Atish Jayesh Patil
Managing Retail Asset Operations
Pune
Summary
Result-oriented and dynamic professional with rich exposure of Secured and Unsecure Operations, including Customer Relationship Building & Business Development with keen eye on Compliance and Controls. Sound understanding of Banking Practices and Procedures with proven expertise in building profitable business relationships while analysing the market, presently spearheading as Mortgage Operations. Well versed with Software like Finn one, Lentra & MS Office.
Overview
3
3
Languages
23
23
years of professional experience
Work History
Sr Chief Manager
Electronica Finance Limited
07.2024 - 09.2025
- Heading repayment & banking for all branches.
- Bank recon for all the branches.
- Collections payments update with recon.
- Vendor Management for repayments.
- Audit Resolutions
Regional Operations Manager
Aditya Birla Capital
01.2023 - 02.2024
- Handling complete Operations for ROMG for all the products.
- Have handled Buyout Process for ABFL centrally.
- Have taken care for disbursement, post disbursement & Customer service.
- Taking care for documentation storage at IM for West region.
- Handled concurrent & internal Audit.
- Vendor Management.
Area Business Manager
Mahindra Rural Housing Finance
07.2020 - 01.2023
- Handling Rural business for Pune region with 7 Branches.
- Responsible for Recruitment for verticals & setting up the business at Branches.
- Coordinating with Product team to design policy as per Local Market.
- Nil cases in delinquency for Business done in 2 years.
- Taking care for collections for 2 Regions Solapur and Kolhapur. (There are 10 Branches in this area)
- Handling customer services and operations for branches in this region.
- Leading team of 132 members and achieve Monthly targets set by senior management team.
- Handling reconciliation for this all Branches for cash and other payments.
- Successfully set the team in all this location.
- Setting up new process which would help to increase productive.
Regional Operations Manager
Bajaj Finance Ltd
12.2018 - 05.2020
- Part of Core team members who was involved in setting up Used Car Finance Business and Process at Bajaj Finance Ltd.
- Taking Care of Operations for 20 Branches Pan India, Customer Services and Central Operations for Used Car Loans.
- Leading team of 23 members and achieve quarterly targets set by senior management team.
- Maintaining disbursement & Payments TAT on daily basis.
- Maintaining DSA/Dealer Data and releasing payment.
- Responsible for PDD Management and PDD updation within defined TAT.
- Coordinated with all departments such as IT, Product, Credit and Sales to reduce efforts for cross-functional resources and reduce costing.
- Taking initiatives to introduce new projects which can reduce manual efforts.
- Preparing Process notes and SOP for entire operation process.
- Co-coordinating with Finance team to resolve Open items at Finance.
- Responsible for recruitment of employees and training team for all branches Pan India.
- Responsible for recon of disbursement payment made to all dealers.
- Tracking the end to end process for Used Car Finance.
- Resolving internal and concurrent audit queries.
- Training given to operations and cross function team on regular basis on operations and compliances policies as per company guide lines.
- Presenting monthly Used Car Finance over all Operations report to Senior Management team.
Regional Operation Manager
Muthoot Home Fin India Ltd
11.2017 - 11.2018
- Taking Care of Operation Department (Disbursement / Customer Service/ Accounts Department) for ROM.
- Supported Human Resources with respect to recruitment, training, development, and employee performance for ROM.
- Coordinated efforts for cross-functional resources and regional partners to add value to new business initiatives and reduce costing.
- Transitioned to a fully automated work environment that streamlined operations and productivity.
- Taking care and resolving Audit queries for all the locations and coordinating with Audit department at Head Office.
- Established customer-service standards that exceeded customers' expectations. Resolving Customer issues and MD escalation cases for Rest of Maharashtra.
- Taking initiative by which we case simplify process for disbursement and give good service to Customers.
- Training Given to operation and cross function team on monthly basis.
- Responsible for training and developing a team of managers to run an efficient operation.
Operations Manager
Axis Bank Ltd
06.2013 - 10.2017
- Products knowledge of Home Loan/LAP/PL/AL/CV/CE
- Scrutiny of files/agreements/cheques as per bank circulars.
- Monitoring Data Entry & processing files for Disbursement.
- Coordination with CPU for disbursements.
- Managing dispatch of disbursed files/Cheques/ECS/NACH.
- Managing MOE Creation & NOI
- Managing the MIS reports as per requirement of bank.
- Monitoring & coordinating vendor payments.
- Monitoring & coordinating PDD Collection.
- Reconciliation of customer accounts.
- Co-coordinating with all the sales, credit and central ops team for resolving discrepant cases.
Branch Operations Manager
HDB Financial Services Ltd
11.2010 - 06.2013
- Looking after Disbursement for all products for 2 Branches (Products: LAP, Personal Loan, Loan Against Shares and Gold Loan).
- Maintaining the TAT for all the operation process.
- Checking files as per company compliance, Credit policy and operation policy.
- Handling collection portfolio for 2 Branches for all BKT.
- Following up with collection agency and collection officers for resolving delinquent cases.
