Kalpesh Bhalerao
Product Manager & Credit Operation Manager
Kalyan,MH
Summary
My experience in the home loan disbursement process & Home Loan Product Manager span over 6 Years . Disbursement appraisers will be responsible for evaluating and confirming loan disbursement requests to ensure they meet the lender's guidelines as well as the borrower's needs. Reviewing loan documents, property documents, and assessing whether funds are appropriate are all parts of this process. In order to minimize risk and ensure a smooth loan process, the appraiser ensures that disbursements are accurate and compliant.
A Home Loan Product Manager drives the end-to-end strategy, development, and profitability of mortgage products. They analyze market trends, define product features, ensure regulatory compliance (RBI/NHB), and collaborate with sales, technology, and credit teams to optimize customer journeys, increase market share, and improve digital adoption.
Overview
6
6
years of professional experience
1
1
Certification
1
1
Language
Work History
ICICI Bank
Product Manager
12.2022 - Current
- Checking loan application form with customer valid KYC as per policy
- Disbursement of Home Loan, Top-up, LAP and Insurance loan & Unsecured business loan
- Process Repayment / NACH of customer for registration purpose after disbursement
- OTC checking and Closure of Deferral in system
- Prepare file and docket after cheque handover for dispatch
- Tracking PDD documents of branch level
- Audit query resolution after disbursement on monthly basis
- To ensure that documents are reviewed as per prescribed policy and coordinating with the internal departments
- Ensure that disbursements are accurate and compliant, minimizing risk and ensuring a smooth loan process
- To ensure Approval Rate / Credit & End to End TAT / Pending Reasons / Rejection Reason to be monitored on real time basis.
- To process loan disbursement as per customer request and timelines laid down by the organization
- Ensure compliance with processes/ procedures stipulated under SOPs, Policies, Guidelines and Regulations
- Prior to approval and payment, review disbursement applications to ensure that all conditions and requirements precedent to disbursement are met
- Define product roadmaps, create new loan schemes, and enhance existing products for various customer segments (salaried, self-employed).
- Conduct competitor analysis, SWOT analysis, and customer research to determine competitive pricing, interest rates, and fee structures.
- Enhance the end-to-end digital experience, from online application to disbursement, reducing Turnaround Time (TAT).
- Work closely with sales (DST/DSA), credit, risk, operations, and technology teams to ensure smooth product execution.
- Ensure compliance with regulatory guidelines, maintain Risk and Control Self-Assessment (RCSA) frameworks, and conduct audit checks.
TATA CONSULTANCY SERVICES
Senior Associate
Mumbai
02.2020 - 12.2022
- Checking loan application form with customer valid KYC as per policy
- Disbursement of Home Loan, Top-up, LAP and Insurance loan & Unsecured business loan
- Works in APS/ FINNONE/ I-DISBURSE & ILENSE
- Process Repayment / NACH of customer for registration purpose after disbursement
- OTC checking and Closure of Deferral in system
- Tracking of disbursement cheque which is >14 days for cancellation
- Prepare file and docket after cheque handover for dispatch
- Tracking PDD documents of branch level
- Audit query resolution after disbursement on monthly basis
- Handling all branch level MIS
Education
MMS (MBA) -
Mumbai University
01.2020
M.com -
Mumbai University
01.2017
B.com. -
Mumbai University
01.2015
Skills
- Banking operation
- Mortgage Disbursement
- Home loan disbursement
Personal Information
Certification
Star of the month
Green Belt Six Sigma Certificate
Certifications
02-2022
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
- Feature Enhancement: Modified the "Track My Application" for better user experience, in collaboration with the technical team.
- Process Optimization: Implemented a self-service, independent disbursement request process.
- Result: Reduced reliance on manual business team intervention, speeding up the process.
Timeline
ICICI Bank
Product Manager
12.2022 - Current
TATA CONSULTANCY SERVICES
Senior Associate
02.2020 - 12.2022
MMS (MBA) -
Mumbai University
M.com -
Mumbai University
B.com. -
Mumbai University