Seasoned banking operations professional with over 17 years of progressive experience managing and optimizing end-to-end banking operations in retail, corporate, and digital banking environments. Demonstrated expertise in transaction processing, clearing & settlements, regulatory compliance (AML, KYC, FATCA), reconciliation, risk control, and back-office support. Proven track record in leading cross-functional teams, implementing automation solutions, and driving process efficiency while ensuring strict compliance with internal controls and external regulations. Highly skilled in managing high-volume, deadline-driven operational environments, improving operational accuracy, reducing TAT, and enhancing customer experience through streamlined processes. Adept in core banking systems (e.g., Finacle, Flexcube, T24), SWIFT, and payment platforms. Recognized for strategic thinking, team leadership, and commitment to operational excellence.
Hi, I’m
MOHIT NAQVI
Jaipur
Summary
Overview
18
years of professional experience
Work History
Ujjivan Small Finance Bank Ltd
Circle Head- Deputy Vice President
12.2024 - Current
Job overview
- Lead a team of Relationship Managers handling the end-to-end lifecycle of Mortgage Loans, Working Capital Loans, including sourcing coordination, documentation, verification, approval, and disbursement.
- Supervised loan file scrutiny, ensuring completeness, accuracy, and compliance with RBI regulations, internal credit policies, and KYC/AML guidelines.
- Acted as the key point of contact between branch teams, credit officers, and central processing units to ensure timely turnaround of loan files.
- Ensured accurate data entry and validation in the Loan Management System (LMS) and Core Banking System (CBS) for disbursement readiness.
- Monitored team performance on processing TAT, error rates, audit compliance, and service quality; implemented corrective actions where needed.
- Managed high-volume loan processing during peak periods with strict adherence to SLA and customer service standards.
- Key Achievements:
- Successfully led the loan operations team to reduce average disbursement turnaround time by 35%, improving customer satisfaction and operational efficiency.
- Achieved 100% compliance in internal audits for two consecutive years through strict process controls and continuous monitoring.
- Played a key role in piloting and implementing a digital loan documentation system across regional branches, reducing manual errors and improving TAT.
- Recognized by senior management for maintaining high operational accuracy and contributing to portfolio growth with minimal delinquencies.
L&T Finance Ltd. (INDIA)
Regional Manager
11.2023 - 07.2024
Job overview
- Working as a Regional Manager- Mortgage Loans & Working Capital Loans.
- Managing Rajasthan State with 7 Sales Managers.
- Risk Management.
- End-to-End service to the Clients.
- Manage a team for Sourcing, Sanction and Disbursement.
- Collection of Overdues.
ICICI Bank Limited (INDIA)
Regional Manager
09.2013 - 11.2023
Job overview
- Worked as a Regional Manager- Mortgage Loans & Working Capital Loans.
- Responsible for Commodity control management.
- Risk Management , Warehouse Audits and Collection of Overdues.
- End-to-End service to the Clients.
- Manage a team of 12 Deputy Managers for Acquisition, Sanction and Disbursement.
- Create credit-scoring models to predict risks.
- Approve or reject loan requests, based on credibility and potential revenues and losses.
- Calculate and set interest rates.
- Negotiate loan terms with clients.
- Maintain records of loan applications.
Ranbaxy Laboratories Limited (INDIA)
Business Executive
12.2012 - 08.2013
Job overview
Bilkis Chemicals and Pharmaceuticals (INDIA)
Sales Manager
11.2009 - 10.2012
Job overview
Genpact India
Process Associate
03.2008 - 11.2009
Job overview
Education
JECRC UniversityJaipur, India
MBA from Financial Services
01.2022
University Overview
Rajiv Gandhi University of Health SciencesBangalore, India
Bachelor of Pharmacy
01.2007
University Overview
Skills
- Risk Management
- Leadership
- Team player
- Asset Management
- Market research
- Strategic planning
- Event management
- Banking operations
- Business development
- Product promotion and planning
- Credit Management
- Sales Management
- Mortgage loan processing
- Working capital management
- KYC compliance
Data validation
References
References
References: Available upon requestNOTEWORTHY CREDITS
NOTEWORTHY CREDITS
Bagged Eagle Eye award twice for detecting various fraud and saving bank’s money at ICICI Bank Ltd, Received certificate for excellence in product knowledge - Ranbaxy Labs Ltd, Ranbaxy Labs Ltd: Winner in detailing contest, Received an award for exceeding YTD targets by 215% in the year 2010 at Bilkis Chemicals & Pharmaceuticals, Rewarded with the Bronze award for exemplary performance at Genpact, Lean trained and tested by GenpactAVAILABILITY
AVAILABILITY
- No bond obligation with the current employer
- Notice period of 3 months negotiable.
Availability
See my work availability
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Timeline
Circle Head- Deputy Vice President
Ujjivan Small Finance Bank Ltd
12.2024 - Current
Regional Manager
L&T Finance Ltd. (INDIA)
11.2023 - 07.2024
Regional Manager
ICICI Bank Limited (INDIA)
09.2013 - 11.2023
Business Executive
Ranbaxy Laboratories Limited (INDIA)
12.2012 - 08.2013
Sales Manager
Bilkis Chemicals and Pharmaceuticals (INDIA)
11.2009 - 10.2012
Process Associate
Genpact India
03.2008 - 11.2009
Rajiv Gandhi University of Health Sciences
Bachelor of Pharmacy
JECRC University
MBA from Financial Services