Ashu Singh
Working Capital Operations
Agra
Summary
Dynamic operations manager with a proven track record of enhancing organizational efficiency through innovative employee motivation techniques and rigorous policy enforcement. Expertise in industry best practices, market trends, and regulatory compliance drives strategic decision-making and operational excellence. Recognized for a strong analytical mindset that informs business planning and effective problem resolution. Committed to fostering a collaborative work environment that empowers teams to achieve shared goals and exceed performance expectations.
Overview
10
10
years of professional experience
Work History
Branch Operation Manager at Manager Grade
AXIS BANK
05.2021 - Current
- Working in AXIS Bank Ltd. in Agra Location as Branch Operation Manager at Manager Grade.
- My KRA includes:
- Checking the Disbursement files of Multiple Segments of working Capital as Small Business Banking Group, LAP OD, Unsecured Business Loan.
- Checking Property documents via Legal Report and Title Search Provided By Lawyer.
- Checking Valuation Report with Legal Report and mark to sales and credit team to get the FTNR resolved.
- Communicate with lawyer/customer for vetting of Property and vaulting.
- Raising Discrepancies to Concerned RM over the Mail.
- If All discrepancies cleared by RM then Raising Disbursement Memo in LOS to CPU
- Central for Setting Limit in Customer A/C.
- CHG 1 filling by raising request to vendor and its tracking.
- Dispatch tracking of disbursed files is taken care by me.
- Handling All types of MIS related to my branch operations (Disbursement records/Insurance/Cersai/EM Creation, etc)
- Learning of new processes and rolled outs and provide training to all team members and business/Credit team as well.
- Handling of Complaints raised at MD Desk, Nodal Officer and at local Branch level.
- Also, managing miscellaneous activities pertains to branch like Indent of Office stationary.
- Having sound Knowledge of working capital Facilities as Cash Credit, Overdraft, Term Loan, DOD, LAP, Bank guarantee, Letter of credit, Pre shipment and Post Shipment.
Branch Operation Executive as Deputy Manager
HDFC BANK
05.2018 - 04.2021
- Working in HDFC Bank Ltd. in Agra Location as Branch Operation Executive as Deputy Manager.
- My KRA includes:
- Checking the Disbursement files of Multiple Segments of working Capital as LAP,DOD, BBG, ABC,EEG
- Good Knowledge of working capital Facilities as Cash Credit, Term Loan, DOD, LAP, Bank guarantee, Letter of credit, Pre shipment and Post Shipment.
- Checking KYC documents in file as per Customer Category.
- Checking CAM Condition marked by credit at the time of CAM Approval.
- Initiating Legal and valuation to vendor and handover the photo copy of property documents.
- Checking Property via Legal Report and Title Search Provided By Lawyer.
- Checking Valuation Report with Legal Report and Evaluating the Errors.
- Communicate with lawyer/customer for vetting of Property and vaulting.
- Raising Discrepancies to Concerned RM In Laser Soft System and over Mail
- If All discrepancies cleared by RM then Raising Disbursement Memo in Lasersoft to CPU for Setting Limit in Customer A/C.
- CHG 1 filling by raising request to vendor Pre and Post Disbursement as per segment wise.
- Cersai checking of property pre disbursement.
- Tracking of the files receiving and dispatching.
- DISBURSEMENT:
- Disbursement of AGRI(Cash Credit & Term Loan) limit setting & Fund Transfer in customer accounts
- Limit Setting in DOD of mortgage and fund Transfer in LAP
- Making PO & RTGS According to customer needs
- Foreclosure of Mortgage DOD & LAP
- Deduct Processing fee ,Insurance & other Charges from Disbursement Amount OR Short Payment
- Disbursement of Working Capital Loans
- Fund Base –Limit setting in Cash Credit & DOD Accounts in Different Segments as BBG, EEG, CV, AGR, SAB(CC, ODAP, WCDL, SEASONAL limit)
- Non Fund Base –Processing the cases of Letter Of Credit , Bank Guarantee, Buyers Credit, DRULL
- Lien Mark in Customer’s FD For security purpose
- Became “EMPLOYEE OF THE MONTH” For August 2020 in Agra Circle Branches.
