Bharath Kumar D
Bengaluru
Summary
Results-driven professional with over 11 years in loan agency, syndication reconciliation, and mortgage servicing. Demonstrated ability to lead diverse teams and optimize productivity while mitigating risk. Strong product expertise and communication skills facilitate effective decision-making and deliver positive outcomes.
Overview
2
2
Languages
11
11
years of professional experience
Work History
Senior Consultant - Second Vice President
Northern Operating Services Pvt Ltd
Bangalore
04.2024 - Current
- Conduct thorough analysis of existing processes, identify inefficiencies, and design optimized workflows that improve overall performance and customer satisfaction
- Utilize data analytics to identify trends, measure process performance, and drive data-driven decision-making. Create dashboards and reports to communicate findings and recommendations to stakeholders.
- Collaborated with cross-functional teams, including IT, Operations, Practices, and Business Units, to gather requirements and align process improvement initiatives with organizational goals.
- Generate process enhancement ideas and coordinate the introduction of these changes with supporting documented procedures
- Followed policies and procedures to improve the quality, efficiency, and effectiveness of the team and its contributions to the department.
- Undertook an overseas assignment in Guernsey, providing key support for the successful migration of international loans.
- Developed strong understanding of foreign exchange (FX) processes to support operations across international business units, including London, Luxembourg, Guernsey, Australia, and Canada.
Team Leader
Northern Operating Services Pvt Ltd
03.2022 - 04.2024
- Team Manager for 8 member team servicing Syndicated, Bilateral, Agented and Retail clients
- Created checklists for transactions, reducing processing errors and improving accuracy
- Worked with Legal teams on restructuring documents and notified Syndication participants on Agency deals on the change of pricing options with timelines
- Reviewed agreements for compliance and accuracy. the agreement and boarding the loan onto the system & servicing the loan until it is paid off
- Contributed to the Core Campions team in the ACBS migration project and led the migration for a team of 25 members.
- Oversaw processing tasks to enhance workflow efficiency to ensure efficiency and accuracy.
- Carried out management tasks to achieve performance alignment to align team objectives with performance goals. to align team performance with goals.
- Assisted management team in strategic planning that developed the division's strategic plan by setting goals, articulating priorities, and facilitating excellence in execution.
- Identified risk mitigation opportunities and enhanced controls across department, serving as Risk and Control SPOC
Technical Coordinator
Northern Operating Services Pvt Ltd
02.2020 - 03.2022
- End to end maintenance of loan from draft Credit Agreement review to the final repayment/Termination
- Review of draft Credit Agreement at initial stages of the deal for Agency, Non Agented and Bilateral deals. Provide sign off or feedback to TL
- Ensured service level agreement compliance through regular monitoring and timely interventions
- Met management performance standards in team supervision and implemented management policies and directives
- Organize training programs based on the training need analysis to elevate the skills and productivity of the team
- Prepared weekly metric file on exceptions for discussion with senior management, facilitating informed decision-making
- Effectively incorporated risk management considerations in daily responsibilities and prudently evaluated the risk impacts of actions and decisions.
- Understood & proactively managed the risks associated with the process i.e., Financial, Reputational & regulatory risks through the year.
Senior Operations Analyst
Northern Operating Services Pvt Ltd
05.2018 - 02.2020
- Loan booking and servicing of retail and mortgage clients which are secured by physical collateral (i.e. Real Estate, Physical assets)
- Maintaining deposit accounts (Demand deposit) of the client for the payments due
- Maintained records for floods, hazards, and escrow related to real estate loans. for the loans that are secured by the real estate property
- Ensured timely receipt and application of loan repayments, interest, and letters of credit for syndicated and bilateral loans; maintained accuracy of loan details on applications and facilitated interactions with middle and front offices throughout the loan lifecycle from disbursement to repayment
Team Member
JP Morgan Services India Pvt Ltd
Bangalore
06.2015 - 04.2018
- Servicing Loans for a syndicated deal by ensuring interest fee & loans are updated in the applications when the funds are received or sent by the agents/clients
- Contributed to the North American loan operations team, managing the Non-Agented portfolio.
- Worked on all production activities (borrowings, payments and reprisings), reconciliation (nostros and past dues) and all loan maintenance related activities on the Loan IQ application
- Managed production activities including borrowings, payments, and reprisings, along with reconciliations and loan maintenance on Loan IQ application
- Approved funding and critical transactions to ensure timely processing and compliance
- Ensured all queues and items are completed within the SLA
- Managed operations in the whole lending services department
- Defined roles and duties within the department
Education
Bachelors - Commerce
Bangalore University
Skills
- Loan IQ
- ACBS
- Firestar and TLM
- Wall Street Office(WSO)
- Irecs
- IBS Insight (Metavante)
- Northern Image, Credit Master & Treasury Passport
- Microsoft Suite applications & Power based applications
- EDM, DSM
- Analytical and implementation skills
- Always think and act from a Risk and Controls standpoint
- Proven ability to independently manage complex workloads
- Ability to work independently and co-operatively in a team environment, with an innovative and flexible approach to work
- Organizational and negotiation skills
- Multi-tasking flexibility
- Timely output delivery
- Internal relationship building
Personal Information
Date of Birth: 1994-09-14
DECLARATION
Date of Birth: 1994-09-14
Languages
English
Proficient
C2
Kannada
Proficient
C2
Timeline
Senior Consultant - Second Vice President
Northern Operating Services Pvt Ltd
04.2024 - Current
Team Leader
Northern Operating Services Pvt Ltd
03.2022 - 04.2024
Technical Coordinator
Northern Operating Services Pvt Ltd
02.2020 - 03.2022
Senior Operations Analyst
Northern Operating Services Pvt Ltd
05.2018 - 02.2020
Team Member
JP Morgan Services India Pvt Ltd
06.2015 - 04.2018
Bachelors - Commerce
Bangalore University