PARIDHI JAIN
Lending Operation Expert & Project Manager
Bengaluru
Summary
Lending Operations Specialist with 10+ years of banking and financial services experience, skilled in managing diverse lending portfolios (Agency, Non-Agency, Bilateral) and ensuring compliance with credit policies and regulatory standards. Proven ability to streamline processes, lead teams, and drive digital transformation initiatives while delivering accurate, efficient, and customer-focused solutions.
Overview
9
9
years of professional experience
Work History
Associate (Automation Project Manager)
Deutsche Bank
12.2023 - Current
- Led strategic and tactical initiatives within the Commercial Lending department, improving operational efficiency and elevating customer service standards.
- Managed full project lifecycles for key software development and automation projects, delivering on-time and within budget, achieving a 20% boost in project efficiency.
- Successfully migrated Loan IQ database and upgraded to the latest version, working on Versana project for US Syndicate loans migration.
- Spearheaded loan notice automation initiative by implementing workflow-based solutions integrated with LS2, streamlining processes and enhancing efficiency.
- Led the deployment of workflow automation across Lending operations, leveraging AI-driven enhancements for intelligent classification and auto-routing.
- Co-Led the Arteria project to automate credit documentation processes, enhancing efficiency and accuracy.
- Developed and implemented automated solutions using Macros, Power Automate, Power Apps, UWQ, DCMS, and salesforce.
- Key role in Enterprise Architect of the bank CB IB wide along with stakeholders.
- Organized and moderated monthly conferences, Bank on tech events and inter departmental business showcases.
Senior Collateral valuator
Wells Fargo
03.2023 - 12.2023
- Managing commercial lending portfolio for syndicated and agented deals.
- Collateral Management and Collateral Valuation in Loan IQ Application.
- Borrowing base certificate, Advances, Paydowns, Zero Settlements and Pricing
- Manage a book of clients in the margining function, including exposure review, collateral valuation, margin calculations, position adjustments
- Ensuring the accuracy of processes, as well as providing a high level of service for clients
- Analyze and organize and cooperate with managers in assuring the internal and external policies and regulations
- Perform monthly and daily collateral management of OTC Derivatives in accordance with the Credit Support and policies
- Booking collateral and understanding of the cost associated with optimization of any outflow, based on the eligibility criteria
- Managing commercial lending portfolio for syndicated and bilateral deals for 5 FTE's.
- Deal Setup, funding, repayment schedule setup in Loan IQ application.
- Understanding of Borrowing's, Drawdown/ Funding's, Deal/facility building, Loans and Payments, Amendments, Deal restructuring & reducing credit exposure.
- Performs key administrative duties in funding process: Onboard new Obligor's through appropriate KYC channels and CRM approvals.
- Daily/Weekly calls with Clients to maintain smooth functioning of workflow.
- Created functional documents and trained many associates on operational excellence.
- Updating Static & Dynamic data as per instructions from Credit Officers.
- Setting up of deals under multiple product types and MDRs to facilitate multiple drawing rights.
- Reviewing the population among 2 databases and identifying potential entities to maintain data consistency.
- Preparing daily weekly, monthly reports and sharing them with clients.
- Participating in KPI and KRI calls.
Business Process Lead
Tata Consultancy Services
10.2021 - 02.2023
- Managing the Lending Operations Team in daily Operations aspects
- Part of Lending Operations team, ensuring smooth execution of daily operational activities.
- Support Relationship Managers in facilitating Corporate & Commercial customers with loan and overdraft facilities (Base Rate & LIBOR).
- Acquired hands-on experience across diverse lending portfolios including Agency, Non-Agency, and Bilateral deals, with comprehensive end-to-end expertise in lending products and processes.
- Review and verify documentation for lending products including Loan, overdrafts and guarantees, ensuring compliance with credit approvals, policies, and regulations.
- Process loan/overdraft requests (new, amendments, cancellations) post verification of approvals and facility documentation.
