Experience

Tata Capital

• India
• Financial Services
• 700 & Above Employee

• Regional Ops Manager-Infra Fin (North & East)

  • Nov 2010 - Present

  PROCESS MANAGEMENT AND IMPROVEMENT:•Managing the infrastructure loan operations with key focus on bottom line profitability by ensuring optimum utilization of available resources, ensuring compliance with branch service levels in terms of accuracy and TAT. •Mapping of business requirements and coordinating with branches for smooth functioning of processes in line with the present guidelines viz. productivity, TAT and audit/quality.•Designing processes for tracking the file movements from Branch to storage.OPERATION RISK MANAGEMENT •Supervising customer service for rendering and achieving high quality by resolving queries pertaining to TDS Refund, termination, contract related issues.•Managing branch banking activities like daily receipt entry, cash collection processes, reconciliation of unidentified bank debits and credits.•Preparing MIS and other statements with a view to appraising management of the operations deptt and assist in critical decision making process.•Coordinating with various audit processes and evaluating internal control systems with a view to minimizing and controlling operational risk.•Managing post disbursal processes like booking, cancellations, payment to Dealers, maturity of contracts, closures and foreclosure of loan cases.CREDIT ADMINISTRATION•Appraising proposals and scrutinizing documents before disbursing loans.•Non discrepancy checks of sanctions and disbursement of files and their further processing within TAT.•Looking after the collection of Branch paid up and Time matured cases on PAN India levelPEOPLE MANAGEMENT:•Leading a team of 20 members’ team and implementing strategies for building team effectiveness by promoting a spirit of cooperation between team members, monitoring performance and providing them feedback on areas of improvement.•Determining the training needs of employees and coordinating with L & D dept to enhance their operational efficiency. Show less

• Regional Ops Manager Infra Finance (North & East)

  • Nov 2010 - Present

  14 Years of Experience in Retail Operation,Audit (both Internal and External), Compliance , Admin,Customer Service etc.



IIFL (India Infoline Group)

• India
• Financial Services
• 700 & Above Employee

• Vice President Operations-North

  • May 2008 - Oct 2010

  IMPLEMENTATION OF HO POLICIES: •HO policies and circulars being implemented at the branch /zonal level on operations side. Monitor and implement penalties for non-compliance with rules and regulations. PROCESS IMPROVEMENTS: •Initiatives to bring about process improvements in all areas of operations like account opening, back office, front office, DEMAT opening leading to better customer satisfaction. COST CONTROL MEASURES: •Monitoring the Cost/Income ratio and identify areas of wasteful expenditure. Basic objective is to reduce cost thereby improving the productivity. RECRUITMENT AND TRAINING: •Identifying the optimum requirement of manpower and planning for recruitment of both functional and behavioral training with the help of Training Dept (including in house) ADMINISTRATION & LOGISTICS: •Responsible for developing effective administrative machinery at zonal level. Responsible for arranging the Travel / Stay / Visit arrangements of senior management. DAY TO DAY OPERATION: •Petty cash management at branch and zonal level &100% error free data entry •Insurance Payout follow up for pending cases. •Registration of professional tax , shop and establishment certificate of branches •Responsible and accountable for zonal account opening team. BRANCH COMPLIANCE, MANAGEMENT OF ASSETS AND CAPEX CONTROL •Ensuring the branch compliance from the regulators point of view .Periodic checking of the branches to find out the compliance are in line with the HO guidelines. Safeguarding the assets of the company through proper records and transfer. PERFORMANCE APPRAISAL: •Setting up of KRAs and Performance Appraisals of North Ops Teams. •Arrangement of training for Ops team from time to time (both functional as well as behavioral) Show less



Tata Motors Finance

• Financial Services
• 700 & Above Employee

• Area Operations Incharge

  • May 2004 - May 2008

  •Looking after the Sanction, Disbursement and Booking of Commercial Vehicle , Passenger Car, Refinance Loan Files •Supervising the day to day cash collection of the branches •Monitoring the PDC banking ,Clearance activities of spoke locations •Supervising the Customer service dept for stellar customer satisfaction. •Supervising the termination of matured contracts, issue of NOCs, retention of existing customers for refinance purposes. •Conducting training from time to time to appraise the branch ops executives regarding the latest changes in KYC and Credit policies. •Preparation of periodic MIS regarding reduction of PDC error, Suspense Clearance PAN reconciliation, daily OTC banking, file management etc. •Setting out the KRAs of branch operation executives and their appraisal. •Maintaining excellent relationships with different units of branch like Sales, Credit, CPA and collection team. Show less



The Bank of Punjab

• Pakistan
• Banking
• 700 & Above Employee

• Product Executive

  • May 2001 - May 2004

  Managing the process operations for appraising proposals of Home loans files Maintaining delinquency and partly disbursed portfolio. Management of database mgt process and centralized presentation of PDC’s. Comprehensive study of credit worthiness during the process of sanction, credit/loan to corporate/individual clients. Supervising the data verification and field investigation activities with a view to obtaining accurate information to assess the credit worthiness of client. Making collections of post disbursal documents and driving the steps in escalating the process of disbursement with accuracy based fast Turnaround time. Audit compliance relating to legal and Technical. Show less