NEELAMBAR SARKAR
Asset Operation
Howrah,WB
Summary
Experienced banking professional with three years in retail asset operations. Specializes in managing loan servicing functions for secured and unsecured business loans, and consumer loans. Proficient in final loan closings, distributing paid loans, and providing payoff demand statements. Skilled in guiding lenders and staff on documentation, commercial loan booking, and underwriting, while ensuring compliance with state, federal, and banking regulations. An analytical mindset is applied to loan data, documentation, and calculations, following GAAP standards to identify risks and recommend corrective policies for enhanced performance.
Overview
3
3
years of professional experience
Work History
Operations Asset Manager, Client Services
Kotak Mahindra Bank
Kolkata
12.2023 - Current
- Handling operational activities of retail loans and ensuring 100% compliance as per regulatory requirements.
- Disbursement process of mortgage loans, secured and unsecured products.
- Implemented a digital documentation workflow, transitioning 60% of paper-based processes to an online platform for improved accuracy and audit readiness.
- Coordinated with legal and risk teams to prepare and validate loan agreements, charge creation, and collateral paperwork; secured branch manager and credit committee approvals.
- Managed end-to-end disbursement via NEFT, RTGS, and cheque clearing.
- Updated loan records in the Loan Origination System (LOS), and generated weekly KPI dashboards on turnaround time, approval rates, and portfolio quality for senior management review.
- Monitored repayment performance through the Core Banking System, flagged early-warning indicators, and initiated corrective action to maintain NPAs below 2%.
Operations Asset Manager, Client Services
I Process Service India Pvt Ltd (ICICI Group Company)
Kolkata
08.2022 - 11.2023
- Reviewed and verified borrower documentation, including income, credit reports, property appraisals, and title records.
- Processed personal loan applications with minimal collateral requirements, ensuring a fast turnaround.
- Verified KYC documents, and performed risk analysis to mitigate default risk.
- Collaborated with credit analysts and customer service teams to resolve discrepancies and improve client experience
- Adhered to internal lending policies and RBI guidelines for unsecured lending.
Education
Bachelor of Computer Application -
Brainware University
01.2022
Higher Secondary -
WBCHSE
01.2019
Higher Secondary -
WBBSE
01.2017
Skills
- Retail banking, asset management
- Banking operations management
- Process Optimization & Loan Management
- Cross-functional collaboration
- Digital Transformation Initiatives
- Regulatory compliance and risk mitigation
- Data analysis
- Time management
- Risk analysis
- Roc and Cersai filing for asset
<Enter your own>
Timeline
Operations Asset Manager, Client Services
Kotak Mahindra Bank
12.2023 - Current
Operations Asset Manager, Client Services
I Process Service India Pvt Ltd (ICICI Group Company)
08.2022 - 11.2023
Bachelor of Computer Application -
Brainware University
Higher Secondary -
WBCHSE
Higher Secondary -
WBBSE
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