Traveling & Hiking
T PREMKUMAR
Bengaluru,KA
Summary
Adept at gathering, organizing and analyzing data to produce accurate reports, charts and updates. Versatile in handling different group needs with an accuracy-driven and efficient approach. Sound judgment with a forward-thinking mindset.
Overview
5
5
years of professional experience
3
3
years of post-secondary education
4
4
Languages
Work History
Customer Service Officer
Aegis Pvt Ltd.
Bangalore, Karnataka
09.2016 - 11.2016
- Support to customer queries
- To receive calls from customers and resolve technical problems (like STB issues, signal issues, and smart card issues)
- Unresolved complaints are forwarded to the team leader and assistant manager
- Respect customers and resolve customer problems.
Associate
KOTAK MAHINDRA BANK LTD
Bangalore, Karnataka
07.2021 - 09.2022
- Construction Equipment, Commercial vehicles, Light commercial vehicles, corporate cards, Tractor finance, and Personal loan files Verification and process for disbursement
- Sanction latter Credit conditions, Rate Approvals, Existing customer collateral & Loan amount
- Advance payment & advance payment Tracker (files conversions within TAT)
- Cersei Creation for non-registerable assets
- Maintaining original Invoice MIS and dispatching to DVU with the TAT
- Dispatching documents within the TAT
- KYC Verification of Individual cases (Aadhar, PAN, DL, Passport, Bank statement, Utility bills Property Documents &, etc.)
- KYC Verification of Non Individual cases (GST, PAN, Partnership Deed, VAT Registration certificate, ITR, TRUST deed, HUF deed, MOA, AOA, Board Resolution, etc.)
- CPC queries, Internal audit, and external audit query clearing
- Training conducted month on month for Sales and LPU team to get ensure 100% accuracy in files processing
- DMA agreement, Dealer mandates Valuator Documents, and referral agent payment process
- Repayment Creating (NACH
- E NACH, Full PDC & SI)
- Files Dispatching and Maintain MIS
- Files Dispatching and Maintain MIS
- Repayment Swapping as per customer request, recovery team & credit approval.
Senior Associate
Kotak Mahindra Bank Ltd
Bangalore, Karnataka
04.2019 - 06.2020
- On roll As a (, The loan processing unit (Tractor loan department)
- We get files from all RM’s south Karnataka & we initiate RCU, For RCU verification completion we Log the case to credit & after credit approval log the case into Ops disbarment
- KYC verification, Credit documents verification Land details& Income proof documents
- Refinance case verifying the RC Copy, Asset impression, and insurance comparing between internal Re-sale values & valuations reports and have logged the case to credit
- Ops Documents post-Approval
- Credit condition’s completion
- Agreement Books signatures verifications
- As per credit condition, we have to make repayment Mode Full PDC, Non-PDC & NACH
- Invoice, Insurance (IDV, HP, Exp date) & MMR down payment invoice value, and MRP value are checked after the process to Advance payment
- Refinance case verifying the RC Copy, Insurance (IDV, HP, Exp date), RSV, and valuations reports and have to make RFD sales to credit
- RFD sales to Credit RFD completion
- We have verified all documents as per credit conditions the documents and we make the final disbarment
- RA operations
junior associate
T And M Services Consulting Private Limited
Bangalore, Karnataka
01.2017 - 03.2019
Assistant Manager
Axis Bank Ltd- Loan Centre
Bangalore, Karnataka
09.2022 - Current
- Products Personal loans, Auto loans, Loan against security, Used car loans, and Education Loans
- Sanction letter Credit conditions, Rate Approvals, category of customer profile, and Customer eligibility as per credit norm Existing customer collateral & Loan amount
- KYC Verification of Individual cases (Aadhar, PAN, DL, Passport, Bank statement, Utility bills Property Documents &, etc.)
- Verifying Bank account statements and Pay slips of customers as per credit conditions
- Verifying the loan types Fresh loans, parallel loans, Internal Top up loans, and External balances transfers
- CPC queries, Internal audit, and external audit query clearing
- Repayment Swapping ECS NACH uploads as per customer service request
- Repayment Creating (NACH
- E NACH) as per Central team daily Basis
- Training conducted month on month for the Sales and CPA team to get ensure 100% accuracy in files processing
- Maintaining used car PDD trackers and following up with the Sales team
- Creating Stamp duty charges and uploading for e Stamps e sign desk regularly same has been Maintaining trackers
- Used car loans Internal Top up loans Blocking NOC through SR
- Conducting Huddle meetings with the Sales team and Credit teams Day to day
- Recognized staff for contributions to company success to foster engagement and increase productivity.
Education
B.Com - CA
Kuppam Degree College
01.2013 - 01.2016
XII - undefined
MFC Govt high school
X - undefined
Vijaya vani junior college Kuppam
Skills
MS officeHtmlSQLVBGood communication skillsGood Logical ThinkingGood a team player
Performance improvement
Supporting sales staff
Product and service sales
Performance improvement
Interests
Learning new things
Timeline
Assistant Manager
Axis Bank Ltd- Loan Centre
09.2022 - Current
Associate
KOTAK MAHINDRA BANK LTD
07.2021 - 09.2022
Senior Associate
Kotak Mahindra Bank Ltd
04.2019 - 06.2020
junior associate
T And M Services Consulting Private Limited
01.2017 - 03.2019
Customer Service Officer
Aegis Pvt Ltd.
09.2016 - 11.2016
B.Com - CA
Kuppam Degree College
01.2013 - 01.2016
XII - undefined
MFC Govt high school
X - undefined
Vijaya vani junior college Kuppam