Collin Muller R

Inbound Customer Service | Hotlisting & Account Security | Needs-Based Cross-Selling | Compliance & Fraud Prevention | High-Volume Call Environment

• Handled inbound calls in a fast-paced environment, rapidly diagnosing issues and prioritizing between service requests, security alerts, and sales opportunities.
• Strengthened customer relationships through excellent communication skills, active listening, and understanding individual needs.
• Educated clients on available products and services, promoting cross-selling opportunities to benefit both the bank and customers.
• Enhanced customer satisfaction by efficiently handling high volume of inbound calls and addressing their banking needs.

• Loan Operations Specialist with 1.6 years of experience in managing the end-to-end disbursement cycle for Loan Against Shares (LAS) products. Proven ability to ensure accurate collateral validation, pledge creation, and regulatory compliance, while streamlining processes to reduce disbursement TAT.
• Executed disbursements for LAS products by coordinating with depositories (NSDL/CDSL) for e-pledge activation and ensuring adherence to approved LTV ratios.
• Managed the sanction-to-disbursement process, including final document check, KYC verification, and system input, reducing errors by 15%.
• Monitored collateral value daily to identify margin shortfalls and triggered alerts to the Risk Management team.
• Liaised between Credit, Risk, and Depository teams to resolve pledge discrepancies and ensure timely disbursement.
• Technical: Loan Against Shares Disbursement, Collateral Valuation, NSDL/CDSL Depository Systems, LOS/Finnacle, SEBI/RBI Compliance, MS Excel
  Process: Pledge Management, Disbursement Operations, Margin Monitoring, Documentation, Audit & Reconciliation

Process Keywords:

• Loan Against Shares (LAS)
• Securities-Based Lending (SBL)
• Collateralized Lending
• Disbursement Process
• End-to-End Disbursement
• Loan-to-Value (LTV) Ratio
• Collateral Valuation
• Margin Shortfall / Maintenance
• Pledge Creation & Activation
• NSDL / CDSL (Indian Depositories)
• Electronic Pledge (e-pledge)

Technical Skills

• LMS (Loan Management System)
• Core Banking Software (e.g., Fin-one , NLADS)
• Depository Systems (NSDL, CDSL )
• MS Excel (Pivot Tables, VLOOKUP)
• Document Management Systems
• Audit Trail Maintenance
• KYC (Know Your Customer) Verification
• Financial Statement Analysis

Results-driven data professional with 4 years of experience designing, implementing, and monitoring data quality frameworks. Proven expertise in data profiling, root cause analysis, and process improvement to ensure data integrity, accuracy, and consistency. Adept at collaborating with cross-functional teams to establish governance standards and drive data reliability for strategic decision-making.

• Preparing the physical file for storage to Writer's record management on daily basis.
• Maintaining the data sent to storage.
• Rectifying the errors of files.
• Acknowledgement of the data sent to our client.
• Co-ordination with vendor to complete the project as per the given TAT.

• Managed the XML tagging and metadata entry for a repository academic journal articles.
• Performed quality checks on edited content, ensuring it met client-specific style guides and formatting standards.
• Collaborated with the quality assurance team to maintain a quality score above 98.5% across all assigned projects.
• Data Entry & Processing, Quality Control, SOP Adherence, SLA Management, Transaction Processing, Reporting
• Izaac Tool to be used to Convert Old News Papers Gazettes Into Xml with the help Of OCR.
• Segregate The News Paper according to The Headlines, Subtitles And Contents.