Deepak Joshi
Regional Operations Manager
Patiala
Summary
Seeking a challenging career in a dynamic and leading organization preferably in Banking/ Financial Services Industry that would help me cultivate and nurture my skills to the fullest with an opportunity to display my talent and become an asset to the organization. Positive Regional Operations Manager with an optimistic attitude toward striving to be the best in terms of performance and customer satisfaction. Proficient at carrying out regular operational reviews and leading regional management teams. Knowledge of budgeting, succession planning and performance management.
Overview
7
7
years of post-secondary education
1
1
Language
Work History
Regional Operations Manager – AVP
Axis Bank Ltd
Dehradun
- Managing a team of Area Operations Manager in four hubs of Uttarakhand & Uttar Pradesh
- Providing senior level guidance, motivating and grooming team for next profession level
- Responsible for the overall performance and environment of all hubs within region
- Conducts frequent branch visits to ensure adherence to bank policies, consistency in successful implementation of new process and services
- Ensure that teams are following set policies and procedures on ongoing basis
- Doing regular update, planning and strategy meetings with down line team, peer management and leadership teams
- Performs other job-related duties or special projects as assigned on regular intervals related to Process & Policy changes
- Serves as escalation resource for any issues or concerns in region
- Responsible for team training & new hiring for region.
Area Operations Manager – AVP
Yes Bank Ltd
Ludhiana
- Handling disbursements of Mortgage/Working capital for MIB/SEB segments for Ludhiana, Bathinda and Patiala
- Reviewing post-sanctioned credit proposals and issuance of facility letter and legal documentation to Relationship Manager
- Scrutiny of executed legal documents and advising back office for setting up limits/DD issuance
- Mortgage creation, CERSAI reporting and charge creation with ROC, tracking and closure of deferrals
- Processing renewals, cancellation and post sanction modification of existing limits
- Driving the preparation of MIS reports for providing feedback to top management on performance.
Area Operations Manager – Senior Manager
Axis Bank Ltd
Lucknow
- Responsible for disbursement and customer service of Auto loans, Personal loans, CV/CE, Education loans, LAS and Mortgage segment
- Ensuring that Loan Applications are processed accurately & completely as per the Credit Policies & Operating Procedures as per specified Product Programs & within TAT
- Driving the preparation of MIS reports for providing feedback to top management on performance
- Identifying and implementing strategies for building team effectiveness by promoting a spirit of cooperation between team members
- Upkeep and maintenance of branches and handling admin related activities.
Area Operations Manager – Senior Manager
Axis Bank Ltd
Ludhiana
- Responsible for disbursement and customer service of Auto loans, Personal loans, CV/CE, Education loans, LAS and Mortgage segment
- Ensuring that Loan Applications are processed accurately & completely as per the Credit Policies & Operating Procedures as per specified Product Programs & within TAT
- Driving the preparation of MIS reports for providing feedback to top management on performance
- Identifying and implementing strategies for building team effectiveness by promoting a spirit of cooperation between team members
- Upkeep and maintenance of branches and handling admin related activities.
Manager Operations
Axis Bank Ltd
Chandigarh
- Responsible for disbursement and customer service of Auto loans, Personal loans, CV/CE, Education loans, LAS and Mortgage segment
- Ensuring that Loan Applications are processed accurately & completely as per the Credit Policies & Operating Procedures as per specified Product Programs & within TAT
- Driving the preparation of MIS reports for providing feedback to top management on performance
- Identifying and implementing strategies for building team effectiveness by promoting a spirit of cooperation between team members
- Upkeep and maintenance of branches and handling admin related activities.
Deputy Manager Operations
HDFC Bank Ltd
Patiala
- Handling disbursements of Mortgage and Working capital for BBG/EEG/Mortgage segments
- Scrutinizing relevant documents before sanctioning/ disbursing the credit ensuring compliance with organizational credit policies
- Updation of stock statements and handling vaulting of property documents at branch
- Bank reconciliation and mapping of the disbursement and collection accounts
- Handling customer service for mortgage and consumer loans
- Driving the preparation of MIS reports for providing feedback to top management on performance.
Customer Accounts Manager
ICICI Bank Ltd
Patiala
- Responsible for handling activities pertaining to sanctions/ disbursements of home/consumer loans
- Scrutinizing relevant documents after sanctioning and disbursing the cases ensuring compliance with organizational credit policies, ensuring that Loan Applications are processed accurately (< 1% error)
- Driving the preparation of MIS reports for providing feedback to top management on performance
- Bank reconciliation and mapping of the disbursement and collection accounts
- Awarded the title of “Ops Ka Boss” for the exemplary performance in the month of June ‘08.
Executive Operations
ICICI Home Finance Company Ltd
Patiala
- Successfully handled activities relating to Sanctioning, Banking & Disbursement of home loan cases
- Spearheaded processing of loans on online software’s within agreed turnaround time limits
- Holds the credential of receiving appreciation from ROM (Regional Operations Manager) for maintaining ZERO percent error in sanctioning for over a year
- Successfully bagged 1 rating in yearly Performance Appraisal.
Education
PGDBA -
Symbiosis Centre For Distance Learning
01.2005 - 01.2007
M.COM (FINANCE) - undefined
Himachal Pradesh University
01.2002 - 01.2004
B.COM - undefined
Punjabi University
01.1999 - 01.2002
Skills
Recruitment
undefinedTechnical Credentials
6 Months Certificate Course in computer fundamentals, Working proficiency across MS-Office, Word, Excel, Power Point and Internet Applications
Extracurricular Accolades
Holder of NCC ‘C’ Certificate & offering the distinction of attending Three NCC Combined Annual Training Camps, Regular Army Attachment at Patiala and National Integration Camp at Nagercoil, TN.
Profile And Strengths
Qualified M.COM (FINANCE) & PGDBA (FINANCE) an ambitious, optimistic and results oriented banking industry professional with rich exposure of around 19 years. Currently working with Axis Bank Ltd as Regional Operations Manager – Retail Asset Operations at Dehradun.
Core competencies include;
Home/Consumer Loans
Credit Management
Operations
Relationship Management
TAT Compliance
Client Servicing
MIS/ Documentation
Interpersonal Skills
Process Improvement
Highly motivated, positive and goal-oriented, with demonstrated professionalism, attention to detail, highly developed analytical faculties.
Above average communication and relationship management skills, quick to adjust to new situations and the ability to work comfortably under constant deadline pressure.
Excellent interpersonal skills and hands on exposure to liaise and build professional relationship.
Tel
098727-22226
Personal Information
Date of Birth: 12/23/82
References
Available on request.
Timeline
PGDBA -
Symbiosis Centre For Distance Learning
01.2005 - 01.2007
M.COM (FINANCE) - undefined
Himachal Pradesh University
01.2002 - 01.2004
B.COM - undefined
Punjabi University
01.1999 - 01.2002
Regional Operations Manager – AVP
Axis Bank Ltd
Area Operations Manager – AVP
Yes Bank Ltd
Area Operations Manager – Senior Manager
Axis Bank Ltd
Area Operations Manager – Senior Manager
Axis Bank Ltd
Manager Operations
Axis Bank Ltd
Deputy Manager Operations
HDFC Bank Ltd
Customer Accounts Manager
ICICI Bank Ltd
Executive Operations
ICICI Home Finance Company Ltd
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