1. Manish Kumar
Contact : 09909012359/manish2_kumar@yahoo.co.in
Seeking middle to senior level assignments in Strategic Planning, Business Development, Process &
Operations Management with an organization of repute preferably in Microfinance, Banking &
Financial Services or Service industry.
Profile Summary
A competent professional with nearly 8 years of experience in
~ Operations Management ~ Process Management
~ Data Reconciliation ~ Client Relationship Management
~ Attrition Management ~ Team Management
~ Business Expansion ~ Risk Management
Demonstrated business acumen in managing the operations, effectively discharging the
functions and achieving higher rate of organic growth.
An Out of the box thinker with proven track record of Establishing process, streamlining
workflow and creating teamwork environment to enhance productivity innovatively.
Expertise in JLG and Individual lending model of Microfinance business.
Demonstrated experience in the practical implementation of detailed project (BC model) to
be transitioned/migrated, helping in creating of detailed processes including risk mitigation
documentations.
A strategist & implementer with recognized proficiency in spearheading business with an
aim to accomplish desired plans and targeted goals successfully
Proficient in leading dedicated teams for running successful business operations and
experience of developing procedures and service standards for business excellence.
Expertise in handling all business development activities, analyzing market trends &
establishing healthy & prolonged business relations with clients, thereby ensuring higher
market share.
Excellent interpersonal skills with problem solving, logical thinking and analytical abilities.
Core Competencies
Establishing corporate strategies for achievement of business targets along with handling
business planning operations & analysis for assessment of revenue potential in business.
Monitoring the overall functioning of processes, identifying improvement areas and
implementing adequate measures to maximize customer satisfaction level.
Preparing MIS reports as per management requirement and assist them in critical decision
making process.
Identifying and pursuing business opportunities through market surveys and mapping as per
targeted plans.
Responsibility for fund management, Disbursement of fund, & Risk involved in operation.
Formulating strategies, planning for expansion, recruitment, training of new
staffs, mentoring of existing staffs.
Estimation of credit need of the customer, appraisal of proposal, monitoring the critical
overdue (if any) and implementation of business plan.
Assessing customer / staffs feedback, evaluating areas of improvement and providing
critical feedback to the management on achieving higher customer and staffs satisfaction.
2. Providing direction, motivation & training to the field sales team for ensuring optimum
performance for the region.
Organizational Experience
Current Assignments:
Aug 2015 - Working with Yes Bank Ltd. as Asst. Vice President (Risk Monitoring -ISB).
Previous Assignments:
* Since April 2007 to 30th
June 2015 with Swadhaar (Swadhaar Finacess, Swadhaar FinServe, SIMS)
*April-14 to 30th
June 2015 : As Dy. General Manager Swadhaar Information and Management services
(SIMS)
Key result areas :
~ Gurjat contributes >50% of company portfolio. Currently all Gujrat branches are working in
BC model with RBL bank ltd. Gujrat has almost negligible attrition rate.
~ Accountable for Gujrat operation. Managing Business, Operation, risk, staffs and overall
profitability of the organization.
~ Handling a team of 120 people from Field staffs to Area Managers.
~ Following the process / procedure of the organization & ensuring compliance to rules and
regulations of the organization including any new changes in process / policy.
~ Creating and sustaining a dynamic environment that fosters development opportunities and
motivates high performance amongst team members.
* Sept-13 to March-14 : As Project Leader of BC Pilot with SIMS and RBL Bank Ltd.
Key result areas :
~ Single handedly Successfully managed and completed the BC pilot with RBL bank in 5
Branches in Gujrat with achieving 120% of assigned target.
~ Mentored all 5 branches staffs for new model.
~ Contributed in the transition of transforming Swadhaar from regular MFI to BC of RBL
bank ltd.
~ Helped training, operation, product and process team in their department.
~ Helped accounts department to design the process for reconciliation.
* April 13 – Aug-13 : As Regional Manager for Gujrat Region with Swadhaar FinServe Pvt. Ltd.
Key result areas :
~ During April-13 to Aug-14 handled a new project of Business expansion in new states MP
and Rajasthan
~ Surveyed different areas of MP and Rajasthan, Analysis of competition, mapping branches
and its working areas.
~ Finalizing premises, Hiring of AMs, TLs/ BMs and field force.
~ Training of new staffs, handholding and establishing business in all the branches.
* April 11 – March-13 : As Regional Manager for Gujrat Region With Swadhaar FinServe Pvt. Ltd.
Key result areas :
~ As Regional manager responsible for entire region commercial and operational aspects of
business.
3. ~ Expansion of branches in new locations in Gurjat.
~ Hiring, training, motivations of staffs.
~ Liaison work with Govt. agencies, vendors, lawyers etc.
* April 10 – March-11 : As Regional In-Charge for Gujrat Region with Swadhaar FinServe Pvt. Ltd.
Key result areas :
~ Responsible for Gurjat operations of Group lending and Individual lending products.
~ Team management, Staff retention, Quality control, Process implementation.
~ Risk Management and expansion of branches in new locations
~ Crisis management
* April 09 – March-10 : As Area Manager IL Gujrat Region with Swadhaar FinServe Pvt. Ltd.
Key result areas :
~ Established IL product successfully in 4 of Gujrat branches.
~ Hiring, training of BMs, Loan Analysts, Field staffs .
~ Credit appraisal of higher loan clients.
~ Presiding the loan committee responsible for approval of loans.
* April 08 – March-09 : As Area Manager IL Mumbai with Swadhaar FinServe Pvt. Ltd.
Key result areas :
~ Established IL business post Pilot phase in Mumbai branches and created a good portfolio in
few months.
~ Hiring, training of BMs, Loan Analysts, Field staffs.
~ Credit appraisal of higher loan clients.
~ Presiding the loan committee responsible for approval of loans.
* April 07 – March-08 : As Branch Manager with Swadhaar Finaccess
Key result areas :
~ Responsible for Kherwadi branch day-to-day operation, Cash management.
~ Motivation of staffs, expansion of business in new areas in Mumbai.
~ Presiding the loan committee responsible for approval of loans.
Other Experience :
Jan-2004 - March 2005 Trust Arks India as Sr. Sales Manager
Academic Credentials :
MBA from Vaikunth Mehta National Institute of Co-operative Management, Pune (2005-07).
Others :
AMI / Microsave training program on Fiancial management and Internal Audit in 2008.
Completed NIS-Sparta training program on MDP (L1 and L2)
Personal Vitae:
Date of Birth : 12th
Jan 1980
Marital Status : Married
Languages known : English, Hindi, Gujrati, Marathi
Address : A3/201, Natraj Township, Parshuram Nagar Road, Sayajigunj, Vadodra - 390020
