VIJAY KUMAR JAIN
Seeking assignments with a growth oriented organization of repute.
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.
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
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
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) From Feb’06 to April ‘07 worked with ICICI Bank Limited as Area Credit Manager
Credit appraisal and processing of personal loan application worth Rs. 120 Million on monthly
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,
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
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
Ensuring timely filing of TDS Return and Income-Tax Return and interacting with Govt
department like I-Tax etc.
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-
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,
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
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
Operating System : MS-Word, EXCEL.
Accounting Package : TALLY
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
Hard Working attitude with dedication towards work.
Strong Analytical Skills
Ability to hold key position
Date of Birth : April 30, 1976
Address : House No. 1244, Street No. 86, Shanti Nagar ,Tri Nagar ,
Vijay Kumar Jain