Hemant Kumar

Head Credit & Portfolio Management at X 10 Financial Services Limited (Inflexionpoint Group)

New Delhi Area, India

Summary
analytic Banking & Finance financial analysis Credit Scoring Credit Monitoring Factoring Small Business Lending Credit Risk Portfolio Management
Banking professional with over 16 years of experience. Excels in conceptualizing and building strategies and product programs for Credit & Risk, Portfolio Management & Monitoring, Business Development & Relationship Management and Stressed Asset Management & Collections functions.

Excellent understanding of financial statements, financial ratios, industry & market-intelligence and hands on experience of doing Due Diligence and Structuring of Transactions.

Deep understanding of Working Capital, Term & Project Finance and Trade Finance products.

Experience in developing Specialized Analysis (Portfolio Trends) / MISs and development & implementation of programs for early detection (EWS) of stress in portfolio.

Experience in managing Internal Audit, External Audits and RBI Audits for compliance and adherence to policies and guidelines.

Excellent understanding and hands-on experience of legal processes and procedures of Securitisation, DRT, DRAT, BIFR, CDR and other forums for spearheading collection and recovery strategies.

Experience in handling the external vendors like Valuers, Lawyers, Stock Auditors, FI Agencies etc.

An excellent Team Player, able to work under pressure and meets tight deadlines, taking ownership and being accountable.

A quick learner, adaptable and open to learning & change with excellent analytical skill and decision making ability.
Experience

Head Credit & Portfolio Management at X 10 Financial Services Limited (Inflexionpoint Group)

Oct 2015 - Present

Responsible for managing the existing Portfolio, overseeing Credit & Risk Management and supporting the building up of clean and profitable asset book.

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