Sushil Kumar

Gold Loan and Operations professional with extensive experience in gold appraisal, valuation, authenticity verification, branch audit/compliance, loan processing, KYC verification, risk analysis and MIS reporting. Currently working with IDFC FIRST BANK LTD. as Valuer – Gold Loan (Operation & Audit), with responsibility for gold appraisal, audit observation & compliance, branch operational controls & compliance, DPD/NPA resolution, support in marketing and customer engagement, coordination with Sales and RCU teams.

Valuer – Gold Loan (Operation & Audit) - IDFC FIRST BANK LTD.

(2022-12)

• Conduct gold appraisal and authenticity verification in accordance with SOP.
• Ensure e-KYC verification, ADB penetration, PSL disbursal and compliance as per SOP.
• Manage loan processing from login to disbursement at the base branch.
• Monitor and ensure fraud/risk audit observations/compliance resolution as per SOP.
• Monitor DPD/NPA cases and support branches in maintaining portfolio quality.
• Conduct external audit/physical verification in other bank/ NBFC on periodically.
• Ensure customer’s queries and request are resolved within defined TAT.
• Prepare weekly, monthly and quarterly MIS for audit and compliance analysis.
• Ensure branch control and asset verification/compliance are as per SOP.
• Support marketing and customer engagement efforts as needed.

Sr. Relationship Executive (Account Assistant) - MUTHOOT FINANCE LTD.

(2016-05 - 2022-12)

• Handled walk-in customers and supported gold loan operations.
• Performed gold appraisal and valuation.
• Verified KYC and ensured compliance requirements.
• Handled loan processing and disbursement.
• Worked on NPA recovery and settlement activities.
• Supported cross-selling of financial products.
• Prepared weekly/monthly Bank Reconciliation Statements (BRS).

Data Entry Operator - SJMMCSL (Co-operative Society Ltd.)

(2015-08 - 2016-05)

Computer Operator Cum Personal Assistant - K.T. Public School, Faizabad (U.P.)

(2014-02 - 2015-05)

Back-office Associate – GLIC (Guardian Life Insurance Company), US Healthcare - EXLService SEZ BPO Solution Pvt. Ltd., Noida (U.P.)

(2011-12 - 2013-06)

Computer Operator - N.D.A.T. University, Faizabad (U.P.)

(2006-11 - 2010-10)

Graduation (B.A.) - Dr. R.M.L. Awadh University, Faizabad (U.P.) (2006)

Senior Secondary (XII) - D.A.V. Inter College, Nawabganj, Gonda (U.P. Board) (2003)

Higher Secondary (X) - D.A.V. Inter College, Nawabganj, Gonda (U.P. Board) (2001)