Mani S
Chamrajnagar
Summary
Driven Assistant Manager with 2+ years in Home Loan Branch Operations at Chamarajanagara. Expertise in end-to-end loan processing, NHB/RBI compliance, KYC, PDD, NDC, legal & technical clearance, CERSAI/CKYC, and loan disbursement. Customer retention by counseling borrowers on ROI reduction eligibility, top-up options, and prepayment benefits, contributing to 15% increase in repeat business and 20% reduction in BT-out cases. Proven ability to maintain TAT, reduce pendency, and coordinate with Sales, Credit, Legal, RCU, and Collections. Hands-on with LMS, and Hotfoot platforms.
Overview
8
8
years of professional experience
Work History
Assignment Manager Branch Operations
Muthoot Housing Finance Company Limited
Chamarajanagara
07.2023 - Current
- Manage branch maintenance and asset upkeep including IT equipment, furniture, security systems, and stationery; ensure 100% uptime for critical assets.
- Drive customer retention by counseling borrowers on ROI reduction eligibility, top-up options, and prepayment benefits, contributing to 15% increase in repeat business and 20% reduction in BT-out cases
- Lead branch operations for home loans; ensure 30+ files/month processed from login to disbursement with 98% TAT adherence.
- Scrutinize KYC, income, and property documents; coordinate legal & technical clearances as per NHB norms
- Manage sanction condition fulfillment, PD coordination, and deviation approvals with Credit team
- Achieved 100% PDD clearance by ensuring timely collection of MODT, NOC, insurance, and property documents
- Process ROI reduction requests as per policy; coordinate with Credit for approval and communicate revised EMI to customers within TAT.
- Execute disbursements for BT/Takeover/Top-up cases; ensure direct lender payouts for loan closures
- Oversee CERSAI filing, MODT execution, and CKYC upload within regulatory timelines
- Handle customer queries on EMI, ROI, part-payment, and foreclosure; reduced escalations.
- Prepare and submit daily MIS on login, sanction, disbursement, and pendency to HO
- Maintain audit-ready physical & digital dockets; successfully cleared branch audit with zero observations[2+ Years]
Operations Assistant Cum Cashier ( OAC )
Jana Small Finance Bank
Chamarajanagara
08.2022 - 11.2022
- Coordinated daily operations and enhanced workflow efficiency within banking processes.
- Managed customer inquiries and provided accurate information regarding financial services.
- Assisted in preparing reports and documentation for compliance and audits.
- Updated and maintained banking databases and client records for accuracy.
- Implemented procedural changes to optimize task management and reduce errors.
- Organized meetings and prepared agendas to enhance team collaboration efforts.
- Utilized software programs such as Excel, Word, Access, for data entry, analysis and reporting purposes.
- Participated in team meetings to provide feedback on operational issues and solutions.
- Resolved customer inquiries promptly while maintaining a high level of customer satisfaction.
- Provided administrative support to the Operations Manager by preparing reports, documents and presentations.
- Supervised day-to-day facility operations in accordance with set policies and guidelines.
- Organized and maintained records of daily transactions and other operational data.
Officer - Member Relationship
ESAF Small Finance Bank ( LLMS )
Kollegala
07.2018 - 02.2021
- Analyzed company's expenditures and developed financial models.
Education
GOVT PU COLLEGE FOR BOYS
Chamarajanagara , Indian Bachelor of Science - PCM
JSS College
Nanjangud 04.2001 -
Skills
Customer Service & Retention: Query Resolution, ROI Reduction Counseling, Borrower Relationship Management, Escalation Handling, Retention Campaigns
Branch & Asset Management:
Branch Maintenance, Asset Upkeep, Vendor Coordination, Stationery & IT Inventory, Audit Readiness, Infrastructure Compliance
Loan Operations : Login to Disbursement, FCL, Balance Transfer, Top-up, Prepayment, Foreclosure
Compliance : NHB Guidelines, RBI Master Directions, KYC/AML, CERSAI, CKYC, MODT
Documentation : Original Property Document Verification, Sanction Letter, Loan Agreement, NOC, SOA, Closure Letter, Legal & Technical Reports
Systems : FinnOne ( CAS and LMS ), Advanced Excel & MIS
Branch Management : Team Supervision, Audit Readiness, Customer Escalation Handling, TAT Monitoring
Languages
Kannada
First Language
English
Elementary (A2)
A2
Hindi
Beginner (A1)
A1
Tamil
Beginner (A1)
A1
Achievement
- Maintained 100% PDD clearance and 100% branch asset uptime for Chamarajanagara branch in FY 2024-25 and 2025-26
- Customer retention by 15% and reduced BT-out by 20% through ROI reduction counseling
- Cleared NHB branch audit with zero observations on documentation, PDD, and asset management.
Hobbies
- Playing Cricket
- Listening songs
Timeline
Assignment Manager Branch Operations
Muthoot Housing Finance Company Limited
07.2023 - Current
Operations Assistant Cum Cashier ( OAC )
Jana Small Finance Bank
08.2022 - 11.2022
Officer - Member Relationship
ESAF Small Finance Bank ( LLMS )
07.2018 - 02.2021
Bachelor of Science - PCM
JSS College
04.2001 -
GOVT PU COLLEGE FOR BOYS