1. CURRICULUM VITATE
Manish Kumar
E-Mail:- kumarmanish2004@yahoo.co.in
Seeking challenging assignments in Retail Finance of Auto/Agri Finance/ Equipment Finance,
Sales & Marketing, and Channel (Direct & Indirect) Development in an organization of repute.
Professional Profile:-
 Over 15 yrs.+ exp sales of Rural Products i.e. tractor (new & used),Implements, Combine,
Rural financing of Tractor,Car,2wheeler,3wheelr,Genset,Used Tractor & Car,Credit
analysis of Retail Loans products like Harvester, LCV, CAR, Used Car,2 Wheeler,Genset,3
Wheeler etc.
 Knowledge on Credit Policy Making, Financial tie up of manufacturer with Banks/NBFC,
Dealer Development, Promotion, F.I. Agencies Tie Up , Follow up , Valuer Etc.
 Currently serving as a Zonal Credit Manager for North East for approval of Retail Products
i.e. New & Used Car,2 whlr, 3whlr,LPL under Family Credit Ltd.( a subsidiary company of
L&T Finance Ltd.).
 Holds the distinction of exploring new markets, managing Finance, sales operations, in
relationship building with financers & Manufacturers, Training of field people,
establishing networks for escalating turnovers & achieving desired goals. With a flair for
implementing new systems, streamlining operations, customer relationship management
and proactive business planning.
 Conducting trainings of Credit Process & Policies, Deviations approvals, New Policy
making, resolution of Operation issues, Sales & Collection issues, Audit Team concerns, F.I.
agencies/ RCU agencies relationship to smooth Business flow & process up to Ground
Level.
Career Highlights:-
Since 19th
Oct 2013 till date with Family Credit Ltd. subsidiary of (L&T Finance Ltd.):-
Currently as a Zonal Credit Manager –North East Posted at Chandigarh
Responsibility:-
• Managing Credit team, TAT, Deviation appraisal of all proposals of Retail Products i.e.
New & Used Car, 2 whlr, 3whlr,LPL etc.
• Past also handle PAN India New Car Loans Credit as Team Leader.
• Ensuring completeness of the documentation, compliance with RBI & Company norms
and other regulatory authority and internal directives such as KYC Norms.
• Conducting trainings for our Credit Admin and Sales Force to ensure quality of files
sourced, reliable and smooth verification of applicants and maintaining turnaround time
for each application.
• Responsible for quality of portfolio, Non Starters & NPA Customers. Analysis of
Sourcing, Rejection analysis etc. Help collection team to solving them
• Appointment of New F.I. agencies, follow up of Bill payments, their process, TAT, Frauds,
New Process updation, TVR Team evaluation etc.

2. Responsibilities as Credit Manager Posted at Chandigarh:-
Since July 2011 to Oct 2013 with L&T Finance Ltd. :-
Responsibility:-
• Managing appraisal of all proposals of Retail loans i.e. Tractor (New & Used), Harvester, Cars,
Genset, SCV & LCV Products of North India.
• Interacting with sales manager, branches and credit managers for smooth process.
• Responsible for pre and post sanction credit risk compliance, quality of portfolio, Non Starters &
NPA Customers & help collection team to solving them.
• Credit appraisal and end to end handling i.e. Personal discussion with customer, Trade reference
check, loan appraisal and disbursement
• Conducting trainings for our Relationship Officer to ensure quality of files sourced, reliable and
smooth verification of applicants and maintaining turnaround time for each application.
Responsibilities at Jodhpur Division Head as Cluster Head Posted at Jodhpur (Nov
2010 – June 2011)
• Setup & start the offices at Jodhpur & Bikaner Division with the help of 2 Branch Managers & 8
Associates
• Handling Loans sourcing & Collection of Agri i.e. Tractor , Car , Tractor , SCV.
• Hiring & monitoring sales productivity of Associates, Relationship building with Manufacturer,
Dealers etc.
• Reducing TAT to achieve Customer Satisfaction. Coordination with dealers & their team to
achieve targets
• Co-ordination with Marketing tam, Recovery team & Credit team.
• Planning & implementation of sales growth by identifying channels & other promotional
activities as well as devising strategies in line with competitor’s activities. Like Organizing Loan
Mela & door to door meeting activities of Potential Buyers to catch early Birds of Loan Industry
i.e. Increasing potential by finding new segments
• General day to day Branch administration
Since 18th
Sept’06 to 29th
Oct 2010 with Mahindra & Mahindra Ltd. (Farm
Equipment Sector) as a Senior Territory Manager. Posted at Haryana
Responsibilities:-
 Actively involved in handling the sales and marketing operations of South & North Haryana.
 New dealer’s appointments & development for allocated territory of Haryana state.
 Formulating strategies for increasing business volumes.
 Conducting market research for launching of new products i.e. Equipments: - Harvestor , Rotavator ,
Cultivator etc.
 Working closely on managing 15% of total Tractor Volume of MM.
 Actively involved with Private Financers for smooth financing of Agri Loans in all over Haryana
 Working on the Japanese six sigma project at two of the dealer location
 Conceptualized effective sales promotion activities with active participation in Demonstration, Road
shows, Loan Mela, Exchange Fair, HNPCC Meeting, Nukkar Meetings, Combing etc.
 Mentored and motivated the marketing team comprising of one technician, one demonstrator.

