Kalpesh Ashok Raut
Address = A/22, Guruvidya Society, Manvelpada Road, Near Bank Of Baorda, Virar East 401305
Summary
Results-oriented individual with a passion for continuous learning and innovation. Known for leveraging analytical thinking and creativity to solve problems and deliver high-impact solutions in fast-paced environments.
Overview
8
8
years of professional experience
Work History
Deputy Manager (Credit Operation)
Suryoday Small Finance Bank Ltd
01.2020 - Current
- Responsible for disbursement and post disbursement activists for Mumbai Region
- Handing team 14 members for 4 branches
- Authoring DM (Disbursement Memo) over and above loan sanction amount of Rs. 1 CR
- Authorizing and processing payment in system
- Proving training for new process and changes to team members
- Ensure to download new guidelines and motivate to team members
- Monitoring PDD / OTC MIS and do the follow-up with respected team for closure in TAT
- Coordinating with business team and respected department for pending requirement for smooth process
- Monitoring SPSC and E-NACH/ NACH SI data
- Ensure to closed audit requirement in given time
- Ensure file movements from disbursement to RMC team
- Taking care of loan closure MIS from generating NDC from system to documents handover as per RBI guidelines
- Monitoring customer care MIS and coordination with respected department for closures
- Taking care of waking customers for LOD, FC, NDC, SOA etc.
- Ensure for DMS entry in system. (For LOD)
- Ensure CERSAI charges updation in system
- Ensure for online DD printing (Pay Pro System) and coordination with HO for MIS
- Taking Care post disbursement activities like customer copy, welcome letter dispatchment etc.
- Taking follow up for pending Insurance data for LI and PI.
Assistant Manager (Credit Operation)
Piramal Capital And Housing Finance Ltd
02.2019 - 01.2020
- Monitoring and management of PDD/ OTC documents TAT.
- Coordinating with Legal, technical & field investigation agencies to ensure smooth process flow
- Coordinate with sales team & respective agency managers for pending requirements
- Ensure checks & controls in process like residence, office & Tele FI, other check list like Cibil, Dedupe,
- Authorizing DM (Disbursal Memo) as per the eligibility and technical recommendation of applicants.
- Responsible to achieve branch target in stipulated time.
- Authentication of original documents from Legal team.
- Enter all relevant information to the system (Loan Module )
- Enter all Org documents which is received while disbursement in to system.
- Release disbursement DD to customer / authority Person after Compliance of all Required documents
Disbursement Coordinator
Dewan Housing Finance Corporation Limited (DHFL)
04.2017 - 01.2019
- Disbursement file and docket checking and follow up still system disbursement
- Preparing LOD as per legal and vetting report
- Updating all relevant information to the system (Loan Module )
- NOI initiation and follow up till closure
- Preparation BT MIS and follow up till paper collocation
- Preparation and monitoring OTC And PDD MIS & coordination team with for TAT
- Disbursement cheque printing
- Preparing report in excel
Education
MBA (Finance And HRMS) -
Bharati Vidyapeeth (Pune)
01-2025
Master of Commerce (MCom) -
University of Mumbai (IDOL)
01-2019
Bachelor in Finance And Accounting (BAF) -
University of Mumbai
01-2016
H.S.C. -
Maharashtra State Board
01-2013
S.S.C. -
Maharashtra State Board
01-2011
Skills
- Discrepancy/Non-Discrepancy Checking
- Resolution Customer Queries
- Client Interaction
- Operational Issues
- Timely And Accurate Payments
- Compliance and Controls
- System and Process Optimizations
- Team Management and Development
- Audit Support and Documentation
- Risk Management
- Reporting And Analytics
Languages
Marathi
First Language
English
Advanced (C1)
C1
Hindi
Advanced (C1)
C1
Product
- Home Loan
- Loan Against Property
- Micro - Home Loan
- Micro - Loan Against Property
- Perona Loan
- Business Loan
- SME
- Commercial Vehicle
Personal Details
- Marital Status = Unmarried
- Nationality = Indian
- Date Of Birth = 6th April 1995
Timeline
Deputy Manager (Credit Operation)
Suryoday Small Finance Bank Ltd
01.2020 - Current
Assistant Manager (Credit Operation)
Piramal Capital And Housing Finance Ltd
02.2019 - 01.2020
Disbursement Coordinator
Dewan Housing Finance Corporation Limited (DHFL)
04.2017 - 01.2019
MBA (Finance And HRMS) -
Bharati Vidyapeeth (Pune)
Master of Commerce (MCom) -
University of Mumbai (IDOL)
Bachelor in Finance And Accounting (BAF) -
University of Mumbai
H.S.C. -
Maharashtra State Board
S.S.C. -
Maharashtra State Board
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