screening in all loan products
• Update reports and remark to concerned bank reporting manager in within given TAT

Line man (Mobile production) at Samsung India Electronics Pvt Ltd. (2015-09-15 – 2016-09-14)

Department: Line man (Mobile production)

B.Com (Hons) in Commerce – Yogda Satsang College, Ranchi (2013)

10+2 – Yogda Satsang College, Ranchi (2010)

10th – BSP High School Ranchi (2008)