PREM KUMAR T
Bangalore
Summary
Dedicated and organized operations manager with several years of experience using proven planning and support initiatives to cut costs, streamline operations and increase productivity. Decisive and resourceful team builder versed in sales, management and process improvement. Possesses in-depth industry trend knowledge and shifts to offer valuable insights on opportunities for new growth and business expansion.
Overview
8
8
years of professional experience
Work History
Deputy Manager of Operations
Bandhan Bank Ltd
Koramangala-Bangalore
08.2024 - Current
- Products: Home loan and Lap Loans.
- Checking the loan application details in the system with all KYC and necessary documents.
- Checking Operations and Credit approvals are as per policy.
- Checking credit (PDOC) conditions before disbursement.
- Disbursement payments releasing to customers, builders, and BT bank.
- Part disbursements checking as per progress, and releasing the payments to builders and customers.
- Final disbursements, checking and releasing the payments to builders and customers.
- At the time of disbursement, checking legal report, vetting report, and technical report's checking.
- Freezing the undisbursement amount in the system.
- EM creation and registered mortgage creations.
- Arranging the lawyer for registrations.
- Home loan and LAP original documents verifying and updating in system.
- Property documents are sent to storage after verifying the documents.
- BT, internal BT, and Resale cases' property documents follow up on a daily basis.
- BT Bank's FC letters, List of documents (LOD), BT
- Confirmation letters verifying before disbursement.
- Regular follow-ups for PDD (BT & Resale documents).
- Releasing NOC on a daily basis and handing it over to the Customer Support Department. with acknowledgement.
- Maintaining and updating operation MIS (Disbursed MIS, Cheques, DD, and PDD MIS).
Assistant Manager of Operations
Axis Bank Ltd- Loan Centre
Bangalore
09.2022 - 08.2024
- Products: Personal loans, Auto loans, Loan against security, Used car loans, Home loan, Lap Loan, and Education Loans.
- Sanction letter: Credit conditions, rate approvals, category of customer profile, and customer eligibility as per credit norm. Existing customer collateral and 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 balance 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 ensure 100% accuracy in file 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. The 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.
- Legal reports, Vetting reports, Technical reports verifying before disbursement.
- LAP Original documents verified and updated in system. BT Documents verifying and updated in system.
- BT Bank's FC letters, List of documents (LOD), BT Confirmation letters verifying before disbursement.
- EMI cheque and PF cheque sending for clearance.
- Internal BT, TOPUP, and Closure payments updating in the system.
Associate
KOTAK MAHINDRA BANK LTD
Bangalore
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
- Repayment Swapping as per customer request, recovery team & credit approval
Senior Associate
Kotak Mahindra Bank Ltd
Bangalore
04.2019 - 06.2021
- 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
01.2017 - 03.2019
Customer Service Officer
Aegis Pvt Ltd.
Bangalore
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
- Collected customer feedback and made process changes to exceed customer satisfaction goals
- Promoted company brand and unique offerings through personalized customer service
Education
B.Com - CA
Kuppam Degree College
Kuppam01.2016
Intermediate - CEC
Vijaya vani junior college Kuppam
Kuppam01.2013
XII -
MFC Govt high school
01.2011
Skills
- Performance improvement
- Supporting sales staff
- Product and service sales
- Operations management
- Good Logical Thinking
Languages
- English
- Tamil
- Telugu
- Kannada
Hobbies and Interests
- Traveling & Hiking
- Learning new things
Timeline
Deputy Manager of Operations
Bandhan Bank Ltd
08.2024 - Current
Assistant Manager of Operations
Axis Bank Ltd- Loan Centre
09.2022 - 08.2024
Associate
KOTAK MAHINDRA BANK LTD
07.2021 - 09.2022
Senior Associate
Kotak Mahindra Bank Ltd
04.2019 - 06.2021
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
Intermediate - CEC
Vijaya vani junior college Kuppam
XII -
MFC Govt high school
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