Ran Vijay Kumar has over 8 years of experience in back office operations, credit administration, loan disbursement and recovery in the banking, finance and BPO sectors. He is currently the Branch In-Charge at Janalakshmi Financial Services, where he manages all operational activities including achieving targets, overseeing accounts and supervising teams. Previously he has held roles assessing credit worthiness, loan processing and underwriting at Cholamandalam Investment, Tata Motors Finance and Citi Financial.

1. RAN VIJAY KUMAR
E Mail: kumarranvijay7@gmail.com, Ranvijay.b.kumar@accenture.com,
Contact: +91 8877200294 (M), +91 9507392600(M),
Middle Level Managerial positions as Operation Executive with an Organization of repute
Preferably in the Banking, Insurance, Finance, BPO, KPO Sectors.
PROFESSIONAL OVERVIEW:-PROFESSIONAL OVERVIEW:-
 A competent professional with nearly8 years of rich experience in Back office Operations,
Credit Administration, Loan disbursement, Recovery & Financial Operations.
 Presently associated with Accenture Services Pvt. Ltd. {Janalakshmi Financial Services
Ltd. Dhanbad “Jharkahand” as a Branch In charge (Credit & Operations)} [Accenture
Rebadging Credit and Operations JFS Employee on 1st
Nov. 2015.]
 An effective leader with exceptional communication and the ability to work under cross-
cultural and multi-lingual environments. Adept in handling the high net worth clients,
analysing their financial position & providing them apt solutions based on the same.
 Deft in handling the entire loan process & managing the operations involved in the same.
 Demonstrated communication skills with relationship management & team supervision
abilities.
 Ability to grasp new concepts quickly, a very fast learner.
CORE COMPETENCIES:-CORE COMPETENCIES:-
Credit Appraisal:--
 Appraising Loan applications, conducting risk analysis & scrutinising relevant documents
before sanctioning / disbursing loans, ensuring compliance with company’s credit policies.
 Overseeing receipts & payments of cash & supervising approval of loan proposals &
sanctioning credits after appraising solvency status & verifying documents as well as post
sanction follow-up and disbursal of loan.
 Undertaking various loan disbursal operations, evaluating & assessing the credit worthiness of a
potential home loan customer based on his income papers & profile.
 Adroit in handling the entire gamut of loan processing operations entailing scrutinising the
Documents, Interviewing the Customer, recommending the Loan for sanction double checking
of the File.
Loan Disbursal:--
 Scrutinising legal documents of the property
 Coordinating with technical team and providing regular updates of the property to the customer
for under-construction properties. Undertaking various loan disbursal operations(collecting
legal documents of the property, fixing disbursement cheque, and making disbursements i.e.
release of disbursement cheque)
 Following up monthly recovery of retail loans
Relationship Management:--
 Mapping client’s requirements & providing best products to suit their requirements;
generating business from existing accounts and achieving profitability & sales growth.

2.  Building and maintaining healthy business relations with major corporate & institutional
clients, ensuring maximum customer satisfaction. Developing relationships with key
decision-makers in target organizations for business development.
OCCUPATIONAL CONTOUR:OCCUPATIONAL CONTOUR:
Since 5th Nov.’2014 to 1st
Nov.2015 Janalakshmi Financial Services Ltd. Dhanbad
“Jharkahand” as a Branch In charge (Credit & Operations). (1st MFI in India which
Started using Core Banking System & Sales Force in MFI Sector). Accenture
Rebadging on 1st
Nov. 2015.}
Responsibilities:-
 Performing all tasks in the Sales Force Site (an online Package for on line processing of
all types of loans booked and other process of all over India).
 Overall responsibility of achieving given targets of Branch Disbursement.
 Handling and Supervising Branch All Operational Activities.
 Monitoring, management of Overdue Accounts. Handling a/c of branch profitably with big
disbursement & recoveries.
 Team handling of Operation Assistant and Cashier.
 Supervising the CBS entries.
 Credit checks as per KYC and Org. norms.
 Effective Cash Management & avoid retention of excess cash.
 Cross check Branch Petty cashbook & cash book on regular basis.
 Cash Management, Cash Handling, MIS reporting, GL entry-posting, Trail Balance
reconciliation.
 Register Maintenance, Ensuring Audit compliance, Expertise in Sales Force Dot Com and
CBS, Credit & operation.
5th
Feb.’2013 to Oct.2014’ Cholamandalam Investment And Finance Company Limited.
(Vehicle Finance).,, Saharsa “Bihar” as a Sr. Credit Associate Credit Operations.
Responsibilities:-
 KYC check of Loan application and supporting documents. Scanning of KYC and Credit
docs.
 Complete Loan Application including credit analysis and summaries of Loan Request
and submit to loan request and submit to loan committees for approval.

