Vijay Anand K is a senior manager at Daimler Financial Services with over 12 years of experience in retail asset credit operations and collections in the banking and financial industry. He has a background in risk assessment, portfolio management, process management, and training. Previously he held roles at Barclays Finance, ICICI Bank, and REPCO Bank focused on credit analysis, underwriting, and managing loan portfolios.

1. VIJAY ANAND. K
Site no: 2, 35/2B
Mammannar Ashokar Salai,
M.G Nagar-1
Urappakkam.
Chennai-603 202.
Phone: 044 27468796
Mobile: 9176612446
Email id: vijsav_2003@yahoo.co.in
Synopsis:
A result oriented professional with 12 years' domain expertise in retail asset credit operations and
collections in Banking and Financial Industry. Adapt in managing & leading teams towards better service
standards. Currently employed with Daimler Financial Service as Senior Manager - Wholesale Credit.
Key Result Areas:
< Corporate and Retail Risk Assessment and appraisal, including detailed financial analysis, disbursal of
loan and post disbursal, collateral Management
< Portfolio management, identification of laggard and performing segments
< Productivity management and Cost Reduction
< To ensure adherence to various audit and compliance guidelines
< Managing healthy work environment, inculcating bonded teamwork with high work ethics. Mentoring
and guiding the Credit Processing Agents (CPA)
< Training CPAs and Sales Team on a regular basis
< Process Management to ensure smooth flow of day-to-day operations and reduce Turn Around Time
(TAT)

2. Career Contour:
Organization - Daimler Financial Services India Private Limited (Mar'11 to Till date)
Senior Manager - Wholesale Credit Analyst
Reporting Authority- Head - Wholesale Credit
Accomplishments
- Analyzing and accessing Credit Risk of corporate customers and make prudent credit recommendation
- Conducting annual credit review to continue the credit facilities for Fleet customers or dealers
- Conducting credit analysis and payment capability for debt restructuring or refinancing fleet customers
- Conducting write up within TAT guideline with completeness of the required documents
- Responsible for projects to improve credit operation functions
- Administrating the dealer wholesale inventory maintenance process for PC and CV dealers
- Administrating and conducting physical inventory verification of all dealer floor plan stock.
Achievements
Have joined in DFSI at startup stage and involved in development of Whole Maintenance System process
called as WFS single handedly with IT team for which went to Malaysia to develop and train them on
WFS system.

3. Organization - Barclays Finance (Aug '08 to Feb'11)
Underwriter, Retail Unsecured loans since August 2008
Locations handled - Bangalore
Sanction Limit - Rs 5.0 Mn
Reporting Authority- Regional Credit Manager
Accomplishments
. Efficiently managing a portfolio of total asset size of INR 50 Cr approximately.
. Maintained one of the lowest delinquencies and bagged the Least Delinquent Location.
. Consistently delivered best CPA productivity in the region
. Defect free processing of files - zero error rates for FY 08-09 across CPAs handled.
. Manage collections on delinquent accounts on the allocated portfolio
. Collection MIS and daily trackers preparation, updating and monitoring so as to enhance collection
performance at all levels
. Allocation & reallocation of accounts to achieve maximum output
. Tracking of targets and number crunching
. Handling the member queries and interacting with different departments to solve the same within the
allotted TAT.
Achievements
Winner of 2009 Barclays Awards "Award of Excellence "with Dubai Trip.
Honored with Rs.1.5 lakhs cash Incentive for Best performance in 2009.
Continuous Outstanding Performer for each quarter of the year 2009

4. Organization - ICICI Bank Ltd (Jan 07 to July 2008)
Underwriter, Retail Unsecured loans
Locations handled - Chennai - South
Sanction Limit - Rs 5.0 Mn
Reporting Authority- Regional Credit Manager
Accomplishments:
. Monitoring the process from login till disbursements
. Maintaining and ensuring the Timeliness and Turnover around time
. Ensuring the compliance with PL policies
. Continuous training of the employees and DSAs/DSTs regarding policies and related changes
. Ensuring the productivity per employee
. Overseeing and analysis of Portfolio of customers.
. Training & monitoring the performance of the subordinates.
. Investigation of credit screening of deviation and overdue customers & taking preventive action.
. Coordination with Sales, Operations, RCU and Collection team

5. Organization - REPCO Bank (Mar 01 to Dec 2006)
Asst Manager Credit - Retail Unsecured loans - Mortgage Loans
Locations handled - Chennai - South
Reporting Authority- Manager
Accomplishments
> Managing day-to-day Branch Operations
> Analyzing Credit Facility proposals & Preparing Loan documentations.
> Achieving targets of Deposits, remittances, home loans, asset products etc.
> Customer interaction & Clearing customer queries
> Credit Underwriting of loan proposals
> Conducting Personal Discussion - with the customer
> Property Inspection
> Financial analysis as per the credit policy of the - company
> Guidance to the customer on company's policy
Academia
- M.sc Information technology
From Madras University, Chennai.
- B.sc Physics
From Madras University, Chennai.

6. Software Exposure
Finnone -Application Processing System, banking software for processing loan applications
Certifications - PGDCA in Computer Technology, NIIT.
Personal Details
Date of Birth : 07/07/1977
Marital Status : Married
Languages known : English, Hindi, Tamil & Kannada.
Contact numbers : +91 9176612446(M) , + 91 44 27468796
Email id : vijsav_2003@yahoo.co.in

7. Software Exposure
Finnone -Application Processing System, banking software for processing loan applications
Certifications - PGDCA in Computer Technology, NIIT.
Personal Details
Date of Birth : 07/07/1977
Marital Status : Married
Languages known : English, Hindi, Tamil & Kannada.
Contact numbers : +91 9176612446(M) , + 91 44 27468796
Email id : vijsav_2003@yahoo.co.in