3. (18 Aug’04- 31st
Aug 06) with John Deere Equipments Private Limited designated
as Sales Officer posted at Rajasthan
Responsibilities:-
 Actively involved in handling the sales and marketing operations of sales, service and spares in
Central & Eastern Rajasthan.
 Mentored and motivated the marketing team comprising of 1 Technician and 1 Demonstrator.
 New dealer’s appointments & development for Central & Eastern Rajasthan. (Appointed 9 new
Dealers)
 Conceptualized effective sales promotion activities with active participation in demonstrations,
road shows, Exchange cum Loan Mela and Village mela participations.
 Actively member in core team of John Deere. In which we can directly communicate with Senior
Peoples of John Deere about customer feed backs, requirements of market, changes in existing
products, dealers opinion etc.
Jan’01 –Aug’04 works with Escorts Limited, Faridabad & John Deere Equipments
Private Limited, Pune through {M.I.S Outsourcing (I) Pvt. Ltd. Faridabad} as a
Sales Executive posted at Haryana, Punjab & Rajasthan.
Responsibilities:-
Feb’01- Escorts Limited
Sales Executive, Faridabad {M.I.S Outsourcing (I) Pvt. Ltd, Faridabd.}
 Worked closely on collection village-wise / tehsil-wise Data, mapping of competitors, hp segment
etc. So we can closely monitor the current trend of industry.
 Sales promotion activities with active participation in demonstrations, road shows and mela
participations.
Jan’03- John Deere Equipments Private Limited
Sales Executive Jaipur {M.I.S Outsourcing (I) Pvt. Ltd. Faridabad}
 Conceptualized effective sales promotion activities with active participation in demonstrations, road
shows and mela participations.
 Actively involved in handling the sales and marketing operations of sales, service and spares in
central Rajasthan.
Qualification
 PGDFM (Finance) through Distance Learning from Sikkim Manipal University securing 68.88% in
academic year 2010 -2012
 MBA (Marketing) through Distance Learning from Sikkim Manipal University securing 73.83% in
academic year 2009-2010
 Graduate in Arts (Correspondence) from Kurukshetra University securing 51.2% in academic
year 2001-2004.
 Diploma in Mechanical Engineering from State Board of Technical Education Haryana,
Chandigarh obtaining 62.2%in academic year 1997-2000 from Govt. Polytechnic, Nilokheri. Distt.
Karnal
 Complete 10th
from Haryana Board securing 68.3% in year 1997.
Personal Details
Contact Address : 215, Ravi Dass Nagar, Ekta Vihar Chowk,
Ambala Cantt, Haryana -133001
Phone : +91-171-2691438 / M- 09855207010/09215337010
Date of Birth : 30th
Aug, 1982
Male Married Carrying passport

4. Manish Kumar