Saurya Vikram
Lucknow
Summary
Experienced banking professional with a strong background in branch banking operations, retail assets operations, lending operations, wholesale banking, and corporate banking products. Demonstrated success in securing retail loans and driving operational efficiency. Seeking a role that allows utilization of strong analytical and technical skills to achieve organizational objectives. Committed to delivering exceptional customer service while ensuring compliance with regulatory standards. Skilled in identifying revenue growth opportunities and implementing strategies to enhance operational performance. Looking to contribute to a dynamic banking environment through proactive problem-solving and strategic decision-making.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Manager
Kotak Mahindra Bank Ltd
11.2024 - Current
- Service Excellence Specialist in Wholesale Banking group.
- Preparation, Issuance and verification of sanction letter, facility and security documents.
- Verification of executed legal documents as per Documentation Grid released by the legal team from time to time & Sanction Letter / Term Sheet issued by the business / credit team.
- Handling customer service request and post sanction documentation requirements across Wholesale Banking Businesses.
- Liaising with internal stakeholders for timely execution of deliverables and smooth resolution of issues.
- Disbursement processing including handling of LMS software/ inputting data / other ancillary systems.
- Timely reporting to CICs/ RBI/ other compliances.
- Vetting of KYCs/ documents.
- Charge creation and perfection of security.
- Review of Appraisal & Modification proposals to ensure compliance with regulatory requirements & laid down Policies & Processes.
- Preparation of various MIS reports & flagging out critical issues to various stakeholders to ensure timely closure.
- ensuring execution of documents / compliance with the terms and conditions of sanction and tracking of deferrals/ approvals accorded by internal stakeholders.
- Tracking deferrals with escalation for regularization with escalation to the concerned RM/Business.
- Liaising with internal Technical and Legal team for smooth processing of Mortgage creation.
- Handling RBI and internal audits.
- ROC charge creation/satisfaction, property papers retrieval temp/permanent, dispatch disbursed files to Hub post checking.
Branch Operations Manager
Aditya Birla Finance Limited
11.2021 - 10.2024
- Handling Branch operations for UP east region.
- Handling disbursement activities for Secured LAP an SME products.
- Verification of executed legal documents as per Documentation Grid released by the legal team from time to time & Sanction Letter / Term Sheet issued by the business / credit team.
- Collateral Maintenance.
- CERSAI Maintenance. (Charge Creation & Release) Checker for Mortgage, Hypothecation & Intangible assets - basis terms of sanctions.
- ROC charge creation/satisfaction, property papers retrieval temp/permanent, dispatch disbursed files to Hub post checking.
- Deferral Closures (post receipt of requisite document from Business Unit against deferral obtained).
- Preparing MIS of Daily disbursement, OTC/PDD tracking, Dispatch tracker, Cheque cancellation and reissuance, Loan cancellation, RTGS/NEFT processing.
- Property Papers release and verification before releasing the papers to customer or customer service team.
- Dispatching PDC/SPDC/NACH to CPU team after disbursement.
- Looking after EMI/PEMI/PF banking of cheques.
- Reconciliation of Credit/Debit by coordinating with Recon/COPS/repayment team.
- Ensuring Errorless Transactions & timely resolution of audit queries.
- First and partial Disbursements, TDS refund, account closure.
- Supply chain disbursements for Ultratech and Grasim.
- Handling Customers day to day and solving there problems related to foreclosure of the loans, Emi related queries, any request related to there loan account
- Escalation Resolution, Customer relationship management, Process improvement, revenue and retention
- Handling RBI, SMT and social media escalations.
- Coordinating with all the stake holders, bringing new policies for better customer experience and benefitting the company at same time
- Training team of service agents and new joiners on new products, offers, campaigns, system, CRM
- Collate and publish reports on daily basis regarding CC operations.
Assistant Manager - Operations
Axis Bank
04.2019 - 11.2021
- Managing day to day branch operations which includes Cash handling, Neft/Rtgs transactions, Forex
- Handling Customer queries and giving them proper solution's and solving there problem's regarding any issue related to their account
- Handling the Branch and managing all the tasks which included case and vault operations, managing kits, scrutiny of accounts opened, KYC/AML
- Proper functioning of the branch and making sure all the things are cleared without any pendency so that EOD runs smoothly
- Service Experience : Deliver best in class onboarding and ongoing service by offering product and feature enhancement
- Increasing Branch profitability and increasing revenue by identifying new busines opportunities and cross sell of the TPP.
Education
Post Graduate Diploma In Banking And Finance - Banking And Finance
Manipal Academy of Higher Education
Bangalore10th -
Lucknow Public School
Lucknow12th -
Lucknow Public School
LucknowB.Com -
Lucknow University
LucknowMBA - Finance & Marketing
Subharti University
NoidaNISM certification Mutual funds. NISM certification Depository Operations -
Manipal University
Skills
- Team work
- Banking operation/ Retails assets operations
- Wholesale Banking Operations
- Mortgage
- Risk assessment
- AML/KYC
- Client Servicing
- Compliance management
- Credit administration
- Supply chain finance
- Banking and finance
- Branch Operations Management
Certification
NISM certificate in depository operations
NISM certificate in Mutual Funds
Languages
Hindi
English
Timeline
Manager
Kotak Mahindra Bank Ltd
11.2024 - Current
Branch Operations Manager
Aditya Birla Finance Limited
11.2021 - 10.2024
Assistant Manager - Operations
Axis Bank
04.2019 - 11.2021
Post Graduate Diploma In Banking And Finance - Banking And Finance
Manipal Academy of Higher Education
10th -
Lucknow Public School
12th -
Lucknow Public School
B.Com -
Lucknow University
MBA - Finance & Marketing
Subharti University
NISM certification Mutual funds. NISM certification Depository Operations -
Manipal University
NISM certificate in depository operations
NISM certificate in Mutual Funds
Similar Profiles
NITIN RANANITIN RANA
SENIOR CREDIT ANALYST at Kotak Mahindra BankSENIOR CREDIT ANALYST at Kotak Mahindra Bank
Kanwar Abhay SinghKanwar Abhay Singh
AVP- Sr. Priority Relationship Manager at Kotak Mahindra BankAVP- Sr. Priority Relationship Manager at Kotak Mahindra Bank
Sharath PapineniSharath Papineni
Product Manager at Kotak Mahindra BankProduct Manager at Kotak Mahindra Bank