Onkar Swami
Pune
Summary
Dynamic Senior Unit Manager at Bajaj Finance Ltd with a proven track record in operational management and credit analysis. Enhanced lead conversion and streamlined processes, achieving significant reductions in turnaround time. Adept at training development and fostering client relationships, driving performance improvements through data-driven insights and effective communication.
Overview
10
10
years of professional experience
Work History
Senior Unit Manager
Bajaj Finance Ltd
09.2022 - Current
- Managed end-to-end operational workflows, enhancing lead conversion, QA, documentation, and disbursal efficiency.
- Leveraged client insights to streamline processes, reducing turnaround time significantly.
- Provided actionable feedback to senior leadership on sales team performance through structured analytics.
- Facilitated loan restructure strategies to optimize EMI schedules for financially stressed clients while balancing support and risk mitigation.
- Resolved application-to-disbursal challenges by liaising with the credit manager to enhance turnaround time.
- Conducted comprehensive root cause analyses to identify and address core operational challenges.
- Oversaw call center quality control, aligning regional operations with centralized standards for improved service delivery.
- Developed a customized training framework for the Call Centre Manager focused on compliance and performance management.
Unit Manager
Bajaj Finance Ltd
09.2018 - 03.2022
- Conducted detailed credit appraisal and facilitated sectioning of personal loan files up to 7L.
- Performed credit analysis and sanctioned proposals according to established limits.
- Streamlined personal loan approval and disbursement processes, achieving TAT benchmarks in line with risk controls.
- Collaborated with senior management to analyze default cases, identifying operational gaps and recommending policy revisions.
- Oversaw borrower recovery efforts, coordinating with branch offices to analyze default cases and recommend policy changes.
- Actively participated in Head Office Credit Committee, contributing to Annual Operation Plan formulation and credit policy modifications.
- Provided input on credit documentation, including Credit Process Documents and Risk Policy Frameworks, enhancing credit governance.
- Demonstrated comprehensive knowledge of KYC norms, credit risk assessment, regulatory compliance, and recovery processes.
Credit Process Analyst
Tab Capital LTD
09.2017 - 09.2018
- Managed online portal to oversee lead generation and enhance digital sales performance.
- Conducted thorough credit analysis, sanctioning loan proposals within authority limits.
- Performed pre- and post-disbursement validation to ensure credit compliance.
- Published weekly compliance MIS and dashboards, delivering insights for regulatory adherence.
- Executed comprehensive credit appraisals and sanctioned various loan types for clients.
- Engaged in detailed personal discussions with borrowers to evaluate creditworthiness.
Credit Processing Associate
ICICI Bank Ltd
11.2015 - 09.2017
- Analyzed CIBIL reports and financial statements to prepare detailed credit appraisal memos.
- Executed operational tasks to facilitate seamless loan processing and credit valuation.
- Utilized the Finn One platform to retrieve and interpret obligation details for accurate credit assessments.
- Assessed loan eligibility through comprehensive financial analysis, applying multiple criteria.
- Managed the full disbursement process for the Auto Loan System, ensuring compliance with internal policies.
Education
Batchelor Of Commerce -
KBP College Pandharpur
PandharpurSkills
- Operational management
- Credit analysis
- Policy writing
- Risk assessment
- Training development
- Process improvement
- Client relationship management
- Compliance monitoring
- Quality assurance
- Data analysis
- Effective communication
- Leadership skills
- Cross-functional team management
- Sales management
- Staff training and development
- Documentation review
- Policy development
Accomplishments
- Kudos Award :- Sept.2020 (Good team management and ensure 0 Pendency of Centralized credit cases)
- Heroes Award :- April 2022 (For exception performance in Q4)
- Heroes Award :- April 2024 (For exception performance in Q3)
Timeline
Senior Unit Manager
Bajaj Finance Ltd
09.2022 - Current
Unit Manager
Bajaj Finance Ltd
09.2018 - 03.2022
Credit Process Analyst
Tab Capital LTD
09.2017 - 09.2018
Credit Processing Associate
ICICI Bank Ltd
11.2015 - 09.2017
Batchelor Of Commerce -
KBP College Pandharpur