3.  Login of Loan application Credit check in CIBIL and Others Records.
 Evaluate customer’s records and recommended payments plans based on earnings saving
data, Payment History and Purchases activity.
 Effective processing of Loan Application in conformity with Organization Guideline.
 PDD collection.
 Monitoring of delinquency if any cases with collections Team Specially ED Cases.
 Checking the financial statements and Analyze credit data to determine the degree of risk
involved in extending credit or leading Money.
 Approval of loan from ACM/BCM.
 Follow-up till Loan is disbursed.
 Underwriting and DDE.
 Preliminary Securities of files and Credit approval.
 Petty cash updating
 Customer Relationship Management.
 Swap process
 Banking issues
 Check each file to ensure application is completely filled
 Ensure CIBIL and Dedupe information in sent to SFE.
 Follow-up with ACM/BCM to ensure file is sanctioned on time.
 Double check data entry with application form to ensure correctly filled
 Weekly training for SFE to reduce queries and improve application quality.
 MIS reports on Daily, weekly and Monthly basis.
 Underwriting, TVR and 2nd
FCI.
 To co ordinate with all service providers like RTO broker, Valuer etc.
 Receipting and banking – Collection of cash/cheque/DD, CCMS updation, depositing
the same in bank & managing the receipt books etc.
17th
Oct’2012 to Jan’2013’ Tata Motar Finance ltd. (Intellect Support services Pvt. Ltd.),
Muzuffurpur “Bihar” as Credit Process Associate.
Responsibility:-
 Operating Finone (APS), CIBIL, LMS,SAP Entry and Preparing different kind of MIS for
the convenient as per demand by individuals.
 Preparing Credit Appraisal Memo (CAM) according to customer eligibility and sending
proposal to ACM.
 Mail communication with location & Office head for any Loan processing approval and
End of the Business day status update, tracking of Pre & Post Disbursement documents

4. for file authorization, Coordination with sales & operations team to ensure smooth flow of
file from approval to disbursement.
 Dedicated hard working individual with the intercommunication skills to work at all
levels of the organization, successful in meeting for increase productivity and finding
solutions to meet the need of the customer.
 Check physical files as per Credit Norms.
 Sending proposal for Credit appraisal of Vehicle loan (Product : Tata all variant)
 Maintaining MIS and TAT for logging files.
 To create a better co-ordination, co-operation between sales and credit.
Systems update of the details of the files processed and system Login.
Generating MIS on monthly basis for the hold, decline, and approved and Disbursed files.
Visit the customer for credit comfort..
Compliance of processes & Policies lay down by the company time to time & timely
reverts to the audit queries and the same has to discuss with the
executive in meeting.
Nov.’2008 to 15thOct ’2012’ Cleave Global e-Services Ltd (International BPO ) Noida Sec-63 as
Sr. Process Associate.
Responsibilities:-
 Effectively use all internet databases and phone tools in order to locate
customers/collateral
 Fortifying relationships with contractors and clients in order to service accounts
effectively.
 Scheduling the assigned accounts to be worked by recovery agents
 Generating & submitting the weekly and monthly reports to the management.
 Submitting the reports which should cover business activity, operating problems,
client activity, personnel or legal issues and general information
 Monitoring the recovery industry for competitive changes and new products that
will assist collateral recovery
 Knowledge and thorough understanding of internet search tools utilized to trace.
 Utilising several Internet tools e.g. Google, Accurint, CBC, and Peek You.com. 411.
com. find out customer Current Address, Telephone Number and Place of
employment.

