JITENDER KUMAR
Karnal
Summary
Results-driven Operations Manager skilled in loan disbursement, compliance assessment, and branch optimization. Leads process enhancements to elevate customer satisfaction and operational efficiency. Oversees financial record keeping and operational controls to ensure audit-ready compliance, achieving significant cost reductions through strategic planning and problem-solving.
Overview
10
10
years of professional experience
Work History
Operation Manager
IndusInd Bank Ltd.
08.2024 - Current
- Authorization of LAP & HL cases entire Haryana
- Oversaw all pre and post-activity for LAP and HL loans to ensure compliance and customer satisfaction.
- Managed PDD follow-ups across the entire state to streamline loan processing.
- Conducted regular follow-ups with sales and credit teams to ensure timely disbursement cheque handover.
- Led a team of four members to achieve departmental goals.
- Executed cancellations of loans to maintain accuracy.
- Performed routine visits to branches for performance evaluation.
- Handling more than Six branches across Haryana
Disbursement Manager
Shriram Housing Finance Ltd.
09.2023 - 08.2024
- Authorization of lap & home loan cases entire Haryana
- Managed all pre- and post-disbursement activities for LAP and HL loans.
- Conducted regular follow-ups with sales and credit teams for timely disbursement cheque handover.
- Executed loan cancellations to maintain accurate financial records.
- Handling more than Six branches across Haryana
- Performed routine visits to branches to ensure adherence to company standards.
- Training sales, RCU and credit team in any policy and process change.
- Preparing e-Record of Delivery, dispatch the files, maintaining Courier Register, mail management.
- Proposed process simplifications and improvements to enhance operational efficiency.
- Analysis of Errors/Exceptions reported by Concurrent Auditors/Central Processing Unit and takes remedial measures to avoid recurrence of the same in future
HomeQualityControlManager
SBICapSecuritiesLtd.(SBIbank)
03.2020 - 09.2023
- Follow up with Lawyers, Builders and sales team for submission of OTC and PDD within the provided timeline.
- Maintained and published MIS of disbursement to provide transparency and facilitate decision-making.
- Executed loan checking, punching, and disbursement processes to ensure accuracy and compliance.
- Property documents checking as per TSR and vetting.
- Resolved customer-related issues at branch level to enhance customer satisfaction and service experience.
- Administered empanelment of connectors to enhance service offerings.
- Responsible for Empanelment of Connectors code.
- Managed branch petty cash to facilitate daily operational expenses.
CustomerServicesManager
PNBHousingFinanceLtd.
04.2019 - 03.2020
- Handling and resolving customer related issues at the branch level.
- Handling loan foreclosure, part-payment, swapping repayment mode other loan related queries.
- Facilitated timely submission of OTC and PDD by coordinating with lawyers, builders, and sales team.
- Executed loan checking, punching, and disbursement processes for HL&LAP in the system.
- Managed vault keys and verified property documents in compliance with TSR standards.
- Managing, vaulting and handing over Original Property papers to property- owner after the closure of loan.
- Responsible for Empanelment of DMA's and Connectors & Deposit Brokers code.
- Prepared and shared CMS excel file with clearing house, ensuring accurate processing of physical instruments.
- Ensured accurate cash handling and managed petty cash for branch operations.
Operation Associate
Muthoot Home Fin India Ltd
Karnal
09.2018 - 04.2019
- Checked loan applications for home loans and loans against property, ensuring compliance with policies, procedures, and legal requirements.
- Collaborated with credit and sales teams to streamline communication and support operational efficiency.
- Coordinated organization of property papers for easy access and compliance with regulations, facilitating smooth processing.
- Ensured accurate maintenance of registers to streamline stock management and customer service.
- Customer service-Foreclosure, Property paper hand over, part-payment, Re-payment, Swapping
- Preparation of various MIS reports on daily (Daily Login, OTC PDD, Disbursement).
Operation Executive
Reliance Commercial Finance Ltd
Karnal
03.2017 - 09.2018
- Checked loan applications of customer's files of LAP, CV, SME & EMB, ensuring compliance with policies, procedures, and legal requirements to mitigate risk.
- Conducted legal and technical assessments to verify compliance with loan policies and enhance operational integrity.
- Ensured file accuracy by logging, preparing CAM reports, and verifying CIBIL information.
- Processed cash transactions efficiently at the counter, ensuring accuracy and security.
- Managed register maintenance to ensure stock accuracy, track key movements, and provide effective customer support.
Education
B.C.A -
Govt.P.G.College Sec-14
Karnal01-2012
DIPLOMA IN EDUCATION -
BSEH
SHRI SR COLLEGE OF EDUCATION07-2016
12th -
B.S.E.H
SD BAL MANDIR SR SEC SCHOOL KARNAL02-2009
10th -
B.S.E.H
AVM HIGH SCHOOL KARNAL01-2006
Skills
- Loan disbursement
- Compliance assessment
- Risk assessment
- Operational efficiency analysis
- Process improvement
- Financial record management
- Customer relationship management
Personal Information
- Date of Birth: 1991-07-03
- Gender: Male
- Marital Status: Married
Languages
Hindi, English, Punjabi
Disclaimer
I hereby affirm that the information in this document is accurate and true to the best of my Place: Date: (JitenderKumar)
Team Handling Experience:
- Manageateamof13employee, providing guidance and support to ensure successful.
- Lead weekly team meeting to update team members of disbursement and OTC/PDD.
- Develop strategies to increase team productivity and efficiency.
Miscellaneous Responsibilities:
- Cheque Signature authority.
- Branch Patty cash.
OPERATINGSYSTEM:
- Finn-one, LOS, CRM
- FTS and KANSOFT,KASTLE
- Finacle , i-works, LMS
- RLMS,CRM, RAAS,CBS.
Custom
Father's Name: Sh. Ram Kumar
Accomplishments
- Top Performer Award FY 2022-23 In SBI CAP Securities (North Zone)
- Hero Award Winner Q4-2023 in Shri Ram Housing Finance
Timeline
Operation Manager
IndusInd Bank Ltd.
08.2024 - Current
Disbursement Manager
Shriram Housing Finance Ltd.
09.2023 - 08.2024
HomeQualityControlManager
SBICapSecuritiesLtd.(SBIbank)
03.2020 - 09.2023
CustomerServicesManager
PNBHousingFinanceLtd.
04.2019 - 03.2020
Operation Associate
Muthoot Home Fin India Ltd
09.2018 - 04.2019
Operation Executive
Reliance Commercial Finance Ltd
03.2017 - 09.2018
B.C.A -
Govt.P.G.College Sec-14
DIPLOMA IN EDUCATION -
BSEH
12th -
B.S.E.H
10th -
B.S.E.H