SARASWATI PAWAR
Bengaluru
Summary
Detail-oriented Senior Operations Professional with over 4 years of experience in lending and financial operations. Expertise in loan processing, payment management, and documentation. Streamlined operational processes and resolved complex issues while ensuring accuracy and compliance. Strong analytical and decision-making skills enhance team collaboration and drive operational efficiency.
Overview
3
3
Languages
6
6
years of professional experience
Work History
Senior Operations Executive
1T9 TECHNOLOGY (OTO Capital)
Bengaluru
03.2022 - Current
- Managed end-to-end dealer payment operations, ensuring accurate and timely dealer payouts within defined TAT to maintain strong dealer relationships.
- Manage the RC (Registration Certificate) process, including document verification, tracking, stakeholder coordination, and closure of pending cases.
- Manage the FlashID Insurance process, ensuring timely verification, processing, and closure of insurance requirements.
- Managed dealer onboarding across multiple cities, verifying required documents and ensuring accurate system updates to facilitate effective onboarding and operational continuity.
- Coordinate closely with the Sales Team to resolve operational queries, payment holds, documentation gaps, lender issues, and ensure smooth and timely transaction processing.
- Handled Top-Up Personal Loan operations, coordinating documentation and processing to ensure seamless loan fulfillment and enhanced customer satisfaction.
- Collected and verified PDD (Post-Disbursement Documents), including invoices and insurance documents, for loan processing.
- Handle the Loan Agreement process, including document verification, coordination, digital signing, execution, and tracking of pending agreements.
- Review and validate payment requests, invoices, KYC documents, bank statements, and loan agreements to ensure accuracy and compliance.
- Manage Bounce Collection activities by tracking bounced payments and coordinating with relevant stakeholders for timely resolution and collection.
- Handle the NOC process, including verification, request processing, tracking, and coordination for timely NOC issuance.
- Manage foreclosure and loan-tenure completion data, including FCL statements, payment links, and tracker updates.
- Perform daily, weekly, and monthly reconciliation of loan disbursements across lender data and internal records.
- Handle mandate creation and ECS presentation processes to support smooth customer repayment operations.
- Supported lender integration and process improvement initiatives, contributing to a 25% reduction in TAT and a 40% improvement in operational efficiency.
- Work with lending-industry platforms and aggregators including LotusPay, Easebuzz, Digio, and Razorpay, along with digital signing platforms Legality and SignDesk.
- Review customer loan details in AllCloud, identify data discrepancies, and coordinate updates to maintain accurate records.
Customer Care Executive
First Source Solutions (FSL)
06.2021 - 02.2022
- Resolved complex queries and operational issues for high-net-worth customers and private bankers, ensuring high service standards.
- Delivered timely updates to customers throughout operational and documentation processes, enhancing communication and transparency.
- Analyzed customer data to identify trends and improvement opportunities, contributing to a 40% increase in customer satisfaction.
- Gathered due-diligence information for loan document preparation, coordinating title work, appraisals, and collateral data with lenders to streamline processes.
Operations / KYC Support
Golden Bag Technology
10.2020 - 02.2021
- Facilitated end-to-end KYC processes, ensuring alignment of operational requirements with workforce capabilities.
- Managed collection, organization, and maintenance of customer financial and loan documents for underwriting.
- Coordinated daily operations to ensure efficient workflow within support teams.
- Assisted in managing inventory and supply chain logistics for technology products.
- Developed and maintained accurate records using company-specific software systems.
Education
Bachelor of Commerce (B.Com) -
Guruji Degree College
Gulbarga05-2021
Skills
- Problem Solving & Decision Making
- Sales Coordination
- Lender Coordination
- Quick Learning & Adaptability
- Strong Analytical Skills
- Effective Communication
- Team Collaboration
- Stakeholder Coordination
- Time & TAT Management
- Attention to Detail
- Process Management
- Ownership & Accountability
Personal Information
Title: SENIOR OPERATIONS EXECUTIVE
Languages
Hindi
Advanced (C1)
C1
Kannada
Advanced (C1)
C1
English
Intermediate (B1)
B1
Timeline
Senior Operations Executive
1T9 TECHNOLOGY (OTO Capital)
03.2022 - Current
Customer Care Executive
First Source Solutions (FSL)
06.2021 - 02.2022
Operations / KYC Support
Golden Bag Technology
10.2020 - 02.2021
Bachelor of Commerce (B.Com) -
Guruji Degree College