Selvaprabu D
Mortgage Specialist
Chennai,TN
Summary
Overall 12+ years of experience in banking loan operations. A year of experience in card sales and servicing 4 years of experience in sales coordination in area level across 15 branches and looking after administrative requirements of all branches in Tamil Nadu and Kerala. Achieved 9 years as strong performer in HDPI and HSBC Ltd. Successfully implemented Light Automation Tool (LA Tool) with help of IT developers by enhancing process improvement in TAT by eradicating manual efforts. Investigated and found few cores in INR from UN-posted funds in suspense accounts of Mortgage and Personal loan departments. Enabled coordination between teams through process flow and achieved high number of reductions in customer complaints monthly 80 nos. by avoiding gaps in process. Award achiever for 3 consecutive years from 2007-2011 and then promoted as Deputy Area Commercial Coordinator in 2011. Proficient in heading and applying Leadership skill, Planning and achieving targets as per industry standards. Active Mentor for Earthian (Green World) Activities and CSR Activities for Social enlightenment. Strengths include Soft Skills, Team Building, Motivating and Mentoring.
Overview
18
18
years of professional experience
Work History
Assistant Manager – Regional Mortgage Support (Branch Network)
HSBC Bank India Ltd.
03.2024 - Current
- Collaborate with internal teams, including compliance, legal, and operations, to support effective risk management
- Complete ownership on checking all Mortgage Applications. The applications that are logged in should be checked for correctness and accuracy.
- Ensure KYC and Financial defects are within the agreed threshold
- Checking the Post Approval Documents for correctness and accuracy. The defect rates should be maintained well within the threshold
- Timely tracking of Region/Branch Post Disbursal documents
- Support branch banking on Personal Loan processing, Liability account opening, resolving service queries
- Facilitate trainings for new joiners to enhance product specific knowledge
- Manage monthly reports for Senior Stakeholders, received from various channels
- Adhere to procedures laid down by BIM/FIM/DIM/INM/RBI and other regulatory bodies.
- Understand the legal responsibility to be vigilant for unusual activity and reporting of same
- Support the Country or Regional FCC AML Office/ AML Investigations by providing additional information when required
- Working as SPOC for implementing new application MPO for Mortgage application processing and disbursal, Power Apps and etc…
Assistant Manager - Collateral Management Unit (CMU)
HSBC Bank India Ltd.
04.2018 - 03.2024
- The Receipt and verification of property documents across PAN India from empanelled lawyers post disbursement of loans in 3 segments. The documents will be segregated and updated into system as per TAT. If any discrepancy will be highlighted to legal counsel for resolving the issue.
- Post documentation the next level of physical verification on property papers will be reviewed as “Maker and Checker” concept to eradicate any type of updating error.
- Issuance of list of documents (LOD) will be issued as per TAT to borrowers and also if any pendency of document to submit then pending list of documents (PLOD) will be shared along with LOD.
- Updating of all liens related charges into CERSAI portal for all home loan account products
- Archival of property documents cum Bank security document and credit file will be stored at vendor site.
- Issuance of home loan NOC enclosure of customer doc’s with LOD and deletion of lien related charges from CERSAI post loan closure.
- Updation of receipt of customer acknowledgement by handover of property doc’s to customer with proper KYC’s
- Coordinating with various activities and analyzing the processes to reduce the Turn Around Time (TAT)
- Preparation of MIS Reports on Daily, Weekly, Fortnightly and Monthly Basis to share with stake holders on improvement and sustained performance.
- Maintaining SLA to ensure compliance of 100% resolution of Customer queries and ensuring that all complaints are resolved within defined TAT’s.
- Mentoring new team members with product & process knowledge.
- Enthusiastic in taking up new activities and completing within stipulated time frame by achieving reward.
Executive CSE- A Processing (Personal Loan and Home Loan Servicing Unit)
HSBC Electronic Data Processing (India) Limited (HDPI)
05.2013 - 04.2018
- Handling BO (Banking ombudsman) complaints and resolving through resolution under complete investigation.
- Handled ECS (Electronic Clearing System) & NACH (National Auto Clearing House) and processing presentation and representation on cycle 1 & 2 from Mar’2017.
