ALEXANDER KUMAR
Homebush
Summary
Business outcome oriented Credit Manager for Home Loans and Unsecured Credit with 10+ years of experience and a proven ability of delivering powerful business insights. Responsible for setting credit policies, underwriting of loans & proposal to financial affiliates. I also have a certification on vba and data management.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Unsecured, Risk, & Credit Coach
ANZ Group Limited
10.2022 - Current
- Consumer Cards (Senior Credit Assessment Coach)
- CAD A in Consumer Cards from 01/04/2016 till 20/12/2017
- CAD B in Consumer Cards from 20/12/2018 to till date
- Dual CAD or Super CAD (CC & PL CAD C) holder
- Set credit policies for institution and enforce the policies among credit analysts.
- Conducting induction, training new batches about process, and training cross skill staffs from Melbourne
- Successfully handled team of 15-20 and maintained quality and performance of staffs
- Makes sound credit decisions within policy for all credit card and mortgage applications and requests.
- Assesses accounts in line with credit policy, looking at customer links with the bank, their credit history
- Position carries credit approval authority and management of the company’s warehouse line of credit.
- Prepared and conducted critical presentations for senior management and onshore teams.
- Actively involved in the automation process and spearheaded the testing/validation phase.
- Assist teams in successfully implementing changes towards responsible lending.
- Determine functional gaps, propose workarounds, and identify potential areas of development.
- Initiatives
- Upliftment of bottom quartile with low productivity –productivity improvement plan, regular catch-up with refresher trainings, closely monitoring the productivity of individuals for improvement.
- Handling New starter training and CAD Progression of New and Cross Skill Staffs
- NPS Handling- Identify NPS Scores, Conducting Detailed RCA, Feedback Sessions with Staffs and Attending ONSHORE Meeting for NPS development.
- Managing policy changes and overall credit governance for Unsecured Lending
- Part of the Project team to implement MACRO and AGILE project across Unsecured Lending
- SCRUM Master for Unsecured credit team.
- Managing the credit upliftment of 110 Assessors across US
Unsecured, Risk, & Credit Coach
ANZ Support Services India Pvt Ltd Bangalore India
03.2016 - 04.2022
- Consumer Cards (Senior Credit Assessment Coach)
- CAD A in Consumer Cards from 01/04/2016 till 20/12/2017
- CAD B in Consumer Cards from 20/12/2018 to till date
- Dual CAD or Super CAD (CC & PL CAD C) holder
- Set credit policies for institution and enforce the policies among credit analysts.
- Conducting induction, training new batches about process, and training cross skill staffs from Melbourne
- Successfully handled team of 15-20 and maintained quality and performance of staffs
- Makes sound credit decisions within policy for all credit card and mortgage applications and requests.
- Assesses accounts in line with credit policy, looking at customer links with the bank, their credit history
- Position carries credit approval authority and management of the company’s warehouse line of credit.
- Prepared and conducted critical presentations for senior management and onshore teams.
- Actively involved in the automation process and spearheaded the testing/validation phase.
- Assist teams in successfully implementing changes towards responsible lending.
- Determine functional gaps, propose workarounds, and identify potential areas of development.
- Initiatives
- Upliftment of bottom quartile with low productivity –productivity improvement plan, regular catch-up with refresher trainings, closely monitoring the productivity of individuals for improvement.
- Handling New starter training and CAD Progression of New and Cross Skill Staffs
- NPS Handling- Identify NPS Scores, Conducting Detailed RCA, Feedback Sessions with Staffs and Attending ONSHORE Meeting for NPS development.
- Managing policy changes and overall credit governance for Unsecured Lending
- Part of the Project team to implement MACRO and AGILE project across Unsecured Lending
- SCRUM Master for Unsecured credit team.
- Managing the credit upliftment of 110 Assessors across US
- Developed individualized training programs to enhance athlete performance and skill development.
- Monitored team progress to identify areas for improvement and adjusted strategies accordingly.
Senior Process Executive
Infosys Ltd
01.2014 - 02.2015
- Worked as senior process executive in International Voice Process for British Telecom (UK Client) which deals mainly with customers and clients calls
- Handled successfully 15 members team by training new batch and preparing quality report
- Upliftment of bottom quartile with low productivity –productivity improvement plan, regular catch-up with refresher trainings, closely monitoring the productivity of individuals for improvement.
- Managing policy changes and overall credit governance for Unsecured Lending.
Senior Content & Credit Analyst
Thomson Reuters Pvt Ltd
07.2011 - 10.2013
- Preparing reports based credit worthiness of existing and prospective clients, evaluating clients credit data and financial statements in order to determine the degree of risk involved in lending.
- Analysis of customer applications in terms of credit risk aspects and financial viability. Decision making based on the analysis.
- Perform ratio analysis, trend analysis and create projections to avoid operational losses by adhering to compliance regulations, internal protocol and procedures.
- Preparing deals and underwriting based on company financial positions and performance in markets
Education
MBA - Finance
City College, Bangalore University
Bangalore, India01.2011
B.com - Finance
Sheshadripuram College, Bangalore University
Bangalore, India01.2009
Class XII - undefined
Sheshadripuram College, Bangalore University
Bangalore, India01.2006
Class X - undefined
Maria Niketan School
01.2004
Skills
- Finance: Financial Statement Analysis &reports, FP&A, Risk Analysis, Credit Analysis
- Financial Tools: CDM, Vision Plus, Citrix, Retail Lending Automation Tool, One Pager
- Methodologies: Agile, Kanban, Decision Trees
- Additional Skills: Shorthand, Typing, Tally 90, VBA Basics, Lean Six Sigma Basic
- MS office: MS PowerPoint, MS Word, MS Excel & Outlook, SQL Basics
- Courses Completed: Know your bank, Human Centred Design, Agile & Lean, Process Optimization
- Effective communication
- Group leadership
- Team development
Certification
- Certification in Banking and Finance conducted by Indian Institute of Banking and Finance in 2011
- Certificate in E-Business Management
PERSONAL DETAILS
English, Tamil, Kannada, Telugu
PERSONAL DETAILS
Address: Unit 25/17-19, Burlington Road, Homebush, NSW 2140 Date of Birth: 1987-07-29 Place: Melbourne Date: (Alexander k)
Timeline
Unsecured, Risk, & Credit Coach
ANZ Group Limited
10.2022 - Current
Unsecured, Risk, & Credit Coach
ANZ Support Services India Pvt Ltd Bangalore India
03.2016 - 04.2022
Senior Process Executive
Infosys Ltd
01.2014 - 02.2015
Senior Content & Credit Analyst
Thomson Reuters Pvt Ltd
07.2011 - 10.2013
B.com - Finance
Sheshadripuram College, Bangalore University
Class XII - undefined
Sheshadripuram College, Bangalore University
Class X - undefined
Maria Niketan School
MBA - Finance
City College, Bangalore University