- Led migration of lending operations from UK to India and spearheaded digitalization initiatives to replace manual processes.
- Prepare legal and procedural documentation, dashboards, and performance reports; collaborate with analytics to enhance KPIs and operational metrics.
- Communicate regularly with leadership on account status, escalations, and improvement areas, driving operational efficiency and compliance
Analyst & Senior Process Executive
The Royal Bank of Scotland Business Services
09.2017 - 10.2021
- Analyst (18 September 2017 to 31th March 2020) Senior Analyst (1st April 2020 till date) of work experience in Commercial Lending Operations which includes Limits, Documentation and Reconciliation.
- Managing the Lending Operations Team in daily Operations aspects
- Part of Lending Operations team, ensuring smooth execution of daily operational activities.
- Support Relationship Managers in facilitating Corporate & Commercial customers with loan and overdraft facilities (Base Rate & LIBOR).
- Acquired hands-on experience across diverse lending portfolios including Agency, Non-Agency, and Bilateral deals, with comprehensive end-to-end expertise in lending products and processes.
- Review and verify documentation for lending products including Loan, overdrafts and guarantees, ensuring compliance with credit approvals, policies, and regulations.
- Process loan/overdraft requests (new, amendments, cancellations) post verification of approvals and facility documentation.
- Led migration of lending operations from UK to India and spearheaded digitalization initiatives to replace manual processes.
- Prepare legal and procedural documentation, dashboards, and performance reports; collaborate with analytics to enhance KPIs and operational metrics.
- Communicate regularly with leadership on account status, escalations, and improvement areas, driving operational efficiency and compliance
Education
B.COM - General
Guru Shree Shanthi Jain College
Chennai, India01-2017
Higher Secondary - Accounting And Finance
Doveton Matriculation Higher Secondary School
Chennai, India01-2014
SSLC -
Doveton Matriculation Higher Secondary School
Chennai, India01-2011
Skills
Score/BackOffice (Transaction system)
Prism/RMP (Credit Application)
Loan IQ (Booking System)
Enterprise Architecture Model (Digital Process repository)
Tableau (Reports)
CRM/Salesforce/ICQM/EMS (Workflow Tools)
Macros (Checklist)
Accomplishments
- Consistently recognized as Best Processor (25+ months) and Star of the Month (30 months).
- Successfully managed 16 lending portfolios independently for six months, ensuring operational accuracy and compliance.
- Served as Subject Matter Expert (SME) in Security Handling and Facility Documentation.
- Trained and cross-trained new joiners and team members, strengthening multi-domain expertise across operations.
- Led process migration from UK to India and drove digitalization initiatives to replace manual workflows.
- Proficient in mortgage loan documentation, title processes, and end-to-end lending operations.
- Strong communicator with proven ability to present in group/classroom settings and large audiences.
- Delivered AI-driven projects including reporting automation, transaction booking systems, workflow optimization, and digital process repositories.
- Developed macros and digital solutions that streamlined operations, reduced manual effort, and improved efficiency
Timeline
Associate (Automation Project Manager)
Deutsche Bank
12.2023 - Current
Senior Collateral valuator
Wells Fargo
03.2023 - 12.2023
Business Process Lead
Tata Consultancy Services
10.2021 - 02.2023
Analyst & Senior Process Executive
The Royal Bank of Scotland Business Services
09.2017 - 10.2021
B.COM - General
Guru Shree Shanthi Jain College
Higher Secondary - Accounting And Finance
Doveton Matriculation Higher Secondary School
SSLC -
Doveton Matriculation Higher Secondary School
Disclaimer
I hereby declare that the above said information is true and correct to My knowledge Date: Place: Bengaluru
PERSONAL ATTRIBUTES
- Decisive, organized, and quick in making sound judgments.
- Strong leadership and people management with excellent interpersonal skills.
- Creative, resourceful, and adaptable to dynamic workloads and schedules.
- Proven ability to deliver under pressure while maintaining accuracy and efficiency