KARTIK K
Backend Operations Professional
K.Pudur
Summary
Proficient operations leader with 23 years of experience, focused on enhancing growth in risk management, revenue, and productivity, with a distinguished history of orchestrating, scaling, and transforming operational processes.
Accomplished management expert with more than 22 years in banking and backend operations. Skilled in guiding teams to achieve common goals while implementing progressive strategies for performance enhancement. Dedicated to leveraging experience for mutual growth and operational success.
Overview
7
7
years of professional experience
4
4
Languages
Work History
SENIOR MANAGER BRANCH CONTROL UNIT
IDFC FIRST BHARAT LTD
01.2025 - 12.2025
- Handling the NEFT Failure cases and reconciliation between January 2025 and August 2025.
- Reviewing the NEFT Failure cases cancellation and re-disbursement.
- Monitoring the operations of IFBL north branches
- Taking care of refund process for all products
- Dealing with the digital swap process for all products
- Coordinating for the closure of SRs pending through the branch ops team.
- Supported the IFBL team for all Finnone products DVU QR resolution with the respective product and process bank team.
- Coordinating with the IFBL team and Bank team for BR.NET related MHL/JLG QR resolution.
BRANCH OPERATIONS AND SERVICE MANAGER
IDFC FIRST BANK LTD
04.2022 - 01.2025
- Handling the underwriting process of IFBL Gold Loan renewals from April 2023 till date.
- Supported the IFBL team for all Finnone products DVU QR resolution with the respective product and process bank team.
- Coordinating with the IFBL team and Bank team for BR.NET related MHL/JLG QR resolution.
- Training Initiator for Commercial Vehicle Loan processing(Documentation,system flow and Query resolution) for all IFBL regions.
- Guiding the IFBL team on disbursement related queries for all Finnone products.
- Acting as the bridge between IFBL and IDFC First Bank for all process and product related concerns.
- Liaising with the Commercial Vehicle business and product team for streamlined disbursements.
- Singlehandedly apprised the IFBL Gold Loan underwriting process during the period May- Nov 2022.
MANAGER CENTRAL OPERATIONS
IDFC FIRST BHARAT LTD
04.2019 - 04.2022
- Managing a team of 1000 professionals through the support of 32 Cluster Operations Managers
- Handling the backend operations for Microfinance products.
- Handling the operational activities and disbursements for Two Wheeler, Home Loan, Loan against property, Rural Micro enterprise loan, Rural Personal loan, Gold loans and commercial vehicles for rural segment.
- Adherence to the SOPs with good business ethics.
- Liaising with all other support functions to ensure smoother operations flow.
- Working out ways to enhance operational efficiency of the organisation.
- Maintaining the customer satisfaction index within the ambit of SLAs, work processes and managing cost-effective operations.
Education
Doctorate - Business Administration
Global Human Peace University
01.2022
PGDBM - undefined
Sri Sringeri Sharada Institute of Management
Delhi01.2002
Skills
Well versed with Finnone, SFDC, MS Office, Windows and Internet Applications
Accomplishments
Successful implementation of Two wheeler business operations in IDFC FIRST BHARAT LTD during 2019-22.
Successful implementation of the Commercial Vehicle business operations in IDFC FIRST BHARAT LTD during 2022-23
Closed 130000+ pending errors of 2019-22 for TW product within 2 months (Aug-Oct 2025)
Timeline
SENIOR MANAGER BRANCH CONTROL UNIT
IDFC FIRST BHARAT LTD
01.2025 - 12.2025
BRANCH OPERATIONS AND SERVICE MANAGER
IDFC FIRST BANK LTD
04.2022 - 01.2025
MANAGER CENTRAL OPERATIONS
IDFC FIRST BHARAT LTD
04.2019 - 04.2022
Doctorate - Business Administration
Global Human Peace University
PGDBM - undefined
Sri Sringeri Sharada Institute of Management