- Maintaining CMS Tracker for cash and cheque collected and Resolving open items for collections.
- Underwriting done for Loans Against Gold.
- Resolving all Audit Queries for both the branches.
- Coordination with Central Ops Team for resolving all kind of Branch related queries.
- For all LAP Cases collecting original property papers from customers and getting it cleared from Panel Advocate and at the same time cleared papers send to central ops for storage.
Assistant Manager
Barclays Investment & Loans India Ltd
04.2008 - 11.2010
- Manage the complete team of credit.
- Co-ordinate with the Bank , sales team and customer.
- Identifying Fraud and escalating it to higher level to ensure not repeated 2nd time.
- Conducting training on credit policy and process with the credit and sales team
- Implement the product program guidelines and changes if any
- Diligently exercise the approval authority delegated
- Compliance to the policies and procedures laid down by RBI , Government departments and authorities.
- Process compliance to maintain the process flow as required by the system
- Identify ways and means of making credit processes cost effective.
- Continuously monitor the existing credit policies.
- Additional responsibility for Collection The major responsibilities handled are:
- Managing Collection of Personal Loan Portfolio.
- Responsible for Bucket B1 to Charge Off (all 30 plus) with a portfolio size of 3.5 crores.
- Supervising a team of 12 executives of Agency.
- Daily interaction with delinquent customers.
- Maximum field visit for follow up with chronic defaulters.
- Tracking skip customers.
- Responsible for proper designing for collection strategy.
- Suggesting improvement in team process and providing necessary training to improve performance.
Credit Executive
Fullerton India Credit Company Ltd
11.2006 - 03.2008
- Handling the entire 3 verticals of Sales, Collections and Credit Branch.
- Handling the Unsecured and Secured Portfolio for Aurangabad location which is newly set up branch.
- Played a key role in establishing processes.
- Assess the ability and intention to pay of the customer based on the visible proofs, documents submitted by the customer and personal discussion.
- Conducting TVR as well as PD (Personal Discussion) with applicant.
- Preparing full-fledged credit appraisal and risk assessment notes based on information provided and findings from various analyses.
- Work towards better understanding on the credit policy and ensure higher level of credit certifications.
- Initiating steps to improve process and discipline in the market to deliver better services to the customers and channel partners.
- Review and identification of cost saving and process efficiencies.
- The entire basket of product includes both secured (Commercial Vehicles, Mortgages) and unsecured (Personal Loans).
- The entire role model for selling loans and insurance is based upon Relationship model wherein the entire workforce is inhouse and they are responsible for generating leads and converting them in to business.
- Looking after Collections for all products for Branch.
- Helping all the relationship officers for collection as the can keep low delinquency for branch and can help in achieving break even profit for branch.
Credit Processing officer
ICICI Home Finance Company Ltd
02.2003 - 11.2006
- Handling Sanction and Disbursement process for Home loan at ROM.
- Preparing DM and CAM for all the cases as per the eligibility and profile of applicant. Recommending the cases for approval to Branch Credit Manager.
- Preparing part and post disbursal for all the cases as per the calculation.
- Maintaining MIS for all the 11 location for Disbursement and Sanction.
- Coordinating with sale and operation to resolve all open items.
- Resolve all the Audit queries.
Education
B. Com -
Dr BAMU
HSC - undefined
Maharashtra State Board
SSC - undefined
Maharashtra State Board
Skills
Record Management
Pre and Post Disbursement
Buyouts Portfolio Management
Team Management
Reconciliation
Mortgage and Non Mortgage Operations
Cross Functional Coordination
Central Operations activity
References
Available on request
MORTGAGE OPERATION PROFESSIONAL
Experience of 20+ years can be headhunted for spearheading the efforts across reputed organizations in the domain of Banking / Financial Services.
Accomplishments
Received award at Cape town for best Operation Manger with Axis Bank Ltd.
Have successfully handled Data Migration and received award from HOD with Electronica Finance Ltd
Love to play Cricket and listen India Music
I enjoy to play cricket and listen indian Music
Timeline
Sr Chief Manager
Electronica Finance Limited
07.2024 - 09.2025
Regional Operations Manager
Aditya Birla Capital
01.2023 - 02.2024
Area Business Manager
Mahindra Rural Housing Finance
07.2020 - 01.2023
Regional Operations Manager
Bajaj Finance Ltd
12.2018 - 05.2020
Regional Operation Manager
Muthoot Home Fin India Ltd
11.2017 - 11.2018
Operations Manager
Axis Bank Ltd
06.2013 - 10.2017
Branch Operations Manager
HDB Financial Services Ltd
11.2010 - 06.2013
Assistant Manager
Barclays Investment & Loans India Ltd
04.2008 - 11.2010
Credit Executive
Fullerton India Credit Company Ltd
11.2006 - 03.2008
Credit Processing officer
ICICI Home Finance Company Ltd
02.2003 - 11.2006
SSC - undefined
Maharashtra State Board
HSC - undefined
Maharashtra State Board
B. Com -
Dr BAMU