As an Area Operations Manager at IDFC First Bank Ltd, I oversee and drive key performance areas that directly influence the organization’s financial outcomes, strategic objectives, and reputation. With more than 14 years of in-depth experience in banking, fintech, and mortgage operations, I’ve honed a robust skill set in process optimization, re-engineering, technology enhancements, audit and compliance management, customer service excellence, retention strategies, co-lending, and strategic planning.I am deeply committed to delivering exceptional customer experiences and generating value for stakeholders. I believe in fostering and developing talent, empowering my team to reach their goals, and supporting their professional growth. My track record includes consistently achieving operational targets, improving efficiency and productivity, ensuring seamless business continuity and load balancing, cultivating corporate partnerships, and managing securitization transactions. I’m always enthusiastic about acquiring new skills and exploring opportunities in the rapidly evolving financial landscape.

Work closely with Zonal Operations Manager by handling various Operations processes like Mortgage disbursement, Cash and FD management, PDD management and customer escalations.• Handling a team of Operations and provide them continuous feedback on the performance including managing their appraisal process.• Authorized signatory for approval of mortgage disbursal and cheque issuance.• Ensuring disbursal of Mortgage application is within TAT and in line with the credit approval to enrich better customer experience.• Managing PDD process of mortgages with an intent of minimizing the PDD pending cases.• Ensuring all KYC checks are performed according to the established policies.• Quality check to ensure the financial documents and Property documents are in place.• Managing operations audit in line with the laid down processes and policies. Responsible for satisfactory audit rating of operations.• Prepared a checklist to ensure a maker and checker is conducted on the all critical operations processes.• Streamlining of operations processes to ensure accuracy and timely delivery by working in sync with the various teams.• Increase efficiency of staff by recognizing opportunities for development and proactively creating new process.• Maintain the MIS of Disbursals for Home Loans and update the same to the higher management.• Training the new staff on an on going basis with existing process and policy.• Managing the FD and Cash Management process as per established policies.

Started my reliance capital journey as off-role employee then promoted as senior executive.in January 2013 got a big opportunity to handled 1st PSL Branch of reliance capital as a senior operations Executive.Handled Reliance First Priority sector lending Branch successfully more than 18 months.Reliance capital gave me a lot of knowledge Mortgage industry.