Kirankumar Dusa

1. National Operation Manager | Assistant Vice President | Apr'23 - Current

2. Lead Operation and Fin Recon | Chief Manager | Apr'22 - Mar'23

3. Central & Digital Operation | Senior Manager | Apr'20 - Mar'22

4. Repayment Operation | Manager | Feb'18 - Mar'20

• Overseeing disbursement for education, educational institutions & digital loans.
• Streamline overall mandate management, EMI oversight and monthly collection activities.
• Oversaw monthly receipting, prepayments, foreclosure, and refunds.
• Successfully designed and deployed a seamless Digital lending journey in collaboration with FinTech and EdTech Partners in adherence to the DLG guidelines of RBI which includes deployment of key technologies such as one-way and two-way VKYC, OCR, Geo-tagging, face-match, liveliness check, video verification, O-KYC process, e-mandate, e-sign agreement, Bureau smart-match, etc.
• High level of engagement with Partners for effectively managing end to end process of disbursements, collections activities for Digital lending portfolios.
• Managing third-party products such as Life, Travel, Medical Insurance and wellness offerings.
• Administer OTC loans, overseeing loan cancellations and applying waivers.
• Supervise bank account reconciliation for disbursement and collection transactions.
• Oversee 25+ balances in accordance with General Ledger, incorporating SOAs, DSRA adjustments, FLDG adjustment and reversals.
• Monitored 20+ metrics, productivity, preparing monthly presentation decks for review.
• Coordinate internal, statutory, and RBI audit needs and respond to identified observations
• Overseeing automation projects for Ops department and Production deployment following UAT.
• Oversee co-lending portfolio management, ensuring accurate reconciliation and effective channel partner empanelment.
• Collaborate with diverse partners including Banks, FinTech, EdTech, Co-lending, and Insurance
• Oversee service requests and escalations from customers, partners, and branches to ensure effective resolution.
• Enhancing processes and routinely revising Process Manuals and policies.

Special Projects:

• Core system migration and its rectification entries passed in loans.
• Successful implemented such as LOS, LMS, Co-Lending core systems, Disbursement on actual realisation for OTC loans, Collection tracking system, Service Request ticketing tool, enabled VKYC onboarding, Inhouse Payment Portal and Payment Gateway, UPI auto pay, API receipting, resolved difference in GL balance and DSRA balances etc.
• Managed Moratorium, Restructure request and Ex-Gratia payments to Customers.
• End to end process mapping of Digital Lending Businesses.

Job Profile : Loan life Cycle & Banking Management-

• Supervise repayment activities related to ECS, NACH, and PDC execution.
• Evaluating NACH rejection cases and liaising with banks and customers.
• Collaborating with CMS Partners to ensure timely payment clearances.
• Initiated Pre and Foreclosures, Settlement, Write Offs, Marking of Repo & Sale in system.
• Monitored collections and reconciled receipt books for accurate financial reporting.
• Coordinated resolution of bank open items to enhance operational efficiency.
• Conducted thorough reconciliation of retail loan balances using SAP (Accounts) while ensuring accurate reporting to bureaus.
• Resolution of PAN India dealership and customer service inquiries.

Job Profile : Repayment Management

• Evaluated dues versus execution of PDC, auto debit, and ECS modes, publishing report to Senior Management, PDC banking team, and Regional OPS regarding EMI presentation status.
• Facilitate clearance status for Centralized PDC banking, CMS banking, Auto debit, ECS cases.
• Published Bounce report detailed TAT score attained by Banking Vertical team.
• Recognized process shortcomings and spearheaded enhancements for increased productivity.
• Evaluate Credit Balance cases for all products and submit MIS to Management and Refund team.
• Notifying collection team regarding amount to recover from delinquent customers.
• Resolved customer's Senior Management escalations received via emails & FCRM system.
• Updated swap repayment bank details in system for received requests.
• Managed various projects such as POP (Proof of Payment), Unapplied Credit, Fate Not Known Bounces, and DRE Realisation Marking within Finnone.
• Conducting User Acceptance testing in Finnone & Web Bounce system.