1) Managed a team of 100+ members across 180 branches, overseeing farm loans, microfinance loans, CV loans, SCF, and HL loans. 2) Automated the payout and incentive processes for Co-lending, Direct Assignment and Sales processes. Current TAT of Payouts to investor Bank is under 24 hrs from T+3 days. 3) Successfully centralized entire disbursement process to optimizing efficiency and customer experience. Resulted in saving more than 40-man month in disbursement and services. 4) Led digital initiatives, transforming high-touch processes into low-touch digital solutions to reduce TAT of customer query/ complain revert under 24 hrs. 5) Collaborated with IT team to automate the onboarding process for Top up loans and with single touch point through customer service team only. Now 70% of all used farm loans are STF by this solution.6) Automated Collection updation process to ensure 100% accuracy and nil unidentified deposit. Automated BRS as well with this process.7) Set up collection call centre for digital collection for 0 and 1st bucket customers. Achieved average of 97% collection (allocate pool) and increased the online collection to 90% from 40%.

1) Conceptualized and designed processes for back-end and front-end operations, serving as a foundation for future processes and tech solutions.2) Successfully implemented LOS and LMS for secured, unsecured, microfinance, and revolving loan products.3) Led data migration from legacy system to new LMS, ensuring Loan level and balance sheet accuracy. 4) Created the common process documents with Co-Lending investor bank and system solution for Co-lending and Direct Assignment processes. Help Inducted 9 co- lending partners and 4 investor banks. 5) Collaborated with IT team to develop the customer facing app for supply chain financing products. Business scaled upto 600 crores AUM

Work Exposure: Heading Central Operations for Religare Finvest Ltd and Religare Housing Development Finance Corporation (Subsidiary company of RFL). Central Operation is a ISO 9001 2008 certified department which runs seamlessly on well laid processes and procedures. Major responsibilities of CPU are as mentioned below:  Loan Servicing – Reschedulement (change in financial parameters in loans), Loan Foreclosure, Settlement closures, Customer Communication, Re-aging.  Loan boarding and disbursements – Health check of loan files , loan boarding in systems and payments to customers.  Process Audit and Control – Managing various internal as well as external audits for RFL and RHDFCL like Concurrent Audit, Stat Audit, Regulatory Audit, ISO audits and PSL certifications etc.  Banking Process- ECS/PDC presentation, Status Updation, Account reconciliation, Payouts, collection Updation/s and PDC managements ( Storage, retrieval, data entry and banking)  Vendor Management – Documentation completions, Code Creation in Finance books, Payouts.  Stationery and Store Management – Custodial activities of loan files and property documents, PDD/OTC documents tracking and updation, Stationery Printing and distribution, Stock Management and scanning of loan documents.  Customer communications – Managing timely dispatch of various communications to customers like welcome kits, Interest Certificates, FRR letters, NOC and closure letters.  System Support – Implementation, Enhancement, Testing and Trainings.

Work Exposure: Heading Central Operation for Religare and Maharishi Housing Finance (Subsidiary company of Religare). Loan Servicing - Reschedulement (change in financial parameters in loans), Loan Foreclosure, Settlement, Customer Communication, Re-aging. Process Audit and Control - Managing quality audits and process controls for all operation processes. Banking Process- ECS/PDC presentation, Status Updation, Account reconciliation, Payouts, collection Updation/s and PDC managements. Vendor Management - Documentation, Code Creation in Finance books, Payouts. Stationery and Store Management - Custodial activities of loan files and property documents, Stationery Printing and distribution, Stock Management. Audit Management - Managing external and internal audits System Support - Implementation, Enhancement, Testing and Trainings.

 Loan Processing – Quality check, Loan Boarding and disbursement.  Closures – Cancellation Closures rebooking, foreclosures  Collection Updation – cash Updation, Delinquency reporting and delinquency allocation.  Reconciliation – Daily reconciliation and disbursement and Collection Accounts Back End Insurance Operation – Loan bundling, Maintaining insurance tracker and quality audits.  System Support – Acting as bridge between users and vendor for system enhancement and modifications. This involves identifying the enhancement and modification from users, Identifying solution , Placing order for enhancement with vendor, UAT testing, Implementation.

Responsibilities: Handled mortgage process for a leading US mortgage company as a key offshore member in transitioning all their mortgage process to iGATE. We were handling loan origination, Servicing, default management and corporate audit processes with 180+ associates and 8 team leads Also, undertook loan origination process again for another leading US mortgage company which involved loan boarding, Underwriting, Verbal Verification of Employment and Document Drawing. Handled team size of 80+ associates with 6 team leads.Work Exposure  Transition (From Offshore) :  People- Recruitment, Training , Logistics Technology- Co-ordination with client & internal IT to ensure bandwidth, desktops, software, security etc are in place as per client specification  Process- Complete SIPOC, FTE calculation, Preparation of Statement of Work, Standard Operation Procedure, BCP Plan, Communication Matrix etc. Facility Readiness: Infrastructure Required number people with specified skill set, Systems etc.  Process Handled:  Mortgage Servicing- Escrow Administration, Customer Query- Research & resolution, Auditing. Payoff.  Mortgage Loan Origination (Alt-A, Heloc & Prime Loans) – Loan Setup, Underwriting (Manual, Automated), Verification Of employment, Loan Closing.  Default Management- Foreclosure, Generating reinstatement quotes for bankruptcy and foreclosure customers, Generating payoff quotes and trancards

 Credit and Risk (Mortgage Loans)  Mortgage Loan Underwriting Portfolio Tracking- Delinquency Analysis, Reject Analysis, Segment Analysis Managing CPV and FI vendors Central Operation-Mortgage Loan  Loan Processing – Quality Audit, Disbursement and loan boarding  Loan Administration - Customer Query, Foreclosure & Cancellation closure, Internal Buyouts and Custodial Operations Tracking & reporting - Delinquencies, Post Disbursal requirement & MIS Project Management - Handling various projects on random basis from time to time collateral Management, Collateral insurance, System maintenance etc

deputed in Standard Chartered Bank) - Chennai - Underwriter (Level - 1)Work Exposure Processing Files & Checking creditworthiness of applicant customersCoordinating between Sales, Management & CPAMonitoring Everyday Performance & Collection of each AgenciesPreparing daily & monthly MIS for Credit & Collection.