Rohit S. Prabhu
Assistant Manager, Operation.
Vikroli East
Summary
Dynamic professional with over 10 years+ experience in operation and business intelligence within in BFSI sector. Experience includes -
Loan Servicing related activities.
Mandate Registration and Repayment Management.
Bank reconciliation.
Insurance & death claim LAN Closure.
Record management unit. (RMU Department)
Process automation
Overview
10
10
years of professional experience
3
3
Languages
Work History
Assistant Manager - Loan Servicing
SMFG India credit Ltd [Formerly Fullerton India Credit Co. Ltd]
10.2022 - Current
- As a position of an Assistant Manager handling 10-member team related to all, Death claim and LAN closure activity.
- Efficiently handle and process transactions such as foreclosure, part closure, Settlement ensuring alignment with branch collection instructions.
- Utilize SQL queries to extract and analyze data,supporting operational reporting and informed decision-making.
- Create manual receipts/payment advice, Process wevier for changes and manage excess amount,including EMI knock-offs and reversal of adjsutment entries.
- GL Reconciliation - Monitor all Open debit and credit open entries and reconciliation.
- Preparation on monthly review data.
- Involvement in automation,UAT testing SOP preparation.
- BRD preparation regarding new project
- Preparation on customer communication letters for various loan adjustments.
- Co-ordination with Compliance, Legal, Governance team, collection regarding new process, escalation and audit requirements.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Supervised day-to-day operations to meet performance, quality and service expectations.
Assistant Manager - Repayment & Mandate Management
L&T Financial LTD
08.2019 - 10.2022
- As a position of a Assistant Manager handling 06 member team related to all banking related activity.
- Handling all EMI presentation activities. (Presentation process run in Finn one to BRS reconciliation)
- Monitoring all banking activity and mandate registration.
- Transaction file send to bank as per format and updated EMI clearance status in Finn one.
- Customer query resolution on mail and SFDC system. (Wrong debit, SOA not updated, EMI not deduct, Mandate not register, Mandate status.)
- Responsible for all EMI clearance status updation in system with in TAT.
- Follow-up with vendor and respective bank to provide clearance data within TAT.
- Mandate Registration and Banking.
- Promoted teamwork within the workplace by encouraging collaboration among staff members on various project tasks.
Operations Executive - Loan Servicing
Reliance Capital Ltd
08.2018 - 08.2019
- Managed complete operation activates, focusing on the resolution of customer service issues efficiently.
- Handled foreclosure, loan settlement, and maturity loan closures, ensuring timely processing.
- Managed REPO loan closure and part-payment setups, aligning with sanction terms in the system.
- Processed loan cancellations and managed excess refund transaction via RTGS, NEFT, Cheques.
- Coordinated the transfer of excess amount to linked loan or adjusted them against overdue, bounce and EMI payments
- EMI cycle changes and loan downsize effect give in system
- Customer demographic details update
- Due creation in system
- Wavier and knock off
- After loan closure excess amount refund to customer.
- NOC / NDC blocking and unblocking in system as per branch request.
- Coordinate with branches for query regarding loan closure.
- MIS preparation - Closure MIS / BT MIS.
- Resolved customer queries through CRM, Providing prompt and effective solutions.
- Efficiently and effectively identified and solved all problems that impacted direction of business.
Officer
Capital First LTD (IDFC First Bank)
01.2017 - 08.2018
- Mandate QC excel and data entry.
- ECS Mandate reconciliation and start to end mandate tracking.
- Daily ECS Mandate master update and MTS no update in mister if MTS no not received than follow-up with vendor (TPSL)
- Mandate dispatch data update in master - ( ACH, DD, NACH, Auto debit )
- Ensure to handover physical mandate form to TPSL for registration and if received refund back form TPSL and resole the discrepancy and Re-lodge the same.
- Circulate mandate registration MIS on alternate days.
- Re-process reject mandate to NPCI with the help of vendor and ensure maximum mandate registration to
- Discrepancy Mandate and PDC/ SPDC highlighted in Quality MIS and Circulate to Branches on alternate days.
- Send presentation impacting cases MIS to branches and get early resolution.
- Send Blank Payee and Blank cheque MIS to branches.
- Provide scan Images for PDC and ECS to branches.
- Mandate and PDC swapping in PDC system as per customer
- Mandate Reconciliation and Mandate Tacking
- ECS Mandate and PDC Quality MIS
- Mandate and PDC Swapping
- Mandate Registration and Banking department
Officer - RMU Department.
India Infoline Finance LTD. (IIFL)
08.2015 - 01.2017
- Maintained Record of each Mandate/cheque and preparer MIS tracker to provide accurate information to manager.
- Co-ordinate with vendor for file storage.
- As per audit request file retrieval for vendor.
- Provide file scan copy to auditor as per request.
- File Inward and outward MIS.
- PDC and Mandate pullout form files and handover to repayment team for presentation.
Education
PGDM - Finance Management.
Welingkar Institute of Management
Mumbai, India 04.2001 -
Skills
Leadership qualities
Cost reduction
Problem-solving
Employee performance evaluations
Creativity and innovation
Interests
Process automation, Thinking outside the box to find creative solution
Timeline
Assistant Manager - Loan Servicing
SMFG India credit Ltd [Formerly Fullerton India Credit Co. Ltd]
10.2022 - Current
Assistant Manager - Repayment & Mandate Management
L&T Financial LTD
08.2019 - 10.2022
Operations Executive - Loan Servicing
Reliance Capital Ltd
08.2018 - 08.2019
Officer
Capital First LTD (IDFC First Bank)
01.2017 - 08.2018
Officer - RMU Department.
India Infoline Finance LTD. (IIFL)
08.2015 - 01.2017
PGDM - Finance Management.
Welingkar Institute of Management
04.2001 -
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