5. In House TrainingIn House Training
Completed Training Programmes through Clint {ASR Nationswide} At ASR Nationwide for
ensuring that every employee is working to see that every account is handled in a Professional,
timely manner.
Jan’2007 to June ’2008’ Citi Financial {SRK}, Delhi as a Sr. Operations Executive.
.
Responsibilities:-
 Performing all tasks in the I-Apply Site (an online Package developed by Citi Financial for
on line processing of all types of loans booked and other process of all over India).
 Contributing effectively in the credit appraisal process for disbursing the personal loan.
 Conducting dedupe checking of all login files.
 Interfacing with the Credit Manager & District Manager & reporting the status to him.
 Initiating health checks for disbursing the agreements PDC Etc.
 Coordinating with the internal and external agencies for smoother processing.
 Generating MIS on monthly basis for the hold, decline, and approved and disbursed files.
 Scrutinizing the transaction legal documents and provide instructions to book and disburse
loans
 Crosschecking that whether the transactions are as per approval grid
 Demonstrating collateral check including verification of the loans.
 Preparing disbursal memo and checking the disbursement process.
 File documents and maintain records and dispatch documents to RMU
 Following up with the customers to validate disbursement receipts
 Managing the customers at the branch, in absence of Sales officer / Unit Manager
 Identifying the concern of the customer queries & delivering them with 100% satisfaction.
 Monitoring the customer satisfaction scores & Audit score of Unit for documentation
 Ensuring that there are Minimum errors in legal documentation.
Mar’06 to Dec.’06 with ICICI Lombard GIC Ltd. {Team Lease}, Delhi as a Operation
Executive.
Responsibilities:-
 Preliminary underwriting of proposals received at branch
 Follow up for required documents with clients, records keeping, cover note
issuance
 Follow up for Speedy issuance of policies.

6.  Effective resolution of all customer queries & policy servicing requests received at
branch thru walk-ins, mail, telephone or advisor, as per prescribed guidelines &
coordination with HO for the same wherever required.
 Escalation of complaints to the appropriate level as per the specified process
 Proper handling of Claim intimations received at branch and supporting HO in
Claims settlement.
 Preparing branch level MIS reports (weekly / monthly). Maintaining of trackers,
 Queries of the insurance centre members, clients and clear all the pending cases in
coordination with the principal insurance companies.
 Error free transaction processing
 To check preliminary underwriting requirements related to the insurance company
and ensure that all the cases are logged in are complete.
 Monitor TAT and quality
 Prepare various daily reports related to submission, Data entry etc.
 Provide database to branch sales teams pertaining to submissions, licensing,
issuance etc
 Administering the Motar Insurance products.
PREVIOUS EXPERIENCE:-PREVIOUS EXPERIENCE:-
Tenure Organization Designation
Nov’04 to Feb’06 ICICI Bank Ltd. (I-Process) “Delhi”
Operations Executive.
ACADEMIAACADEMIA
 BCA from IGNOU in 2003.
PERSONAL DOSSIERPERSONAL DOSSIER
Date of Birth: 1st
March 1977
Permanent Address: S/o -Late- Kanak Lal, Retired Electrical Executive Engineer (B.S.E.B),
Rollbagh Kishanganj (Bihar), Pin: 855107.
Mailing Address: S/o -Late- Kanak Lal, Retired Electrical Executive Engineer (B.S.E.B),
Rollbagh Kishanganj (Bihar), Pin: 855107.
Marital Status: Married.
Date:
Signature
Place:
(Ran Vijay Kumar)

7.  Effective resolution of all customer queries & policy servicing requests received at
branch thru walk-ins, mail, telephone or advisor, as per prescribed guidelines &
coordination with HO for the same wherever required.
 Escalation of complaints to the appropriate level as per the specified process
 Proper handling of Claim intimations received at branch and supporting HO in
Claims settlement.
 Preparing branch level MIS reports (weekly / monthly). Maintaining of trackers,
 Queries of the insurance centre members, clients and clear all the pending cases in
coordination with the principal insurance companies.
 Error free transaction processing
 To check preliminary underwriting requirements related to the insurance company
and ensure that all the cases are logged in are complete.
 Monitor TAT and quality
 Prepare various daily reports related to submission, Data entry etc.
 Provide database to branch sales teams pertaining to submissions, licensing,
issuance etc
 Administering the Motar Insurance products.
PREVIOUS EXPERIENCE:-PREVIOUS EXPERIENCE:-
Tenure Organization Designation
Nov’04 to Feb’06 ICICI Bank Ltd. (I-Process) “Delhi”
Operations Executive.
ACADEMIAACADEMIA
 BCA from IGNOU in 2003.
PERSONAL DOSSIERPERSONAL DOSSIER
Date of Birth: 1st
March 1977
Permanent Address: S/o -Late- Kanak Lal, Retired Electrical Executive Engineer (B.S.E.B),
Rollbagh Kishanganj (Bihar), Pin: 855107.
Mailing Address: S/o -Late- Kanak Lal, Retired Electrical Executive Engineer (B.S.E.B),
Rollbagh Kishanganj (Bihar), Pin: 855107.
Marital Status: Married.
Date:
Signature
Place:
(Ran Vijay Kumar)