- Handling team in the absence of manager.
- Training given to new joiners on process.
- Investigation on un-posted funds in suspense account.
- Giving inputs to legal team from data archival of personal loans.
- Successful in completion of light automatic project by giving more inputs to developer to frame tool as per process and to remove manual intervention.
- Giving more ideas to streamline the process to simplify workflow.
- Processing all type of Certificates for Home loan and Personal loan customers.
- Quality checking on all type of certificates & processed voucher towards loan closure.
- Resolving RMS (Request Management System) queries received through branch and phone banking.
- Voucher preparation for loan closing, loan prepayment, EMI clearance voucher, etc.
- Process migration from Mumbai to Chennai and implemented successfully.
- Monitoring suspicious transactions within the customer account.
- Also, deep dive into possible problems and investigates inconsistencies with data or with processing and take action to resolve problems.
- MIS generation of daily and monthly vouchers processed.
Customer Service Executive
GE Capital (SBI Cards)
10.2012 - 05.2013
- S2S Service to Sales of State Bank of India Credit Card.
- Handling inbound query and complaints of customers.
- Customer Retention
- Giving Accurate Resolutions to the customers
- Increasing the sales target by promoting additional products to the customer which is suitable for the customers like products (Personal loans) and services of GE.
Dy. Area Commercial Coordinator
AMC Cookware (I) Pvt. Ltd.
10.2007 - 07.2011
- Monitoring Area commercial activity
- Monitoring on inward & outward stock movement to branches
- Monitoring on collection & Banking of customer payments
- Monitoring on customer stock delivery as on date by branches
- Monitoring on overdue Administration and collection team on daily basics
- Recruitment & Training of new staffs as per internal requirements
- Monitoring & Reporting MIS about branches on daily basics
- Achievements in AMC India
- Achiever of the year 2007-2008 – AMC Cookware India Pvt Ltd.
- Achiever of the year 2009-2010 – AMC Cookware India Pvt Ltd.
- Achiever of the year 2010-2011 – AMC Cookware India Pvt Ltd.
- Promotions in AMC India
- Promoted as Deputy Area Commercial Coordinator in 2010-2011
- Promoted as Sr. Branch Commercial Officer in 2009-2010.
Education
Master of Business Administration (MBA) - Business Administration And Management
KSR College of Arts & Science
Tiruchengode, India04-2006
Bachelor of Business Administration (BBA) - Business Administration And Management
A.V.S. College of Arts And Science
Salem, India04-2004
Skills
- Anti-money laundering training
- Trained in fighting financial crime
- Social intelligence development
- Experienced in industry-standard banking practices
- Adaptable team contributor
- Knowledgeable in banking service processes
- Team management and target achievement
Personal Dossier
Language Proficiency - English, Tamil
Timeline
Assistant Manager – Regional Mortgage Support (Branch Network)
HSBC Bank India Ltd.
03.2024 - Current
Assistant Manager - Collateral Management Unit (CMU)
HSBC Bank India Ltd.
04.2018 - 03.2024
Executive CSE- A Processing (Personal Loan and Home Loan Servicing Unit)
HSBC Electronic Data Processing (India) Limited (HDPI)
05.2013 - 04.2018
Customer Service Executive
GE Capital (SBI Cards)
10.2012 - 05.2013
Dy. Area Commercial Coordinator
AMC Cookware (I) Pvt. Ltd.
10.2007 - 07.2011
Master of Business Administration (MBA) - Business Administration And Management
KSR College of Arts & Science
Bachelor of Business Administration (BBA) - Business Administration And Management
A.V.S. College of Arts And Science
Disclaimer
Date of Birth - 1983-06-14 Father Name - DHARMALINGAM A Passport No - Z6749620, Expiry date - 2032-08-22 Marital Status - Married Present Address - Plot no. 6B, Door no. F1, Sri Ranga Apartments, Thiruvalluvar 2nd Street, Adambakkam, Chennai - 600088.
Travelling, Playing Cricket
I love to travel new locations like near by districts, states and hills stations. i like to paly cricket with with friends and family members.
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