SHIVAM SURENDRA PANDEY
Mumbai
Summary
Results-driven finance professional with 4.5 years of experience in credit operations, loan processing, and financial documentation across banking and NBFC sectors. Proven expertise in handling end-to-end credit lifecycle, including application verification, credit assessment support, disbursement coordination, and compliance monitoring. Strong understanding of personal and retail loan products, credit underwriting policies, and regulatory guidelines (KYC/AML). Skilled in using core banking systems (e.g., LOS, LMS, Finacle) and proficient in Excel-based reporting and MIS generation. Recognized for accuracy, process efficiency, and cross-functional coordination with credit, sales, and risk teams to maintain low error rates and high TAT adherence.
Overview
5
5
years of professional experience
Work History
Deputy Manager
DCB BANK LTD
Mumbai
07.2023 - Current
- Maintain accurate and up-to-date records of all active loan accounts in the system.
- Monitor repayment schedules, due dates, and handle payment-related queries.
- Provide post-disbursement support including account statements, interest certificates, and change requests (e.g., EMI dates, account mandates).
- Address and resolve customer service issues related to servicing in coordination with other departments.
- Contact customers who indicate intent to pre-close or transfer their loans.
- Analyze customer reasons and offer appropriate retention strategies (e.g., rate revisions, tenure adjustments, top-up offers).
- Coordinate with credit and sales teams to negotiate and implement retention plans.
- Track and report retention success rates and reasons for drop-offs.
- Process foreclosure requests from customers within defined TAT (Turnaround Time).
- Generate accurate foreclosure statements including principal outstanding, interest, penalties, and applicable charges.
- Ensure customer communication regarding foreclosure terms, refund/adjustment policies, and documentation requirements.
- Liaise with legal or recovery teams when foreclosure is due to delinquency or default.
- Ensure all processes comply with internal policies, regulatory guidelines, and fair practices code.
- Maintain detailed documentation and audit trail of all retention and foreclosure interactions.
- Support audits by providing timely and complete information.
- Prepare regular reports on foreclosure volumes, retention success rates, customer feedback, and servicing KPIs.
- Flag early warning signals for potential attrition or delinquency to credit and risk teams.
Financial Co-rdinator
ATHENA BPO PVT LTD
02.2021 - 05.2023
- Perform initial checks on PL applications received from sales/branches/online channels.
- Verify completeness of application forms, KYC documents, income proofs, and credit reports.
- Flag discrepancies or missing information to sales/credit teams for resolution.
- Input customer and loan details accurately into the loan origination system (LOS).
- Update status of applications, document receipt, and verification progress in real time.
- Tag and upload scanned documents to the system as per checklist.
- Liaise with credit analysts for clarifications or additional documentation needs.
- Coordinate with sales officers to obtain missing information or rework cases.
- Support credit managers in prioritizing urgent or high-ticket applications.
- Ensure all entries and documents are in line with internal policies, regulatory norms (KYC, AML), and audit requirements.
- Conduct maker-checker validation where applicable.
- Escalate any suspicious or fraudulent application patterns to the risk/compliance team.
- Maintain daily trackers for applications processed, pending, rejected, and approved.
- Support periodic audits by preparing and submitting required documentation.
- Assist in preparing TAT and productivity reports for internal review.
Education
Associate of Applied Finance And Investment - Finance And Investment
IIM Kashipur
Kashipur Uttarakhand08-2025
BCOM -
Mumbai University
01.2022
SYJC -
Maharashtra state board secondary & Higher secondary education
Pune01.2019
SSC -
Maharashtra state board secondary & Higher secondary education
Pune01.2017
Skills
- Knowledge of personal loan products, credit processes, and underwriting basics
- High attention to detail and data accuracy
- Good organizational and time management skills
- Ability to multitask and handle pressure during peak volumes
- Working knowledge of LOS, LMS, and Microsoft Office tools (Excel, Outlook)
Languages
English ,Hindi & Marathi
Hobbies and Interests
Watching movies, photography, Cycling , singing and exploring a new places.
Awards
Recognised in RNR in 2022 as consistent performer for the month of October , November and December.
Disclaimer
I hereby inform you that the above mentioned information is true to best of my knowledge. Place :- Mumbai, India. Date :- ____________________ SHIVAM PANDEY.
Accomplishments
- Awarded in Spotlight for Baby Bloomer in year FY 2024 -25.
- Multiple time Rewarded for target acheiver title.
- Got falicitated in RNR for Q4 highest acheiver in scorecards
Languages
English
First Language
Hindi
Proficient (C2)
C2
Marathi
Intermediate (B1)
B1
Timeline
Deputy Manager
DCB BANK LTD
07.2023 - Current
Financial Co-rdinator
ATHENA BPO PVT LTD
02.2021 - 05.2023
Associate of Applied Finance And Investment - Finance And Investment
IIM Kashipur
BCOM -
Mumbai University
SYJC -
Maharashtra state board secondary & Higher secondary education
SSC -
Maharashtra state board secondary & Higher secondary education
Similar Profiles
Jahabaj MallickJahabaj Mallick
Senior Sales Officer at DCB BANK LTDSenior Sales Officer at DCB BANK LTD
Niketa GajjarNiketa Gajjar
Deputy Manager at DCB Bank LtdDeputy Manager at DCB Bank Ltd
SHWETA YADAVSHWETA YADAV
Deputy Branch Manager at DCB BANK LTDDeputy Branch Manager at DCB BANK LTD
Prerana JadhavPrerana Jadhav
Software Development Senior Analyst at AccentureSoftware Development Senior Analyst at Accenture
Akshay MuthalAkshay Muthal
Video Editor at Mobile Media Pvt LtdVideo Editor at Mobile Media Pvt Ltd