Don T. Scaria Email & Phone Number

Mumbai, Mh, In

Mumbai, Maharashtra, India

-Spearheading the movement of Branch related disbursal activities to a Central location to help free bandwidth at the branch for better customer service-Design and implement processes and monitoring process adherence.-Constantly reviewing processes followed at branch/central levels and recommending changes and improvements and Monitoring the release of all new products, process and system journeys for Rural Asset branches Ensuring that all new releases are accompanied by proper… Show more -Spearheading the movement of Branch related disbursal activities to a Central location to help free bandwidth at the branch for better customer service-Design and implement processes and monitoring process adherence.-Constantly reviewing processes followed at branch/central levels and recommending changes and improvements and Monitoring the release of all new products, process and system journeys for Rural Asset branches Ensuring that all new releases are accompanied by proper training and communication to the teams.-Handle customer/branch escalations and taking them to closure. Managing the insurance related pendency across the rural branches. Show less

Mumbai, Maharashtra

- Facilitated the launch of Gold Loan, Personal Loan, Car Loans, Seasonal Loans, Cross sell, and Tractor Loan products.- Managed Moratorium Project, Digital Payments drive, and Migration activity of Micro Enterprises Loan.- Review Branch and Central Audit Responses in a timely manner-Analyze and track negative observations, taking precautionary actions to avoid repeat instances.- Handle all Asset system-related end-to-end flows from requirement gathering to… Show more - Facilitated the launch of Gold Loan, Personal Loan, Car Loans, Seasonal Loans, Cross sell, and Tractor Loan products.- Managed Moratorium Project, Digital Payments drive, and Migration activity of Micro Enterprises Loan.- Review Branch and Central Audit Responses in a timely manner-Analyze and track negative observations, taking precautionary actions to avoid repeat instances.- Handle all Asset system-related end-to-end flows from requirement gathering to production deployment and subsequent training for the teams. Show less

Mumbai, Maharashtra, India

- Monitor the document verification team (quality check) for the Micro Finance unit, and resolve queries from the branches.- Manage the enrolment and settlement of claims for the rural business vertical.- Instrumental in revising the Claim intimation and settlement processes, reducing the stage-wise processing TAT to less than 2 days.- Conduct UAT for system developments and suggest changes to reduce error rates across branches.

Mumbai, Maharashtra, India

- Handled the daily funding requirements of the business.- Coordinated with the Treasury team to accelerate new bank account openings and regularly update the bank master data.- Liaised with external vendors and the business team for claim settlements and loan sanctions.- Worked closely with the product team to reduce loan processing TAT and rejection percentages.

Mumbai Area, India

- Spearheaded restructuring of the sourcing process by integrating technology into the Microfinance business, including supervising development of an in-house Mobile APP, preparing project charter for pilot and final launch, conducting sales training workshops, monitoring dispatch of devices, and handling mobility-related issues in operational states.- Conceptualized and implemented improvements in the in-house loan management portal to reduce process redundancies… Show more - Spearheaded restructuring of the sourcing process by integrating technology into the Microfinance business, including supervising development of an in-house Mobile APP, preparing project charter for pilot and final launch, conducting sales training workshops, monitoring dispatch of devices, and handling mobility-related issues in operational states.- Conceptualized and implemented improvements in the in-house loan management portal to reduce process redundancies and ensure seamless flow, achieving a lower TAT for loan processing. Introduced a Business Rule engine to filter incomplete/incorrect data and automate credit checks.- Transitioned disbursements from a fully cash-dependent operation to a 100% cashless mode by implementing necessary changes in the loan management portal.- Prepared e-modules related to products and business processes in coordination with the L&D Team.- Handled content delivery for business meets, off-sites, and induction programs.- Currently exploring alternative modes of disbursement and collection, such as wallet-based payments, IMPS, and Aadhar-based payments.- Managing eKYC/e-Signing and Host to host arrangements with vendors to fully automate processes, making the business risk-averse, cash-free, and paperless. Show less

Mumbai Area, India

- Undertook the translation and vetting of all documents into regional languages for a more customer- centric approach. Redesigned Disbursement and Collection documents to reduce printing and stationery costs by 30%.- Facilitated building a central repository linked to data from Census and India Post to plot L&Ts pan India presence down to the grassroots level.- Introduced online audits to monitor business activities and take corrective actions.-… Show more - Undertook the translation and vetting of all documents into regional languages for a more customer- centric approach. Redesigned Disbursement and Collection documents to reduce printing and stationery costs by 30%.- Facilitated building a central repository linked to data from Census and India Post to plot L&Ts pan India presence down to the grassroots level.- Introduced online audits to monitor business activities and take corrective actions.- Undertook budget planning and target setting for all employees in the vertical.- Monitored pilot runs for initiatives like instant money transfer, call center-based appraisals, and single account disbursements. Show less

Hyderabad Area, India

- Scrutinized creditworthiness of customer portfolios before sanctioning loans, handling peak volumes of over 25,000 cases per month.- Conducted monthly RAG analysis of field-level staff on parameters such as business volumes, disbursement amounts, age and trade-wise allocation of amounts, new business and rejection percentages, and default status.- Undertook competitor analysis to identify and suggest industry best practices to the business team.-… Show more - Scrutinized creditworthiness of customer portfolios before sanctioning loans, handling peak volumes of over 25,000 cases per month.- Conducted monthly RAG analysis of field-level staff on parameters such as business volumes, disbursement amounts, age and trade-wise allocation of amounts, new business and rejection percentages, and default status.- Undertook competitor analysis to identify and suggest industry best practices to the business team.- Conducted quarterly field visits to train teams, boost output, and monitor process aberrations. Show less

Madurai Area, India

- Responsible for market research, formulation of business plans, target communication, and delivery for a team of over 25 employees. Coordinated and resolved inter and intra branch queries.- Conducted regular training for field-level staff to increase productivity and boost morale.- Initiated various rewards and recognition programs.- Ensured 100% collections were maintained without any process deviations.

Bengaluru Area, India

- Performed benchmarking for HSBC Mutual Funds at The Nielsen Company, including cold calling reputed stock brokers, fixing appointments, meeting them, and gathering their valuable opinions.- Conducted mystery shopping for Sony Ericsson Naite, analyzing retail outlets' promotion of the brand.- Engaged in direct interactions with stock brokers to assess market trends and insights.- Evaluated retail compliance with promotional standards for Sony Ericsson products.

Bengaluru Area, India

- Undertook "Promotion Audit and Competitor Analysis for 7up Nimbooz," interacting with retailers around Bangalore to audit product displays and suggest improvements.- Conducted regular audits of product displays in retail outlets.- Suggested ways to improve product promotion based on retailer feedback.- Conducted a blind taste test to determine the preferred lime-flavored drink among the sample population.

Mba, Marketing

-Active member of the Placement Team. -Designed various aspects of the Summer Internship and Placement brochure. -Won runners-up.

Bcom, Computer Applications

Higher Secondary

Primary And Secondary

Activities and Societies: An active member of various Literary clubs, choirs and NCC. Won the Good Conduct Award (2004) Won various prizes.