Sagar Sarak
Mumbai
Summary
Seasoned Lending Operations Manager with extensive experience in fintech, NBFCs, and corporate sectors. Expertise in managing comprehensive digital loan operations, reconciliation, compliance, and stakeholder engagement. Proven track record in process automation, SOP creation, and end-to-end operational setups. Adept at leading cross-functional teams to drive efficiency and regulatory adherence.
Overview
10
10
years of professional experience
Work History
Sr. Manager (Lending Operations)
Ved India Pvt Ltd
Delhi
04.2022 - Current
- Managed end-to-end digital loan operations, including application processing, verification, documentation, disbursement, repayment, and collections.
- Directed the disbursement of various financial products such as Revenue Based Financing (RBF), OD, TL, WC, SCF, LAS.
- Streamlined processes to ensure regulatory compliance and operational efficiency.
- Established processes for customer acquisition, portfolio servicing, collections, and compliance for both digital and non-digital operations.
- Prepared and presented monthly EMI reports and managed NACH mandates.
- Managed a team of 8+ employees by providing guidance, setting goals and objectives, delegating tasks, and monitoring performance.
- Handled daily disbursements from escrow accounts ensuring timely payments to creditors and vendors.
- Oversaw changes and deployments in the Loan Management System (LMS) through User Acceptance Testing (UAT).
Manager (Operations and Credit)
GetVantage Tech Pvt Ltd
Mumbai
03.2021 - 03.2022
- Managed end-to-end loan cycle from application to disbursement and post-disbursement activities.
- Led a team in the disbursement of RBF, OD, TL, Inventory Loans, Business Loans, and more.
- Automated lending operations for improved efficiency and quality.
- Ensured proper coordination with sales and credit teams for efficient loan processing.
- Maintained TAT for all processing activities and managed E-NACH, E-KYC, and E-Sign agreements.
- Participated in periodic audits of processes related to loan origination and servicing.
- Managed post-closing activities including booking new loans into core systems and preparing closing documents for delivery to investors and insurers.
Manager (Operations and Credit)
Udaan.com Indusage Techapp Pvt Ltd
Mumbai
12.2019 - 02.2021
- Managed end-to-end loan operations including credit, PAD, activation, disbursement, banking, and repayments.
- Managed a team of 30+ employees by providing guidance, setting goals and objectives, delegating tasks, and monitoring performance.
- Handled products such as unsecured business loans, invoice financing, SCF, retail loans, personal loans, and vehicle loans.
- Underwrote and proposed unsecured business loans and retail loans.
- Participated in creating process maps and operating procedures, and hired and trained loan operations staff.
- Conducted UAT testing for automation projects and ensured adherence to TAT and regulatory standards.
Dy. Manager (Operations and Credit)
NCML MKTYARD Pvt Ltd
Kanjurmarg
05.2017 - 11.2019
- Managed loans against commodities, securities, MF, and bonds.
- Conducted personal discussions with customers to assess creditworthiness and ensure completion of credit/KYC documents.
- Handled MIS, disbursement with finance team, and documentation for loans against commodities and securities.
- Conducted UAT testing for process automation and monitored client CIBIL and loan portfolio quality.
Settlement Cum Credit Loan Operations Executive
Amit Sahita Finance Pvt Ltd
Fort
10.2014 - 04.2017
- Managed securities pay-in and pay-out, billing processes, and compliance/audit activities.
- Verified statutory dues and handled funds and commodity pay-in and pay-out as per settlement schedules.
- Evaluated loan documents, processed loan applications, and ensured adherence to credit policy.
Skills
- NBFC, Fintech, Loan Service Provider
- Financial Institutions
- Payment Gateway's/Aggregators
- OD, TL, WC, SCF, RBF, PL, HL, LAS, LAP
- Retail and Wholesale Lending
- Digital Lending Transformation
- Loan Operations Management (LMS/LOS)
- Reconciliation & Accounting
- Compliance & Regulatory Adherence
- SOP Creation & Process Setup
- Process Automation
- Stakeholder Management
- Team Leadership
- Case Assessment
- Credit Reporting
- Customer Experience Enhancement
System Knowledge -
- DIGIO: E-KYC, E-Stamps, E-NACH, E-Agreements, Aadhar-based Signatures, E-signatures
- Payment Gateways: Razorpay, Cashfree, Decentro, Eazybazz
- System: LMS, LOS, CAS, Collateral and Reports Modules (FinnOne, ELAAP etc)
- MS-Office: Advanced Excel (Dashboards, VLOOKUP, Pivot Tables, Macros)
Academicrecord
- MBA in Finance
- B.Com
- NCFM - Commodity Dealer Module
- NISM-Series-VII: SORM Certification
- NISM-Series-VI: Depository Operations Certification
- MCX Certified Commodity Professional (MCCP)
- CARE Rating - Credit Retail Assessment Course
- Sonal Gold Institution: Gold Auditor Certification
Disclaimer
I hereby declare that all the information provided is accurate and truthful to the best of my knowledge.
Timeline
Sr. Manager (Lending Operations)
Ved India Pvt Ltd
04.2022 - Current
Manager (Operations and Credit)
GetVantage Tech Pvt Ltd
03.2021 - 03.2022
Manager (Operations and Credit)
Udaan.com Indusage Techapp Pvt Ltd
12.2019 - 02.2021
Dy. Manager (Operations and Credit)
NCML MKTYARD Pvt Ltd
05.2017 - 11.2019
Settlement Cum Credit Loan Operations Executive
Amit Sahita Finance Pvt Ltd
10.2014 - 04.2017
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