LALIT KUMAR
Banking and Finance
House No 946, Sec 4, Mundi Kharar, Moahli,Punjab
Summary
To secure employment in an organization that provide me the opportunity to utilize my education and experience and progressive professional growth.
Qualified MBA (Finance), B-COM, holder of Diploma certificate in Computer and a competent professional with more than 14 years experience in Banking & Finance Sector, currently associated with HDFC BANK LTD.
Overview
14
14
years of professional experience
Work History
Sr. Sales Manager Home Loan
HDFC BANK LTD.
Mohali
07.2024 - 10.2024
- Overall responsibility of selling Home Loan.
- Managing the sale of home loans through the Virtual channel of Chandigarh.
- Training branch staff and promoting a scheme to increase business.
- Follow up with credit, technical, legal, and disbursement team in case of any queries.
Operations Manager
YES BANK LTD.
Chandigarh
12.2021 - 06.2024
- Responsible for managing disbursement activities, creation of mortgage of immovable property, maintenance of records, cross-selling, and ensuring smooth operations and process compliance.
- Responsible for disbursement of Business Banking Products like Overdraft facility, Cash Credit, Letter of Credit, Bank Guarantee, Loan against Property, Loan against Commercial Purchase, Home Loan, Loan against rent receivables within defined TAT.
- Responsible for verification of loan documents, security documents, including property documents, as per legal opinion, vetting report, and valuation report.
- Responsible for dispatch of loan documents and property papers within Tat.
- Responsible for releasing property documents as per the defined process.
- Responsible for providing training to the business team on a monthly basis to improve FTR.
- Managed daily loan processing operations, ensuring compliance with banking regulations and customer service standards.
Operations Manager
AXIS BANK LTD
Ludhiana
03.2021 - 11.2021
- Responsible for managing disbursement activities, creation of mortgage of immovable property, maintenance of records, reconciliation of dummy accounts, and ensuring smooth operations and process compliance.
- Responsible for disbursement of Business Banking Products like Overdraft facility, Cash Credit, Letter of Credit, Bank Guarantee, Loan against Property, Overdraft against Fixed Deposit, Term Loan against Machinery, and Export Credit with defined TAT.
- Responsible for verification of loan documents, security documents, including property documents, as per legal opinion and valuation report.
- Handling post-disbursement activities like stock statements, insurance policies, and post-disbursement documents updating in the system.
- Responsible for releasing property documents as per the defined process.
Hub Operations Manager
HDB FINANCIAL SERVICES LTD
Manimajra
07.2015 - 03.2021
- Responsible for managing HUB & Branch ops team for disbursement activities, property paper handling, customer service, maintenance of records, and ensuring smooth operations and process compliance.
- Handling all branches of Chandigarh and Himachal cluster, along with Hub Ops team.
- Handling all verticals like Branch lending (PL/LAP/GL), DSA (LAP), Commercial Vehicle, Commercial Equipment, Two Wheeler, Car Loan, Consumer durable, and Customer Services.
- Responsible for Customer Services/Administrative activity and resolution of queries within TAT.
- Responsible for verification of loan documents, security documents, including property documents, as per legal opinion and valuation report.
- Responsible for releasing property documents as per the defined process.
- Responsible for processing Mortgage transactions through lawyers for registry cases and balance transfer cases.
Sr. Team Member Operation
ING VYSYA BANK LTD
Chandigarh
05.2013 - 06.2015
- Responsible for managing disbursement activities, creation of Register and Equitable mortgage of immovable property, maintenance of records, and ensuring smooth operations and process compliance.
- Responsible for disbursement of Agriculture and Business Banking Products like Kissan Cash Credit, Overdraft facility, Cash Credit, Letter of Credit, Bank Guarantee, Loan against Property, Loan against Commercial Purchase, Loan against rent receivables with defined TAT.
- Responsible for verification of loan documents, security documents, including property documents, as per legal opinion and valuation report.
- Handling post-disbursement activities like stock statements, insurance policies, post-disbursement documents, renewals, and AOD updating in the system.
Deputy Manager Business Banking Operation
HDFC BANK LTD.
Chandigarh
05.2010 - 05.2013
- Responsible for managing disbursement activities, creation of mortgage of immovable property, maintenance of records, Cross selling, reconciliation of dummy accounts and ensuring smooth operations and process compliance
- Responsible for disbursement of Business Banking Products like, Overdraft facility, Cash Credit, Letter of Credit, Bank Guarantee, Loan against Property, Loan against Commercial Purchase, Loan against rent receivables with defined TAT
- Acquired new customers and generated revenue income through cross-selling of various third party products by generating leads from branch and sales team
- Responsible for verification of loan documents, security documents including Property documents as per legal opinion, valuation report
- Responsible for releasing property documents as per defined process
Education
MBA - Finance
Symbiosis University
Pune06-2008
B.Com - Commerce
Punjab University
Chandigarh01.2006
One year Typing Certificate -
01.2005
One year Computer Diploma -
01.2004
Skills
- Cross-functional team leadership
- Data-driven decision-making
- Customer service-focused
- Multitasking
- Leadership skills
Accomplishments
- Received Certificate of Appreciation towards Zero Error by the HR Head & Operation Head as certificates of appreciation in recognition if significant to the organization.
- Received customer appreciation letter for meeting their expectations.
Languages
- English
- Hindi
- Punjabi
Personal Information
- Date of Birth: 08/18/84
- Marital Status: Married
Timeline
Sr. Sales Manager Home Loan
HDFC BANK LTD.
07.2024 - 10.2024
Operations Manager
YES BANK LTD.
12.2021 - 06.2024
Operations Manager
AXIS BANK LTD
03.2021 - 11.2021
Hub Operations Manager
HDB FINANCIAL SERVICES LTD
07.2015 - 03.2021
Sr. Team Member Operation
ING VYSYA BANK LTD
05.2013 - 06.2015
Deputy Manager Business Banking Operation
HDFC BANK LTD.
05.2010 - 05.2013
MBA - Finance
Symbiosis University
B.Com - Commerce
Punjab University
One year Typing Certificate -
One year Computer Diploma -
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