Open To Work
Mahendra Shukla
Credit Operation Manager
Thane,MH
Summary
Seasoned operations leader with 15+ years of progressive experience in NBFCs and banking. Proven track record of building and scaling centralized loan operations, driving end-to-end disbursement and collections, strengthening compliance frameworks, and delivering measurable portfolio growth. Strong expertise in process design, vendor management, MIS, internal audit, and cross-functional team leadership across Pan-India operations. Recognized for transforming start-up operations into disciplined, high-velocity functions and for consistently meeting SLAs and regulatory expectations.
Overview
16
16
years of professional experience
Work History
Manager - Operations
Mangal Credit and Fincorp Limited
02.2024 - Current
- Lead centralized disbursement of business loan, Personal Loan and LAP files with a team of 08 across India
- Scaled loan book from ₹167 Cr to ₹300 Cr
- Supervise day-to-day branch operations and EMI collections
- Oversee complete documentation and fulfilment for loan disbursal
- Managed customer service operations, issuing welcome letters, TDS/interest certificates, foreclosure letters, and statements of account to enhance customer experience
- Ensure strict compliance with internal policies and regulatory norms
- Conduct credit verification and document checks
- Coordinate with vendors for document pickup, FI/RCU verification, and empanelment
- Manage storage of title documents, PDCs, and NACH instruments
- Processed loan closure requests within established turnaround time
- Conducted internal audits to ensure compliance with processes and regulatory standards, thereby minimizing operational risks
- Published daily and monthly MIS reports for operations, finance, collections, management, and branch teams to facilitate informed decision-making
- Train operations, credit, and sales teams on new processes and technologies
- Industry: Finance (NBFC)
- Built and led a process-oriented team across pan-India branches
Senior Manager - Operations
Tezzract Fintech Private Limited
12.2021 - 02.2024
- Lead centralized disbursement of business loan files with a team of 42 across India
- Oversee complete documentation and fulfilment for loan disbursal
- Supervise day-to-day branch operations and EMI collections
- Ensure strict compliance with internal policies and regulatory norms
- Conduct credit verification and document checks
- Manage storage of title documents, PDCs, and NACH instruments
- Handle loan closure requests within defined TAT
- Conducted internal audits to ensure compliance with processes and maintain operational integrity
- Published daily MIS reports for operations, finance, and branch teams to support informed decision-making
- Trained operations, credit, and sales teams on new processes and technologies
- Managed customer service operations, issuing Welcome Letters, TDS/Interest Certificates, and Statements of Account to enhance client communication
- Coordinate with vendors for document pickup, FI/RCU verification, and empanelment
- Expanded loan portfolio significantly across various markets
- Built and led a process-oriented team across pan-India branches
- Industry: Finance
Manager - Operations
Fortune Credit Capital Ltd.
05.2021 - 11.2021
- Led branch operations and followed up on defaulters to minimize risk and improve recovery
- Managed disbursement, compliance, and customer service functions
- Supervised loan closures and managed MIS reporting for accuracy and accountability
- Coordinated vendor management and conducted internal audits to ensure compliance
- Trained staff on updated operational procedures
- Maintained seamless operations during COVID-affected periods
- Worked within finance sector
Assistant Manager - Operations
Digikredit Finance Pvt Ltd (SME Corner)
10.2017 - 05.2021
- Increased loan portfolio significantly by implementing strategic growth initiatives.
- Disbursed business loans and LAP files, ensuring timely processing to meet customer needs
- Managed NACH registration and coordinated with banks to streamline payment processes
- Prepared loan proposals and Credit Appraisal Memos
- Handled customer service and insurance operations, addressing inquiries and enhancing customer satisfaction
- Ensured compliance with business policies
- Trained teams on new operational processes
- Managed document storage and banking instruments
- Handled loan closures and internal audits
- Industry: Finance
- Developed a process-friendly team culture
Officer - Operations
HDB Financial Services Ltd.
05.2016 - 09.2017
- Managed NACH processing and customer documentation to ensure timely transactions and maintain customer satisfaction
- Built process-friendly team and streamlined operations to enhance workflow efficiency
- Coordinated insurance issuance and compiled MIS reports to support informed decision-making
- Ensured compliance and vendor coordination
- Managed vault operations and EMI follow-ups
- Supported credit memo creation and team training
- Disbursed Business Loan and LAP files
- Worked in finance sector
Assistant Manager - Branch Operations
India Infoline Finance Ltd.
02.2013 - 05.2016
- Managed day-to-day branch operations and vault activities
- Oversaw gold loan processing and cash collections
- Maintained MIS to support informed decision-making and trained branch staff on operational protocols
- Cross-sold financial products, enhancing customer engagement and revenue opportunities
- Ensured audit compliance and adherence to processes, safeguarding branch integrity and operational standards
- Industry: Finance
Officer - Banking
ICICI Bank
06.2010 - 02.2012
- Generated leads and sold banking products (FD, RD, Savings Accounts), contributing to branch revenue growth
- Promoted asset products (Car Loans, Home Loans, Credit Cards), enhancing client engagement and satisfaction
- Conducted client visits and product presentations to educate clients on banking solutions
- Worked in banking industry
- Built a process-friendly team and contributed to branch sales growth
Education
PGDCA -
Barkatullah University
01-2003
B.Sc. -
APS University
01-2001
Skills
- Banking Operations
- Loan Management
- Financial Analysis
- Process Optimization
- Project Coordination
- Email Campaign Management
- Excel
- Word
- PowerPoint
- Outlook
- OneDrive
Languages
- Hindi
- Marathi
- English
- Hindi
- Marathi
Personal Information
- Date of Birth: 07/05/79
- Marital Status: Married
Statement Of Purpose
To achieve a position in my professional life where I can continuously acquire knowledge and contribute meaningfully to the growth and success of my organization and the financial services industry.
Technical Skills
Excel, Word, PowerPoint, OneDrive, Outlook, Finacle, Mailer 2K, Smart Operating System, VSTL Loan Operating System, Finn One, Dexter
Timeline
Manager - Operations
Mangal Credit and Fincorp Limited
02.2024 - Current
Senior Manager - Operations
Tezzract Fintech Private Limited
12.2021 - 02.2024
Manager - Operations
Fortune Credit Capital Ltd.
05.2021 - 11.2021
Assistant Manager - Operations
Digikredit Finance Pvt Ltd (SME Corner)
10.2017 - 05.2021
Officer - Operations
HDB Financial Services Ltd.
05.2016 - 09.2017
Assistant Manager - Branch Operations
India Infoline Finance Ltd.
02.2013 - 05.2016
Officer - Banking
ICICI Bank
06.2010 - 02.2012
PGDCA -
Barkatullah University
B.Sc. -
APS University