Kumud Ranjan Mishra is seeking an opportunity to utilize his career experience in credit operations, underwriting, and risk management. He has over 5 years of experience in credit roles at HDB Financial Services and ICICI Bank, where he handled tasks like credit approval, compliance audits, and portfolio management. He is proficient in MS Office, documentation, and has strong analytical and communication skills. He holds an MBA in Finance and HR and is looking to contribute to an employer's objectives and growth.

1. KUMUD RANJAN MISHRA
Email : kumudmishra06@gmail.com
Address : P 103, Prem Nagar -II, Kirari Suleman Nagar, New Delhi-86
Mobile : +91-9958170371
CAREER OBJECTIVE:Seeking an opportunity to utilize career experience, skills, and
education to contribute towards employer objectives, profitability and success with a
company offering potential for challenge and growth.
KEY SKILLS:
 Strong positive attitude and quick adaptability and flexibility towards work.
 Ability to organize and prioritize the tasks and work under pressure.
 Ability to work both independently and as part of a team.
 Quick learner, able to grasp new ideas, concepts and methods, strong interpersonal
skills and the ability to work effectively across all levels of the organization.
PROFESSIONAL SYNOPSIS
1. HDB Financial services Ltd, Noida
(Unsecured & Secured Loan, “Credit Group”
Credit Relationship Associate- March'14- July-15
Credit Relationship Manager- July'15- Present
Job Profile:
1. Handling credit operations from Login till Credit Approval- Personal Loans, Loan
Against Property, Enterprise Business Loan, Car Loans.
2. Credit Underwriting of Personal Loan, Loan Against Property, Enterprise
Business Loan, Car Loans.
3. Soft CAM Preparation.
4. Personal Discussion with customers.
5. Assessing overall Credit Eligibility of customer & recommending the case to
higher authority.
6. Deviation tracking.
7. Monitoring vendors like field investigating agencies, valuation & legal agencies
for mortgage loans and maintaining TAT.
8. Taking care of audit queries and maintaining good audit score.
9. Taking care of collection of Front end cases and maintaining branch portfolio.
10. Preparing MIS, Collection reports on daily basis and weekly review reports.

2. 2. ICICI BANK LTD, NOIDA
From January 2012 to February 2014
(Mortgage Loan, “Process, Risk & Audit Group”, Senior Associate)
Job Profile:
1. Check the compliance for Mortgage loan covered Home loan, Land loan, Non
Residential premises loan, Loan against property (LAP), Top Up and Lease rent
discounting.
2. Shouldering the responsibility of conducting process audit and checking
compliance with RBI guidelines in various processes of bank.
3. Monitoring the branch performance on business and risk control parameters.
4. Checking the loan sanction and disbursement process followed by Credit
managers in North zone.
5. Checking the compliance of bank policies by Credit team during sanction &
disbursement of loans.
6. Liable for reporting about any breach in RBI guidelines & banking policies.
7. To work closely with Bank Sales, Credit & Operations team, legal, technical, FI
and Risk Controlling Unit agency for audit the file / docket to ensure smooth
processing of Mortgage Loan.
8. Sharing findings with senior Management & providing suggestions for future
compliance.
9. Monthly productivity management of the team members / Management of
Dashboard.
3. CREATIVE HOME FASHION PVT LTD, NOIDA
From March 2007 to April 2009 (Accountant)
Job Profile:
1. Preparation and issuance of sale invoice.
2. Maintenance of Payment Receipt and daily expenditure book.
3. Preparation of bank reconcilation statement.
4. Providing assistance to Accounts manager in preparation of various returns.
5. Preparation of various vouchers.

3. Internship
MBA summer training at Bihar State Financial Corporation, (Mithila Branch
Darbhanga, Bihar) - 8 weeks
Project Title: “Lending Opeations of Financial Corporation, A study at Bihar State Financial
Corporation (BSFC)” in the year- 2011.
Awards & Achievements
Dec’15- Awarded Certificate for Best Credit Write Rate- Personal Loan
Oct’15- Awarded Certificate for Best Credit Write Rate- Personal Loan
June’15- Awarded Certificate for Best Branch (Noida) -100 loans
Skills/Competencies
1. Documentation, Disbursement & File Processing
2. Operating Systems: Windows :- XP, 7, 8, 8.1, 10
3. Application Packages: MS Office (MS Excel, MS Word, Power Point)
4. Software Expertise: SPSS
5. Soft Skills: Delivering Presentations, fostering teams
SCHOLASTICS
• Master in Business Administration (MBA –Finance & HR) from L N Mithila
University, Darbhanga, (Bihar) In the Session 2009 to 2011
• B.Com (Accounts Honours) From L N Mithila University, Darbhanga, (Bihar) In
the Session 2002 to 2005.
• 12 th (Commerce) From Bihar Intermediate Education Council, Patna (Bihar) In the
Year 2002.

4. • 10 th From Bihar School Examination Board, Patna (Bihar) In the Year 2000.
Additional Information
Date of Birth : 06th
Dec 1985
Languages known : English & Hindi
Father’s Name : Late Shri Amar Nath Mishra
Marital Status : Single