Sathish Kumar Mugilan
Chennai
Summary
Relentless pursuit to achieve company's objectives & values in furtherance of goals, be they personal, functional, crossfunctional & business vertical with focus on loyalty, integrity & last but not the least self- esteem & respect for business stakeholders through pro-active leadership.
Overview
7
7
years of professional experience
4
4
years of post-secondary education
Work History
Operations Manager
AU Small Finance Bank Ltd
Chennai
11.2024 - Current
- Managed Chennai and Coimbatore state Business Banking operation and supporting branches for processing Working Capital Loans within Prescribed TAT.
- CERSAI DSC holder- Registration, Modification and Satisfaction done at Cersai Site.
- ROC tracking and charge Creation ,Modification and Satisfaction done at MCA site.
- Processed stock and property insurance cases as per defined organisational checklist, verified client documents and ensured accuracy before policy processing.
- BO UPDATION- For NON-INDIVIDUAL entities Authorised signatory BO details updated based on share holding pattern and KYC should be obtained.
- PDD tracking and completion for Disbursed file.
- Take Responsibility as joint custodian for original property document vault and Property release.
- Verification of original property title documents vetting can be done.
- Maintain good relationship with mentor's and stake holder and consistently work on improvisation towards enhancement.
- MODT draft and SRO copy preparation for mortgage creation.
- Initiate account closure and document hand over to customer with in TAT.
Credit Relationship Manager
HDB Financial Service
Chennai
06.2023 - 11.2024
- Scrutinize the file and Checking eligibility criteria and ensure Application reference no if generated as soon as a file is logged in and Check CIBIL and SAS of every logged in files
- Maintaining and Triggering TAT with respect to initiating and sharing of the additional documents required ensure CPV and TVR and PD and FI and RCU is done after CIBIL
- Preparation of Credit Approval Memorandum (CAM) - Credit recommends and forwards to appropriate authority as per authorized limits, in case of higher limit, deviation, deferral
- Review performance of the outsourced activities such as CPV, TVR , Legal and Valuators, Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market
- Ensure the completed document is moved into the Operations Queue for disbursement
- Ensure documentation is in place before sending the file for dispatch, with reviews done periodically on the documentation, besides ensuring dispatch of the physical file
- PDD management for the branch and Resale process of repossessed vehicles, Post disbursement documents like Invoice, RC, and Insurance follow up & updation
- MIS tracking & maintenance for Business, Collection, PDD, and all other Monthly tracking data.
- Regular accountability monitoring and maintaining audit score and KRA activities as per process note
- File processing 10 to 15 Nos and Its Volume upto 4 Crs per month and Yearly file processing 300 to 360 Nos and Its Volume upto 14 to 15 Crs
Operation Executive
Axis Bank Ltd Subsidiary of Team Lease
Chennai
10.2021 - 06.2023
- Managed South Business Banking operation and supporting branches for processing Working Capital Loans and Retails Product loans within Prescribed TAT.
- Monitored PDD activities of Working capital loans.
- Vendor Management.
- File and original docket tracking, storage and retrieval management.
- KYC and AML Policy and process orientation training.
- Imparting process and product trainings to all the sales team and DSA on regular intervals to minimize FTNR and error ratio.
- Analyzed process and policy.
- Repayment management - NACH Curing.
- Life and General Insurance management.
- Coordinating with Insurance partners for smooth insurance process of both Life and General insurance and ensuring timely payments to Insurance Vendor.
- Reconciliation of various internal accounts.
- Audit Management.
- Customer Service and compliant management.
Operation Executive
HDB Financial Service Subsidiary of Team Lease
Chennai
02.2021 - 10.2021
- Processed Loan application of Secured and Unsecured Products.
- Checked KYC Documents & Credit documents of the loan.
- Keyed basic information of customers in system.
- Tracked Life insurance forms and policy issuance status.
- Maintained various types of MIS.
- Tracked PSL documents and Published MIS to all stake holders.
- Communicated with Sales team for end to end disbursement activities
Document Verification Executive
Axis Bank LTD Quess Corp
Chennai
07.2019 - 08.2020
- Performed the required KYC screening on customer and documented information obtained on the clients are required by global KYC procedures.
- Communicated with Sales team for end to end disbursement activities
- Resolved customer's queries.
Education
B.Com - Commerce
Sir Theagaraya College
Chennai, India 06.2012 - 04.2015
Higher Secondary - Commerce
Sir Theyagaraya college Hr Sec School
Chennai, India 06.2011 - 03.2012
SSLC -
Shree AG Jain Hr Sec School
Chennai, India 06.2009 - 03.2010
Skills
- Windows 10
- Finnone
- LOS
- Idea LOS
- Finacle
- Flex cube
- Laser soft
- MS Word
- MS Excel
- MS PowerPoint
- Open Office
- Tally
Languages
- Tamil, Read, write and speak
- English, Read, write and speak
Disclaimer
I hereby declare that the details mentioned above in my resume are correct to the best of my knowledge and belief. I bear the responsibility of any error or mistake in the data if occur in the future.
Non Collegiate
Part of school & College Football University Winner and Played for Chennai Customs (Government) 2015-2019.
Personal Information
- Father's Name: M. Mugilan
- Mother's Name: M. Renuga
- Marital Status: Single
Timeline
Operations Manager
AU Small Finance Bank Ltd
11.2024 - Current
Credit Relationship Manager
HDB Financial Service
06.2023 - 11.2024
Operation Executive
Axis Bank Ltd Subsidiary of Team Lease
10.2021 - 06.2023
Operation Executive
HDB Financial Service Subsidiary of Team Lease
02.2021 - 10.2021
Document Verification Executive
Axis Bank LTD Quess Corp
07.2019 - 08.2020
B.Com - Commerce
Sir Theagaraya College
06.2012 - 04.2015
Higher Secondary - Commerce
Sir Theyagaraya college Hr Sec School
06.2011 - 03.2012
SSLC -
Shree AG Jain Hr Sec School
06.2009 - 03.2010