Sr. Associate in a Compliance Department
Raghunandan Industries (P) Ltd.
04.2017 - 04.2018
- Company Overview: It is a Stock Broking company situated at Agra.
- Handling Depository Participant activities including execution of Depository Instruction Slips, Dematerialization of Physical Shares, Pledging Of Shares
- Responsible for the creation of trading user Ids for all Exchanges (NSE/BSE/MCX/NCDEX/ICEX/INX)
- Responsible for maintaining the compliance of exchanges regarding trading Ids.
Money Dial
06.2016 - 09.2016
- Company Overview: It was an Online Portal which was launched in October 2016. This is a portal for the financial service providers in India.
- As it was in its initial stage so the work which I used to do was to contact the advisors over phone or face to face and make them understand about the concept, also involved in the testing of the portal.
Prabandhan Management Services Pvt. Ltd.
10.2015 - 04.2016
- Company Overview: A Pune based Event Management Company
- Responsible for communication with the clients over the mails.
- Ensure proper handling of the queries of the clients.
- Responsible for preparing and maintaining the schedule of presentations.
- This position directly reports to the Managing Director.
Education
M.B.A. - Finance
Dayalbagh Educational Institute
01.2015
BBM (Honors) - undefined
Dayalbagh Educational Institute
01.2013
Intermediate Class 12th - undefined
Holy Public School
01.2010
High School Class 10th - undefined
Gayatri Public School
01.2008
Skills
Team leadership
Operations management
Strategic planning
Decision-making
Extra-Curricular/Voluntary Activities
Participated as a volunteer in a 3day international conference PRIM (Practice And Research in Management) in 2011 Attended NSS camp from 23 Dec.-29 Dec. 2010 Participated in 9th and 10thNational Science Olympiad at school level (2007 &2008) Secured 78% in National Mathematics Olympiad Contest (2008) Completed 3 months diploma in computer basics under Jai Ambay Jan Kalyan Samiti, Agra (2008)
Training
- ITC The Mughal Hotel, Agra (2014) Understood the working of the hotel’s billing process and the culture of the corporate world. Indulged in day to day auditing of the reports. Verifying bills of various outlets (Restaurants, bars, Spas, etc.) Verifying the registration cards of the hotel guests Updating currency exchange rates on daily basis
- Birla Sun life Insurance (BSLI), 2013 Gained exposure to the work environment of insurance industry Achieved Insurance Certificate after clearing exam conducted by IIA (Insurance Institute of India)
- Tej Shoes, Agra (leading shoe manufacturing and exporting company across India) 2011 Understood the process of shoe manufacturing Observed the steps of each process in the manufacturing of shoes
Watching Cricket & Listening to Music as per frame of mind
Beyond the physical aspects, cricket can also be a way to relax, relieve stress, and build camaraderie with friends or teammates.
And, Music uplifts mood, boosts mental well-being, and strengthens connections with emotions
Timeline
Branch Operation Manager at Manager Grade
AXIS BANK
05.2021 - Current
Branch Operation Executive as Deputy Manager
HDFC BANK
05.2018 - 04.2021
Sr. Associate in a Compliance Department
Raghunandan Industries (P) Ltd.
04.2017 - 04.2018
Money Dial
06.2016 - 09.2016
Prabandhan Management Services Pvt. Ltd.
10.2015 - 04.2016
BBM (Honors) - undefined
Dayalbagh Educational Institute
Intermediate Class 12th - undefined
Holy Public School
High School Class 10th - undefined
Gayatri Public School
M.B.A. - Finance
Dayalbagh Educational Institute
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