Ranjan Sharma
Gurgaon
Summary
Consistent professional with substantial experience in Finance industry and expertise in KYC, Risk assessment, Disbursement and MIS. Proficient in Excel. Ability to implement strategies to determine inconsistencies in clients’ accounts.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Customer Service Manager
PNB Housing Finance Ltd
Gurugram
2023.09 - Current
- Attending Walk-in Customer in Branch
- Disbursement process of Home Loan, Loan Against Property, BT, Refinance, Top-Up, Endorsement Case etc.
- Working on customer request regarding Foreclosure, LODs, SOA, NOC, Part Payment, Rate change, EMI payment, Loan closure etc
- Responsible for Closure of Service request within TAT
- Received Property papers from legal vendor and updated them in system
- Working on Software like Kastle (LM AND LO), Encore for FD, Salesforce
- Resolving internal audit query.
- Drafted scripts for agents handling incoming calls so that they can respond accurately and effectively.
- Coordinated between various departments to resolve complex problems that require multiple steps or involve multiple teams.
- Served as point-of-contact between customers and internal teams regarding escalated issues requiring special attention.
- Maintained accurate records of customers' interactions with the company in order to provide better future services.
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
Digital Credit Manger (CROPS)
IIFL Home Finance
Gurgaon
2023.02 - 2023.09
- Preparing Loan check list along with disbursement of Mortgage Products (HL, LAP).
- Working on customer request regarding Foreclosure, LODs, SOA, NOC, Part Payment etc
- Conducted due diligence searches in various third-party reports and internal databases
- End to end management of client KYC process across the business, compliance, and operations
- Maintain Customer Service tracker from mails which are receiving on Customer care mail id
- Handled all fund Transfer, RTGS, NEFT and Clearing
- Checking Builder project documents like - PTM, TPA, BBA, Allotment Letter, Payment Receipt, Builder Ledger, Demand Letter, Possession Letter, Conveyance Deed (Sale Deed) etc.
- Releasing demand as per Demand letter requested by builder through customer & Current stage of recommendation of site visited by technical team
Branch Operations Executive
Tata Capital Housing Finance Limited
Gurgaon
2022.01 - 2023.02
- Performed Periodic KYC reviews on risk-based schedule
- Implemented and maintained appropriate KYC and enhanced due diligence compliance standards
- Maintained PDDs MIS
- Checking PDDs and updated it in LOS system
- Handing over PDDs to Ops after updating in system
- OTC checking and update them in LOS for cheque releasing
- Verifying vendors bill for payment process.
- Analyzing Legal fees, Processing charges, credit terms and conditions, ROI and collateral.
- Handing NACH/ECS Mandate registration process
- Security PDC updating and Authorization in core system finnone.
Junior Officer
HDB Financial Services
Gurgaon
2019.08 - 2022.01
- Disbursement of Home loan files (LAP, HL, and TOP UP)
- Maintain Customer Service Tracker
- Repayment entries in system (LMS)
- Worked on software like salesforce, Finone
- Managed customer service inquiries, complaints, escalations.
- Cersai Charge creation
- Cersai Authorization.
- Manage loan files & deferral documents boarding, scanning, audit& archival.
- Publish exceptions to Units to submit response/resolution with in TAT.
Education
MBA - Finance
Suresh Gyan Vihar University
Jaipur, RJ2024-03
Bachelor of Science - Computer Science
Maharshi Dayanand University
Rohtak, HR2017-05
Skills
- MS Office
- Disbursement
- KYC check
- Account Authorizations
- Research and due diligence
- Team Building and Leadership
- Customer Relations
- Decision-Making
- Customer Relationship Management (CRM)
- Cash Handling
- New Hire Training
- Issue Resolution
- Quality Assurance
Accomplishments
- Successfully handled high value loan proposals within define TAT and instrument in making a checklist for documentation requirement for the loans processing
- Effectively handled the transactions processing for the credit operations unit for Secured and Unsecured business.
- Qualify so many disbursement contest and domestics trips.
- Achieved best performer of the year in disbursement process.
- Received excellent appraisals for performance from seniors
DOB
20-Dec-1996
Personal Information
- Father Name - Nand Ji Sharma
- Gender: Male
- Marital Status: Un-Married
Certification
* Playing Cricket
* Travelling and Listening Music
Languages
English, Hindi
First Language
Timeline
Customer Service Manager
PNB Housing Finance Ltd
2023.09 - Current
Digital Credit Manger (CROPS)
IIFL Home Finance
2023.02 - 2023.09
Branch Operations Executive
Tata Capital Housing Finance Limited
2022.01 - 2023.02
Junior Officer
HDB Financial Services
2019.08 - 2022.01
MBA - Finance
Suresh Gyan Vihar University
Bachelor of Science - Computer Science
Maharshi Dayanand University
* Playing Cricket
* Travelling and Listening Music
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