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Anuj Kumar

H-3/118 First Floor

Vikas Puri New Delhi 18
Contact no. : +91-9971266875, Email ID:

Assistant Manager Credit Intelligence Mortgages

(HSBC India LTD)
Objective: To strive for excellence, to work in such an environment that will
enhance my knowledge and career, where I can perform my management skills
according to my strong calibre and efficiency
Highlights of Qualifications:

Admirable experience in analysis of Financial Statements of SENPs and

Non - Individuals
Attention to details of Salaried Individuals
Immense ability to multi-task and prioritize work
Outstanding ability to manage a team and motivate others
Excellent Communication skills in both oral and written form
Skilled to identify and resolve the problems
Proficient in training and developing the skills of team members

Professional Experience:
Assistant Manager Credit Intelligence Mortgages HSBC India Ltd
(August 2015 Till Date)

Approving all the loan applications as per approved credit and lending
policies with liaising with Sales to ensure efficiency along with complying
with internal and external regulatory guidelines;
Reviewing and approving credit analysis within authority, and ensured
that accounts were properly underwritten, risk rated and collateralized to
mitigate risk;
Evaluating, negotiated additional terms, and designed the structure of
credit facilities for select high profile business relationships with significant
conclusions/recommendations and credit facility structure to the corporate
credit committee;
Performing due diligence, credit risk assessment and preparing credit
proposals for sanctioning of credit facilities including financial and
Monitor portfolio credit quality and industry concentration consistent with
Company credit
policies while managing for value and reducing risk potential ;
Designing and implementing an extensive analysis and proposal structure
that improved the depth and quality of credit decisions that resulted in
improved risk mitigation for counterparty credit exposures.

Software Used: AAPS, HUB for All accounts Loans, Bank Accounts, Demand
Credit Module, BPM, Loan Tracker System, Esmart, Blacklist Match

Deputy Manager Credit Policy Group Mortgages (Retail), ICICI Bank

Ltd (May 2012- August 2015)

Analysing the Credit Data and Financial Statements to determine the

degree of risk involved in extending credit and lending money
Analyse financial data such as growth in Income, Strength of Credit Score
Analysing the developments in mortgage with Sales, and finding the
different real estate projects which can be funded with technical managers
Handling Operations for generation of the loan account for the customers
to keep the track of disbursements and discussing the legal of the
mortgage with empanelled lawyers to create equitable mortgage
Following up with clients and lawyers for submission of legal papers for
creating equitable mortgage
Solving the delinquencies of the loan and discussing the same with the
Meeting with Product, and Process group on latest development in the field
of Mortgage

Software used: APS, Finnone, CTL, and Collateral Tracking System

Project Trainee in Axis Mutual Funds Axis AMC Ltd (Jan 2012 April 2012)
Summer Trainee in Religare Finvest Limited Religare Enterprises Ltd (2nd May
2011- 27th July 2011)

Completed MBF (PGP in Business Finance) from Indian Institute of Finance

Delhi Noida & Greater Noida (Batch 2010-2012) 2nd Rank holder
Completed BBA from Guru Gobind Singh Indraprastha University, Delhi
(Batch 2007-2010)
Completed 12th from Central Board of Secondary Education, Delhi (2007)

Professional Certification
Pursuing Business Analytics from Edupristine and Dun & Bradstreet
Credit Analysis, Office Management, Team building & Supervision of Staff, Loan
Documentation, Eligibility Preparation
Additional Information:
Experienced and Goal- oriented Credit Manager with good clean track record of
preparation and analysis of credit applications to determine final loan decisions
and keeping the less delinquencies as well as proper follow-up with customers
post disbursement. Proven expertise in making efficient and profound loan
decisions based on company policy. Overall good performance throughout
academic career and also performed well in extra- curricular activities.
Age and Date of Birth
26 years. December 28, 1989

English, Hindi and French (Elementary)

Dr. T.N. Srivastava, Ex- Chief General Manager, Reserve Bank of India, 601,
ICICI Apartments, Prabha Devi, Near Kirti College, Dadar (West), Mumbai.
Phone No. +91-9892205717; Email id:
Mr. Maynk Bhatnagar, General Manager, Network18 Group Ltd, TV18
Broadcast Ltd, Express Trade Tower, Plot no. 15/16, Sector 16A, Filmcity,