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  1. 1. VIJAY KUMAR JAIN 09999722524, 011-27381749 E-mail: Seeking assignments with a growth oriented organization of repute. SYNOPSIS Chartered Accountant with Over 5 years of rich experience; currently serving at Cholamandalam DBS Finance Ltd as Area Credit Manager (Personal Loans/ Business Loan, Delhi). Gathered experience in handling credit appraisals of the customers. Ability to support and sustain a positive work environment that fosters team performance with relationship management skills. CAREER HIGHLIGHT 1) Since May’07 working with Colamandalam DBS Finance Limited as Area Credit Manager (Personal Loans / Business Loan) Cholamandalam DBS Finance Ltd is joint venture between Murugappa group and DBS Bank of Singapore and one of the India’s largest domestically owned NBFC with a gross asset base of over Rs. 5,000 Crores. Company offer vehicle finance, corporate finance, capital market finance. Company operates from over 120 locations in India. The Key Result Areas Credit Management (Credit Approvals)  Appraising credit proposals & judging appropriateness of relevant documents for risk mitigation before sanctioning / disbursing the loan, ensuring compliance with organisational credit policies and procedures.  Assessment of internal controls and procedures to deliver the best TAT  Co-ordination & discussion with collection team for recovery in case of payment defaults.  Co-ordination with Risk Containment Unit for avoidance of fraud funding Relationship Management  Building and maintaining healthy business relations with DSA & Business generating units, ensuring constant achievement of targets with high customer satisfaction matrices.  Interacting with DSA and other business generating units to discuss & resolution of their operational and policy related queries.  Discussion and playing a major role with marketing and sales team in rolling out new market strategies for delivering better services and higher customer satisfaction.  Ensuring regular feedback on quality of sourcing & relating observation /analysis. Team Management & other Responsibilities.  Controlling and Management of Credit Processing Agency (CPA), including mentoring & training CPA personnel & team leader to deliver quality services.  Providing direction, motivation to team for ensuring optimum performance and maintenance of quality and productivity.  Ensuring co-ordination among the team member for smooth functioning.  Post approval documents processing management and solving the quarries relating to the pendancy resolved to ensure the smooth processing.
  2. 2. 2) From Feb’06 to April ‘07 worked with ICICI Bank Limited as Area Credit Manager (Personal Loans) The Attainments  Credit appraisal and processing of personal loan application worth Rs. 120 Million on monthly basis.  Successful setting up of new location for corporate salaried cases.  Identification & setting new procedure of ON-LINE sourcing of Personal loan business in corporate salaried cases.  Apprised for contribution in making possible of disbursement of Personal loans Rs 1,000 Crore in Sept 06.  Awarded for Best performance in Jan 07.  Resourceful in conducting training to RM , DSA and DST & Channel partner. 3) May ’03 -Jan’06 M/s ABM International Ltd. A Govt. recognized Export House, New Delhi Worked as Manager – Finance, Accounts & Taxation in M/s ABM International Ltd (a Public Ltd Company listed in Delhi Stock Exchange), which is also a Govt. recognized Export House. Job also involves looking after same functions of other companies of the group. The Key Result Areas  Responsible for the entire control of Accounts & Finance of the company. Ensure maintenance of proper Records.  Finalization of Accounts, Annual Reports, compliance of statutory requirements.  Ensuring that financial statements are in compliance with professional accounting standards & procedures  Preparation of multifaceted Financial Report including MIS.  Structural Planning & Implementation of Financial Control & Budgeting.  Conducting Variance Analysis and cost comparison to analysis cost efficient Product and to facilitate decision on product pricing.  Regular Interface with Banks for Term Loan and Working Capital requirements, Limits renewals, Monthly & periodic monitoring of DP, Arrangement of Forward cover, Credit control, Arrangement & remittance of Foreign exchange and co-coordinating with bank for various transaction etc.  Maintaining receivable, collection, Cash Flow for effective credit control management and follow-up action with customers to ensure timely receipt of payments & prevention of Bad debts.  Ensuring timely filing of TDS Return and Income-Tax Return and interacting with Govt department like I-Tax etc.
  3. 3. 4) C.A.Training / Articleship (Period 3 years) Completed article ship from M/s R. K. Khanna & Co. Chartered Accountants, Delhi.  Training Involved carrying out Statutory, Internal Audit of Private, Public Co. with a view to highlight the shortcomings and implementing necessary recommendations.  Planning, finalization and drafting of Internal and Statutory Audit reports. Audit approach being business understanding, categorization of organization into various business cycles for assessment of internal control and procedures.  Taxation work such as preparation & compilation of Income-Tax return of corporate & non- corporate client.  Tax audit as required u/s 44 AB of the Income Tax Act, 1961 of various clients including branches of Banks.  Preparation & evaluation of Financial Statement.  Advising clients on ways to improve their accounting systems. Key clients served:  Statutory & Tax-Audit of National Fertilizer Limited.  Statutory & Tax-Audit of Canara Bank, Oriental Bank of Commerce, Jammu & Kashmir Bank, Indusand Bank  Statutory & Tax-Audit of Rubber Reclaim Co. of India Limited.  Statutory & Tax-Audit of HBR Chemical (P) Limited.  Concurrent audit of Syndicate Bank, Punjab & Sind Bank.  Internal audit of National Fertilizer Limited ACADEMIA  Associate member of ICAI (Institute of Chartered Accountants of India) since Nov’ 2002.  B.Com from Shivaji College, Delhi University in 1996.  Senior Secondary Examination from C.B.S.E. Board in 1993.  Higher Secondary Examination from C.B.S.E. Board in 1991.  Diploma in Commodities Market ( DICM ,Feb-May06) from Welingkar Institute of Management development & Research IT SKILLS Operating System : MS-Word, EXCEL. Accounting Package : TALLY ACHIVEMENTS  Consistency earned above average ratings on performance Evaluations.  Second Highest Marks (90%) in Advance Accountancy in College  Second Prize Winner in Commerce Section at School level STRENGTH  Hard Working attitude with dedication towards work.  Strong Analytical Skills  Ability to hold key position
  4. 4. PERSONAL DETAILS Date of Birth : April 30, 1976 Address : House No. 1244, Street No. 86, Shanti Nagar ,Tri Nagar , Delhi-110035 ….. Vijay Kumar Jain