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
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