Atul Kumar Chaubey
Senior officer B2
Mumbai
Summary
Handle Assets Operation, checking and verification of documents,processing and disbursement various products as Auto loan , Mortgage loan,Agri loan,Msme loan , Personal loan,Cersai documention as per government instruction, Daily MIS for various business activities , Ensure accurate and timely reconciliation of lending transactions, Identify discrepancy and resolve cross functional issues colleborating with diverse team and deliver intigrated solutions, Checking of all lending transactions and documents verification process, Insure error free settlement and report of daily data to senior management, Tracking of productivity with in timelines ensuring high and faster delivery of disbursement process. Provide regular update and report to senior management and partner regarding reconciliation status, Proficiency in Data analysis tool daily report to senior management Collaborate with Asset ops team to insure audit and compliance reporting as per RBI
Overview
4
4
years of professional experience
2
2
Languages
Work History
Senior officer B2
ESAF Small Finance Bank (ESAF SFB)
05.2025 - Current
- Processer Assets Operation.
- CERSAI Management — Registration and compliance of charges and security interests.
- MIS & Productivity Reporting — Preparing accurate MIS reports, productivity dashboards, and performance analysis.
- Loan File Processing — Scrutiny and verification of loan documents, ensuring compliance and completeness.
- Loan Disbursement — End-to-end disbursement handling across Mortgage, MSME, General Loans, and Vehicle Loans.
- LOS (Loan Origination System) Management — Efficient handling of applications and approvals through LOS.
- Repayment & NACH Duplication — Managing repayment schedules, NACH mandate updation, and handling discrepancies.
- Regulatory Compliance — Ensuring adherence to RBI rules and regulations with timely updates and implementation.
- Cross-functional Coordination — Liaising with Credit Teams and HODs for smooth loan processing and issue resolution.
- Documentation Management — Maintaining loan files, agreements, and records with accuracy and compliance standards.
- Handle Assets Operation, checking and verification of loan DOC in Asset area center,documentation,processing and disbursement various products as Auto loan , Mortgage loan,Agri loan,Msme loan , Personal loan,Cersai documentation as per government instruction, MSME underwriting, documentation, loan account creation, disbursement, and post-disbursement activities
- Creation of loan account in Core Banking System (CBS). Input borrower details, facility codes, sanction terms, and repayment schedules. Link securities and guarantors to the loan account.
Senior Officer
Catholic Syrian Bank (CSB Bank)
08.2022 - 05.2025
- Customer Relationship Officer-Cash and branch operations activities including atm transaction and loan transaction
- RBI Guidelines- Strong understanding of RBI circulars, repo rate updates, reporting requirements, and compliance monitoring.
- Ensuring branch audit -regulatory instruction, including RBIA, concurrent audits, and inspection preparedness. Regular staff training on new RBI/IBA guidelines and compliance updates.
- KYC / AML / PMLA / FIU/PRAVAH/CMS/DBIE /FEMA/COMPANY ACT/Banking NORM AND Decision for control AML And Terrorism Financing Expertise in KYC verification, customer due diligence, AML monitoring, suspicious transaction reporting (FIU guidelines), and PMLA compliance.
- Guiding staff on risk categorization, periodic KYC updates, and transaction monitoring.
- Branch Banking Operations End-to-end knowledge of account opening, CMS (Cash Management System), LOS (Loan Origination System), and disbursement process. Managing gold loan verification, valuation support, and documentation. Monitoring repayment, NACH mandate, and MIS productivity reporting.
- Governance & Ethics Promoting ethical banking practices and ensuring staff follow code of conduct & compliance protocols. Supporting audit queries, rectification of irregularities, and maintaining operational discipline.
- Staff Support & Training Conducting regular branch briefings on compliance, new RBI updates, and operational improvements.
- Mentoring staff on day-to-day banking activities, RBI regulatory adherence, and customer service excellence.
Junior Accountant
VERTEX INFRASCAPE
08.2021 - 04.2022
- Junior Accountant
Education
M.Com - undefined
Mahatma Gandhi Kashi Vidyapith
Varanasi05.2025
B.Com - undefined
Mahatma Gandhi Kashi Vidyapith
Varanasi04.2021
Skills
Communication Skills
Total Work Experience
4,5
Courses Certifications
- Microsoft Excel For Beginner
- Data Visualisation With Power BI
Timeline
Senior officer B2
ESAF Small Finance Bank (ESAF SFB)
05.2025 - Current
Senior Officer
Catholic Syrian Bank (CSB Bank)
08.2022 - 05.2025
Junior Accountant
VERTEX INFRASCAPE
08.2021 - 04.2022
M.Com - undefined
Mahatma Gandhi Kashi Vidyapith
B.Com - undefined
Mahatma Gandhi Kashi Vidyapith