Sanjay Nair
Banking And Lending Industry
Mumbai
Summary
Results-driven professional with 14+ years of experience in the banking and lending industry. Seeking a challenging and responsible position to leverage extensive professional background for the organization's progress. Committed to staying updated with latest technologies to enhance skills and contribute to organizational growth.
Overview
15
15
years of professional experience
2
2
years of post-secondary education
Work History
Assistant Vice President
IndusInd Bank
06.2022 - Current
- Overall management and governance of 50 underwriters
- Driving team of underwriters for efficient, accurate and optimum output
- UAT for new products and system
- Partnering with Risk Containment Unit to investigate Fraud
- Providing approvals for cases received for limit enhancement
- Maintaining MIS / monthly reports and sharing reports with Sales Team and Stakeholders
- Managing concerns of Internal and Vendor Audit
- Providing solutions/suggestions to Digitization team to automate system
- Vendor Cost Management
- Established a high-performance culture within the team by setting clear expectations and providing regular feedback on individual performance contributions.
- Optimized resource allocation by analyzing operational needs, reallocating resources as needed to maximize efficiency across all functions.
- Assisted in recruiting, hiring and training of team members.
- Trained and guided team members to maintain high productivity and performance metrics.
Assistant Manager
Ascendum KPS Private Limited
11.2021 - 06.2022
- Managing team of 40 including 4 Team Leads responsible for Mortgage Underwriting and Underwriting Automation Audit
- Maintaining SLA’s, Team quality and Client Escalation
- Managing MIS reports, Audit Reports, quality dashboard, production dashboard, utilization report
- Preparing audit data and compliant with company and follow security information
- Training and Mentoring Team Leads and New Joiners
- Data Analysis of report in order to ease process by innovative and improvement ideas
- Conducting Team Huddle and sharing duly updates regarding change in guidelines and handling queries and issues
- Troubleshooting complex scenarios with help of guidelines and helping Team member in proper decision making
- Connecting with all stakeholders to provide all required amenities to team and company.
Assistant Manager
Firstsource
09.2019 - 10.2021
- Managing team of Underwriters and Processors responsible for Conventional Underwriting
- Maintaining SLA’s and Team quality
- Managing Client Escalation
- Managing MIS reports, Audit Reports, quality dashboard, production dashboard, utilization report
- Preparing audit data and compliant with company and follow security information
- Summarizing client on production and quality performance on weekly basis
- Training and Mentoring Team member and New Joiners
- Data Analysis of client report and available system in order to ease process by innovative and improvement ideas
- Conducting Team Huddle and sharing duly updates regarding change in guidelines and handling queries and issues
- Troubleshooting complex scenarios with help of guidelines and helping Team member in proper decision making
- Connecting with all stakeholders to provide all required amenities to team and company.
Team Leader
Quatrro Mortgage Solutions
03.2015 - 09.2019
- Underwriting and reviewing of residential mortgage loan for various clients
- Assisting clients in reducing defect rate and curing defects to best possible extends to ensure delivery of high-quality products to investors and safeguarding lender’s interest in investors market
- Analyzing all 4 C’s of Underwriting (Credit, Capacity, Capital and Collateral)
- Maintaining Daily Production and Quality report and publishing report on weekly basis to Operation Team
- Weekly call with Client for Feedback discussion
- Training and Mentoring Team member and New Joiners
- Conducting Team Huddle and sharing duly updates regarding change in guidelines and handling queries and issues in team of five
- Troubleshooting complex scenarios with help of guidelines and helping Team member in proper decision making.
Underwriter
Tata Consultancy Services
04.2012 - 03.2015
- Underwriting post closed residential mortgage loans for clients
- Assisting clients in reducing defect rate and curing defects to best possible extends to ensure delivery of high quality products to investors and safeguarding lender’s interest in investors market
- Analyzing all 4 C’s of Underwriting (Credit, Capacity, Capital and Collateral).
Associate
Syntel
04.2010 - 12.2011
- Auditing and reconciliation of Mutual Funds, Equity, Bonds and Investments
- Calculating NAV, TNA and Market Value of each fund and comparing Trial Balance is properly balanced or not, if there are any discrepancies then need to prepare detailed report stating reason for each discrepancy and submit it to final client
- After completion of Audit report is being publicized in UK market for shareholders
- Handling Account maintenance related queries for Mutual fund & Fund accounting through voice & non-voice channel
Education
MBA - Operations Management
Institute of Technology And Management
Mumbai 01.2016 - 04.2018
Bachelor of Commerce -
Vivek College of Commerce, Mumbai University
Mumbai 01.2008 - 04.2010
Diploma - Software Engineering
NIIT
Mumbai 01.2014 - 04.2011
Skills
Risk and Fraud Management
People Management
Credit Analysis
Training & Quality Management
Recruiting and Hiring
Crisis management
Operations management
Accomplishments
- Completed GES Personality Development course based on American business culture and was also groomed for enhancing communication skills
- Completed First Step towards Leadership Workshop based on how to take responsibilities and take decisions
- Completed Oracle Database Fundamental-1 Certification
- Completed Business Analytics Course Certified by NSE (National Stock Exchange).
Timeline
Assistant Vice President
IndusInd Bank
06.2022 - Current
Assistant Manager
Ascendum KPS Private Limited
11.2021 - 06.2022
Assistant Manager
Firstsource
09.2019 - 10.2021
MBA - Operations Management
Institute of Technology And Management
01.2016 - 04.2018
Team Leader
Quatrro Mortgage Solutions
03.2015 - 09.2019
Diploma - Software Engineering
NIIT
01.2014 - 04.2011
Underwriter
Tata Consultancy Services
04.2012 - 03.2015
Associate
Syntel
04.2010 - 12.2011
Bachelor of Commerce -
Vivek College of Commerce, Mumbai University
01.2008 - 04.2010
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