Focused on optimizing opportunities and achieving organizational objectives through motivation and effective work strategies
Hi, I’m
NAVEEN KUMAR M
Bangalore
Summary
Overview
21
years of professional experience
Work History
TRUHOME FINANCE LTDBangalore, Karnataka
AVP – Area Operation – Karnataka & Kerala
02.2024 - Current
Job overview
- Handling 28 Branches across state end to end pre & post disbursement activity with team strength of 18 member.
- Collaboratively working with all the department in appraising of loan, risk, technical, Legal, Banking, policy, compliance, audit, service, vendor management
- Involved with central team in any further enhancement of policy, process, system up gradation.
- Effectively holding the responsible of operational risk across the process.
- Interacting with management and guiding team members to establish standard procedures and policy consistency in the workplace.
- Strong in follow ups, data analysis & collateral processing.
- Involved in system development in digitalization process.
- Tracking on Cheque handover end to end process
- OTC / PDD Tracking
- Branch performance, Score card, branch visits etc…
- Formerly known as SHRIRAM HOUSING FINANCE LTD.
VISTAAR FINANCIAL SERVICES PVT LTD.
Sr Manager - Team lead Central Operation (HL/LAP/SME)
02.2022 - 01.2024
Job overview
- Handling – 7 Hubs across pan India & Centralize operation
- Disbursement, Banking, Insurance tracking, Cash recon, RMU, NOC, Customer service, Handling entire activity with team 17 Hub supportive team and 15 central team
- Preparation of SOP, key member of RCA
- Involved in system development like LOS & LMS
- End to End Post disbursement activity for Pan India
Poonawalla Housing Finance LTD (Formerly known as Magma housing finance ltd)
Manager – Centralized Mortgage Credit Risk Operation
02.2014 - 02.2022
Job overview
- Handling end to end Mortgage operation - Disbursement, Customer services, Auditing for Legal document & Credit file, Compliance, Collateral Portfolio Management, process & policy implementation, system development, testing, Training for new joiner’s, Vendor management.
- Assignments & Achievements
- System development
- Document Tracking Module.
- Standardizing of Document entry Module.
- Retrieval module
- Process implementation for Centralization of activity
- Collateral archival.
- Customer service.
- OTC clearance & cheque releasing confirmation.
- Interaction with treasury team for Due Diligence activity for NPA portfolio
- Achievements:
- Appreciation from CFO on data management
- Outstanding performance Appreciation certificate from Management for the fy 2017-2018, 19-20.
INDIABULLS HOUSING FINANCE LTD
Assistant Branch Operation Manager
11.2012 - 01.2014
Job overview
- Handling disbursement process for branch.
- Remote disbursement for rest of Bangalore.
- Co-ordination with different department for required reports: Technical, Legal, Risk control.
- Initiating for DD printing, RTGS.
- Banking activity.
- Handling PDD documents.
- Handling branch customer services
- Maintaining of other internal reports on daily activity like: Cash, Cheque, Login etc.
- Preparing of MIS and publishing for management for south region.
INDUSIND BANK
Assistant Manager – General Banking Operation
12.2009 - 11.2011
Job overview
- Focusing on cash management, (i.e daily inflow and outflow of cash activity) Clearing.
- Maintains of cash as per the branch retention limit(CBR).
- Checking/Monitoring of EOD reports (EOD of cash, Transfer, Instruments issued, RTGS/NEFT ATM) Branch closing.
- Monitoring of Branch ATM.
- Reconciling branch dummy accounts- Interest payable, Office utility, Petty Cash, Sundry Cash/Cheque Deposit account, Daily suspense’s account. Branch ATM Reconciliation, Bullion account.
- Signatory Authorizer for DD/PO under group “B” level (Upto 25lac limit).
- Custodian of branch Locker system.
- Processing customer request like RTGS/NEFT,DD/PO, DCMS, Cheque Book request, Generation of Duplicate pin/card/Net banking pin.
- Co-coordinating with Different Department for various process on requirement of customer like (Overdraft, Bank guarantee, Letter of Credit etc.,).
- Attending AML alerts queries within branch limit.
- Attending with audit, Compliance which is under RBI guidelines & maintain branch sustainability in the view of Audit.
- Fulfilling the KYC norms before opening of any CASA accounts.
- Full filling the AOF (Account opening formalities) for sourcing team as per norms.
- Co-ordination with management for preparation monthly/annually budgeting MIS Circulation within the team.
- Responsible for updating daily reports to the manager.
- Increased business through networking and building new client relationships
- Assisted managers in identifying sales opportunities for the branch.
- Maximized customer satisfaction with quality service
- Ensured merchandized stock orders as per the norms of the bank.
- Customer Service
- Interacting with walk-in customer for any queries.
- Building up customer relationship.
- Promoting all the direct banking channels and ensuring that the customer is utilizing the same.
- Sales
- Generate leads for third party products to the customer – Insurance, Mutual funds, and other investments.
- Also generating leads for Savings, Current, Fixed deposit accounts, & other loan products.
