Priyanga N
Chennai
Summary
Seasoned Manager with a robust background in operations management and documentation, honed at HDFC BANK and Kotak Mahindra Bank Ltd. Excelled in streamlining loan documentation processes and enhancing customer service, achieving significant operational efficiencies. Demonstrates strong decision-making and operational oversight, ensuring compliance and seamless credit administration.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Manager at Credit Administration Department (CAD)
HDFC BANK
CHENNAI
10.2021 - Current
- Reviewed credit approvals to understand business nature, exposure, and CAM condition stipulations.
- Prepared comprehensive loan documentation, including Offer Sanction Letters, Renewal Sanction Letters, and Pari Passu Letters for Sole Bank, MBA, and Consortium clients.
- Verified pre and post disbursement documents to ensure compliance with regulatory standards.
- Prepared credit and security documents in accordance with credit approvals.
- Resolved obstacles in digital documentation to enhance efficiency and promote digital practices.
- Reviewed CAM to understand business nature, exposure, and stipulations before initiating disbursement or limit setting.
- Coordinated with Central CAD to facilitate the lifting of liens on fixed deposits.
- Facilitated the prompt creation of Charge (CHG1) with ROC for limit and loan releases.
- Discussed FTNR cases daily with Unit Head to address exceptions raised by Central CAD, ensuring no repeat issues.
- Ensured all deferral documents and disbursed files were tagged and dispatched immediately, maintaining compliance with the 3-day custody rule.
- Ensured the 2nd Stage SL was prepared the next day and immediately highlighted any tracking discrepancies to Central CAD for prompt rectification.
Deputy Manager at Wholesale Commercial Operation
Kotak Mahindra Bank Ltd
CHENNAI
07.2017 - 10.2021
- Verified loan documents for various business teams including RBG, AF, SME, ARD, IFD, and BBA.
- Raised discrepancies in log files to ensure accuracy and compliance.
- Resolved discrepancies and loaded limits in Glems and Finacle.
- Maintained MIS for monthly Disbursed File, ROC, Cersai, Cross collateral, and Insurance.
- Resolved audit queries raised by the concurrent audit team for disbursed files.
- Created CERSAI records for both movable and immovable assets used as security.
- Updated stock and property insurance records in MIS.
- Initiated ROC chg1 for disbursed cases, ensuring compliance with regulatory requirements.
- Validated clarifications raised by Relationship Managers and support staff for discrepancies in files.
- Dispatched disbursed files and post-dated checks to stock holding.
- Updated DP for cash credit limit upon receipt of credit monitoring confirmation.
- Coordinated with centralized team to ensure timely property release upon receipt of closure, maintaining accurate records.
- Collected processing fees and foreclosure documents from Relationship Managers, ensuring timely handover to the respective team for clearing.
- Managed the allocation of funded and non-funded limits to optimize financial resources.
- Verified lien marking for 100% FD and RD backed cases.
- Managed retail liabilities BG cases, ensuring compliance with regulatory standards.
Back-office Executive (Out Source)
Kotak Mahindra Bank Ltd
CHENNAI
06.2015 - 06.2017
- Managed Agri Business Group monitoring and operations for asset customers.
- Coordinated loan documentation and disbursement processes efficiently.
- Resolved discrepancies identified by the operations team.
- Prepared and executed loan documents for disbursement.
- Coordinated with Mumbai Central Processing team to ensure accurate limit loading and setup.
- Maintained Disbursement MIS for the entire southern region and submitted monthly reports to the Central Maintenance Team.
- Coordinated with Relationship Managers to collect PDD documents and submitted them to the Processing team within the due date.
- Prepared DMA payout reports accurately.
Education
MBA - Finance
Loyola College, Chennai Affiliated To Directorate
Nungambakkam04-2018
Bachelor of Arts - BANKING MANAGEMENT
Meenakshi College For Women
Kodambakkam03-2015
High School Diploma -
Lourdes Girl’s Higher Secondary School
Perambur04-2012
Skills
- Operations management
- Documentation and reporting
- Decision-making
- Customer service
Languages
Tamil
First Language
English
Proficient (C2)
C2
Certification
Tally ERP 9,
Type writing (Lower)
Accomplishments
At HDFC Bank two times sliver award received for recognition of significant contribution to the organizations
At Kotak Mahindra Bank Most wanted awards received for successfully processed volumes 100 percent accuracy in files
Affiliations
- Positive attitude and enthusiasm in team work.
- Adaptable to any environment
- Decision Making
- Willingness to learn
Timeline
Manager at Credit Administration Department (CAD)
HDFC BANK
10.2021 - Current
Deputy Manager at Wholesale Commercial Operation
Kotak Mahindra Bank Ltd
07.2017 - 10.2021
Back-office Executive (Out Source)
Kotak Mahindra Bank Ltd
06.2015 - 06.2017
MBA - Finance
Loyola College, Chennai Affiliated To Directorate
Bachelor of Arts - BANKING MANAGEMENT
Meenakshi College For Women
High School Diploma -
Lourdes Girl’s Higher Secondary School
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