KOMAL RAMESHRAO DUDHBADE
Pune
Summary
Dynamic loan operations professional with extensive experience at Mashreq Bank, specializing in regulatory compliance and customer relationship management. Proven ability to validate loan documentation and enhance operational efficiency. Proficient in Flexcube and MS Excel, excelling in fast-paced environments to ensure timely and accurate loan processing while building strong client connections.
Overview
8
8
years of professional experience
Work History
Senior Associate - Loan Operations (Credit Information Unit)
MASHREQ BANK/ANDORTECH
BENGALURU
06.2023 - 03.2024
- Oversaw end-to-end CIU letter generation process, ensuring accurate issuance of liability, settlement, and closure letters.
- Validated loan balances, DPD status, accrued interest, and penalty charges before issuance.
- Ensured compliance with regulatory standards through maker-checker controls.
- Coordinated with retail collections and risk teams for high-value cases.
- Maintained precise audit trails and met strict SLA timelines to support compliance and operational integrity.
- Generated 50 to 80 letters daily, facilitating timely communication with stakeholders.
- Issued reference certificates, free zone letters, IBAN letters, and GDRFA letters for SMEs.
- Prepared daily MIS reports to track performance metrics.
- Demonstrated proficiency in MS Office Excel functions and Flexcube, Prime and CRM.
Customer Service Officer And Loan Operation
AXIS BANK LTD/TEAM LEASE PVT.LTD.
PUNE
10.2020 - 02.2022
- Processed mortgage loan disbursements after verifying terms and documentation.
- Reviewed loan agreements, property documents, and disbursement conditions prior to fund release.
- Managed end-to-end loan servicing lifecycle from post-disbursement to closure.
- Coordinated with credit, legal, and technical teams to ensure timely completion of disbursement requirements.
- Maintained accurate records of disbursements and customer files, supporting effective management and reporting.
- Monitored repayments, overdue accounts, and delinquency tracking.
- Resolved customer queries on loan accounts, foreclosure, part-payments, and interest statements to enhance customer satisfaction.
- Ensured compliance with bank policies, regulatory guidelines, and KYC norms.
Senior Officer (Retail Branch Banking Officer & operation)
ICICI BANK PVT LTD
NAGPUR
01.2016 - 12.2019
- Managed daily branch banking operations, including account opening and transaction processing.
- Served general banking and wealth management customers, ensuring tailored solutions for diverse needs.
- Counseled customers on banking products and services, fostering long-term relationships and satisfaction.
- Assisted customers with retail liabilities and credit card products.
- Generated new business by actively promoting tailored offerings to prospective and existing clients.
- Resolved customer complaints by providing solutions or escalating issues.
- Followed up on escalations to ensure resolution closure.
- Addressed customer queries at the call center, providing accurate information and support. at call center and branch help desk according to standards.
Education
Bachelor of Engineering (B.E) - Electronics and Comm
RTMNU University
Nagpur06-2014
Skills
- Loan processing
- Regulatory compliance
- KYC
- Credit assessment
- Loan management systems
- Digital banking platforms
- CRM
- Data validation
- Excel expertise
- MS office
- Loan product analysis
- Customer management
Timeline
Senior Associate - Loan Operations (Credit Information Unit)
MASHREQ BANK/ANDORTECH
06.2023 - 03.2024
Customer Service Officer And Loan Operation
AXIS BANK LTD/TEAM LEASE PVT.LTD.
10.2020 - 02.2022
Senior Officer (Retail Branch Banking Officer & operation)
ICICI BANK PVT LTD
01.2016 - 12.2019
Bachelor of Engineering (B.E) - Electronics and Comm
RTMNU University