Summary
Overview
Work History
Education
Skills
Certification
Languages
Accomplishments
Timeline
Generic

Sandeep Kumar

Ghaziabad

Summary

Strategic and detail-oriented Head of Disbursement Unit with over 10 years of experience in SME lending Operations. Proven track record of optimizing loan processes, enhancing team performance, and driving business growth through strategic planning and effective management of lending operations. Expert in managing disbursement processes, optimizing workflow, and leading teams to ensure timely and accurate loan distribution.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Sr. Manager-Head- CPU-Operations

U-Gro Capital Ltd
Delhi
11.2021 - Current
  • Leading a Team of 30+ Employees of CPU to help achieve business objectives
  • Entire monitoring of pre and post Disbursement process including system entry, PDD & OTC MIS management, NACH Activation, Loan cancellation, Disbursement Cancellation/Rebooking, Physical Files tracking and Storage Management, Vendor management of CPU-Operations
  • Focusing on service quality and customer satisfaction, motivating employee performance and continuously developing talent through encouragement, feedback, and coaching
  • Ensuring the operation remains compliant with all best practice standards and reporting requirements, together with all relevant regulatory and statutory requirements, where appropriate implementing actions to protect U Gro's business at all times
  • Managing activities like Self-Audit, Storage of Co-lending Portfolio, facilitation of Documents for audit by Co-lending Partner as when as required
  • Developing an effective control framework that fully meets Audit, Compliance, and regulatory Requirements
  • Delivering periodic presentations/MIS Reports to internal stakeholders as and when required
  • Coached, mentored and trained team members in order to improve their job performance.
  • Created monthly reports for senior management summarizing operational performance metrics.
  • Monitored performance metrics of regional operations teams, identified areas for improvement, and developed strategies to maximize productivity.
  • Oversaw hiring process for new employees in order to ensure compliance with company standards.
  • Developed training programs designed to enhance employee knowledge of operational processes and procedures.
  • Well versed with FinnOne LOS and LMS and similar LOS/LMS Systems

Manager-Operations -School Finance (LAP)

Manappuram Finance Ltd
Mumbai
03.2020 - 08.2021
  • Entire monitoring of pre and post Disbursement process including system entry, PDD & OTC MIS management, NACH Presentation and management, Insurance MIS, Storage Management, Vendor management
  • Monthly NACH File Preparation and Presentation, Banking of PDC Cheques and system entries of clearance
  • Created monthly reports for senior management summarizing operational performance metrics.
  • Evaluation of Loan Files for final disbursal, resolution of Queries and system entry in FINOONE
  • Tracking, monitoring and driving closure of all open pre and post disbursement documents compliance in terms of sanction letter and internal policies of the Company

Manager-Operations - SME/LAP

CSL Finance Ltd
Noida
02.2018 - 03.2020
  • Established Operations department's objectives and formation of SOP's
  • Entire monitoring of pre and post Disbursement process including system entry, PDD & OTC MIS management, Insurance MIS, NACH Activation, Storage Management, Vendor management
  • Monthly NACH File Preparation and presentation, PDC Banking
  • Tracking, monitoring and driving closure of all open pre and post disbursement documents compliance in terms of sanction letter and internal policies of the Company
  • Preparing MIS reports on business operations, collection, for management and Presentation for performance reviews
  • Performs other related activities and other duties as assigned by Business head/MD& CEO

Asset Operation Officer- Home Loans/LAP

UJJIVAN SMALL FINANCE BANK LTD
Noida
08.2016 - 01.2018
  • Evaluation of Loan Files for final disbursal, resolution of Queries and system entry of Secured and unsecured Loans
  • Issuance of Welcome Letter to Customers
  • Property document Management
  • Vendor management
  • Responsible for Hard copy & SPDC of unsecured Loan & maintaining the tracker & handling back end disbursal process

Branch Operation Officer- Home Loans/LAP

SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY PVT. LIMITED
KHICHRIPUR -New Delhi
12.2014 - 07.2016
  • Meeting with client, evaluating them, transparently advising intricate details of our products
  • Responsible for processing Loan Applications in LOS and handling documentation of Home Loans and LAP and Verification of Property Documents and Legal and Valuation Reports
  • In charge of branch maintenance and administration
  • Front end customer meetings, Attending walk-in's customers of branch
  • Vendor management including lawyers, vendors, FCU agencies etc

Education

Bachelor of Commerce - Computer

Rashtriya Vishwa Vidyapeeth
New Delhi
06-2016

Skills

- Loan Process Optimization

- Team Leadership and Development

- Strategic Planning and Execution

- Client Relationship Management

- Regulatory Compliance

- Risk Assessment and Management

Certification

  • Credit Skills for Bankers-Retails Lending (Moody’s Analytics)-Nov’2020

Languages

Hindi
First Language
English
Proficient (C2)
C2

Accomplishments

  • Consistent Performer with 5 Star Rating

Timeline

Sr. Manager-Head- CPU-Operations

U-Gro Capital Ltd
11.2021 - Current

Manager-Operations -School Finance (LAP)

Manappuram Finance Ltd
03.2020 - 08.2021

Manager-Operations - SME/LAP

CSL Finance Ltd
02.2018 - 03.2020

Asset Operation Officer- Home Loans/LAP

UJJIVAN SMALL FINANCE BANK LTD
08.2016 - 01.2018

Branch Operation Officer- Home Loans/LAP

SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY PVT. LIMITED
12.2014 - 07.2016

Bachelor of Commerce - Computer

Rashtriya Vishwa Vidyapeeth

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