CENTILLION SOLUTION SERVICES
Junior Manager – Retail Asset Finance Division regional services center for PAN India
05.2005 - 05.2009
Job overview
- Project Handled –
- Centurion bank of Punjab or HDFC - Customer services/ Termination process (Loan closure Activity)
- Fullerton India credit Co., Pvt Ltd an NBFC group - Cash Reconciliation
- Job Responsibilities (under Customer services) :
- Worked for the Centralized Retail Assets Operation’s as Junior Manager for Online closure activity like Customer Loan closure, Deal Cancellation, Rebooking of Two Wheeler, Top up Personal Loans, Open Market personal loans, Commercial vehicles, Commercial Equipments, Car & Three wheeler for entire branches across PAN India (49 branches).
- Heading a team of 40 associates, in strengthen the processes.
- Maintaining the standards as per the product policy, review of portfolios and ensuring the quality and Documentation and uniformity in the process.
- Worked for Recovery Department in reducing the collection against delinquency for all products and providing loan closure statement for legal customers with in the pre set deadlines and completed the specific targets every month/year end.
- Excellent skills displayed in handling customer’s queries and providing timely support to the customers as well as to branches by co-coordinating with internal department.
- Working with Senior Management and providing clear guideline to team member on process activity and Uniformity in Work.
- Demonstrating skills in banking software like Equation, Finnone, Cash management system, & Finnacle within the team.
- Ensuring Positive Audit Ratings & training of all employees on process activity and be a channel for Operations Staff to find resolution to Compliance.
- Reconcile of Internal accounts Bank accounts (generating required GL reports in the software with help of IT Consultant).
- Reconciling bank accounts with debtors account to nullify the bank control account.
- Preparing of MIS for the open entries and ageing the reports to resolve the issue.
- Preparation and maintaining of Approval memorandums, CO Circulars, Daily & monthly MIS, Co-ordinating with corporate office for any rectification.
- Worked for other department like Reconciliation Disbursement, Rebooking, Liquidation, Pdc, & File management.
- Achievements:
- Deputed to Gurgoan New Delhi (gops) centralized operation for period of 1 month to steeping operation unit.
- Appointed as Quality Control Task Member in certification of ISO 9001 -2000.
- Key maker for implementing Termination Tracker application between cops and branches.
- Deputed to Mumbai chandivali for migration process of CBOP books into HDFC books.
- Job Responsibilities (Under Reconciliation) :
- Centralized Cash reconciliation done for Fullerton which consist of 824 branches in India.
- Cash reconciliation of Mobile device & cash receipt.
- Coordinating with Cluster heads, Branch business unit head & collection officer for collection of routine data.
- Maintaining of uniformity in collection data.
- Preparation of MIS for open GI lines and Bank statement.
- Built a “QC” Team and Telecal unit for quality process.
- Preparation of Call MIS, follow up details for branches.
- Working on process improvement by automating the process in phases.
- Achievements:
- Nominated as Project in-charge to setup the process of Cash Reconciliation for Fullerton (an NBFC) to Bangalore corporate office.
- Deputed to Chennai centralized unit of FICC as a process Analyses.
Education
NATIONAL INSTITUTE OF MANAGEMENTMAHARASHTRA
EMBA(FINANCE) from OPERATION MANAGEMENT
01.2008
University Overview
S E D COLLEGE OF ARTS SCIENCE & COMMERCEBANGALORE
BACHELOR OF COMMERCE
01.2005
University Overview
Skills
Diploma in software Management (DISM)- Aptech Computers
Operating system: Ms Office 2000
Language: Ms Access, NT, XP, Unix, Java 60, VB -60,
Desktop Management (DTP) – MediaTech Computers
Application – Photoshop, Flash, CorelDraw, Photo Editor
DECLARATION
DECLARATION
I hereby declare that the information furnished above is true to the best of my knowledge Date: Place: BANGALORE Naveen Kumar MSKILLS & ABILITIES
SKILLS & ABILITIES
- An perceptive professional with 19 years of enriching experience in areas of operations and financial sector in terms of Team Management, process implementing, vendor management, business development, financial advisory and client servicing.
- Skills in streamlining workflow, setting in process and systems thus creating a conductive work environment for the team to enhance productivity and profitability.
- An effective communicator with exceptional relationship management skills with ability to relate to people at any level of business and management
LEADERSHIP
LEADERSHIP
- Team Management
- Sensitizing every new joiner about the processes, products and instilling a sense of direction into each of them.
- Organizing focused training programs towards capability building.
- Monitoring the performance of team members to ensure efficiency in sales operations and meeting of individual & group targets.
- Strong in system analysis.
Timeline
AVP – Area Operation – Karnataka & Kerala
TRUHOME FINANCE LTD
02.2024 - Current
Sr Manager - Team lead Central Operation (HL/LAP/SME)
VISTAAR FINANCIAL SERVICES PVT LTD.
02.2022 - 01.2024
Manager – Centralized Mortgage Credit Risk Operation
Poonawalla Housing Finance LTD (Formerly known as Magma housing finance ltd)
02.2014 - 02.2022
Assistant Branch Operation Manager
INDIABULLS HOUSING FINANCE LTD
11.2012 - 01.2014
Assistant Manager – General Banking Operation
INDUSIND BANK
12.2009 - 11.2011
Junior Manager – Retail Asset Finance Division regional services center for PAN India
CENTILLION SOLUTION SERVICES
05.2005 - 05.2009
NATIONAL INSTITUTE OF MANAGEMENT
EMBA(FINANCE) from OPERATION MANAGEMENT
S E D COLLEGE OF ARTS SCIENCE & COMMERCE
BACHELOR OF COMMERCE