S NOOR MOHAMED

• Company Overview: Reliance Home Finance ltd has been Sold the Company to Authum Investment & Infrastructure Limited / Home Finance Division with Employee
• Area of Handling - Madurai ,Trichy, Tirunelveli and Sivakasi Operation Since APR'23
• Updation of Receipts from Collection & customer's
• Clearance, Bounce, Representation & Representation Bounce cheques
• Reconciliation of Debits & Credit
• MODT Cancellation ( For Madurai & Trichy Customer who are all close the Loan with us)
• Pre & Post Disbursement .,
• Laon Partpayment in System
• Loan Foreclosure in System

• I am taking care of Madurai & Trichy Branch Operation Manager Since Jun'20
• Updation of Receipts from Collection & customer's
• Clearance, Bounce, Representation & Representation Bounce Report of Repayment cheques
• Reconciliation of Debits & Credit
• MODT Cancellation ( For Madurai & Trichy Customer who are all close the Loan with us)

• I am taking care of ROPS Activity of PAN INDIA files Inwards, which is after disbursement from branch's sent to us for storage
• Responsible for inwarding and checking all the files with respect to Audit Compliance, which includes ensuring all the files are disbursed as per sanction conditions and ensuring there is no revenue loss.
• Maintaining good rappo with all the branches to ensure that all the queries raised at ROPS are resolved within the timeline.
• Hygiene check to be done at Vendor place towards storage of documents.
• Handled an average of 4,300 files per month with a team size of 18, ensuring that the files are sent to storage within TAT.
• Responsible for checking the Files, & segregation of Documents and the same has been update in LMS( Finn1) ,if any discrepancy found we send the mail to branch get it resolve the query.
• I am taking care of Hand sighting team, Document scanning team and File retrieval & Storage activity Team

Achievements

• Worked towards in bringing down the Documents tracking MIS from 2960 to 300
• at 2019 concluded Securitization Audit for SBI, Piramal, India Bulls, ICICI Bank, BOB, and Indus Ind Bank, we have completed the audit without any discrepancies.
• Vendor Empaneled at chennai for Plastic Covers (Maruthi Plastics) so
• There by saving a cost of Rs 45000 Successfully identified /- per year.

• As an individually doing a own business of Hardware's shop ( Paint, wooden item, and Hardware's items)
• Developed and implemented business strategies to increase sales and profits.
• Provided exceptional customer service by responding promptly to inquiries and complaints.

• I have a team leader of South (Tamilnadu & Kerala), and it is is a New company and the Company provide a training to me only for their operation process , which I had learn and same has been given the training to others ( South operation team)
• File Logins MIS preparing, Updating the Login files in UNO System ( Application & KYC's)
• After sanction, File sent to RCU Verification, & follows with them and collects the Report.
• Generate the CIBIL Reports
• Initiate the Technical Report to panel valuer, on the same time send the field collector to visit the property verification and we match with all photo, RCU, Technical & the field collector
• At the time of login a file we have collect the copy of all document s, Same has been sent to Panel lawyer for prepare the Legal Report
• After receive the all documents i.e., (Tech, Legal, RCU) and arrange the file for disbursement
• After disbursement will do the MODT, and hand over the Disbursement cheque to customer
• To do the Awareness calling for every cycle wise to the customer for paying the EMI
• Follow up with customer for which cases are bounced & collect the EMI's accordingly
• As per customer request, will do the Cheque swapping, Part payment, and Foreclosure process
• Follows the collection executive to collect the all bounce cases, and the send the reports to H.O

• Handling the Asset branch operation manager,

1) Pre Disbursement Activity

2) File Disbursement , ( personal Loan, Car Loan, C.V Loan, SME Loan, LAP SME, HOME Loan, Loan Against Property )

3) Customer Service,

4) Banking and Cash counter Activity

Achievements

• Individually handling Operations team and doing disbursement for 3 to 10 file's per day
• For Banking 10 to 15 DRE's and Cash counter activity of Rs 200000/- per day
• And also handling walking customer & internal customers
• And I had done the cross sell for more than Rs 1Cr in one financial year

• Updation of Receipts from Collection & customer's
• Clearance, Bounce, Representation & Representation Bounce has to be update in LMS
• Reconciliation the Debits Credits
• Cash Counter activities
• I have handle the Cash more than Rs 2000000/ Per Day
• Customer Service Activity involves receiving of request from customers for deliverables, Reconciliation of statement of accounts and closure of accounts for issue of No Objection Certificate
• To collect cash from customers
• To arrange NOC's for Matured, Foreclosure Loans, Repo Sold and Repo released Cases...
• To co-ordinate customer requests with Central Operations and Local Operations
• Arrange the TDS Claim Refunds to customers
• File disbursement for Auto, C.V , SME, Personal Loan, Home Loan, Loan Against property., etc.

• I am the Team Leader of OPERATIONS Team to drive the team for managing Customer Service & Banking activities pertaining to the Retails Asset Division of ICICI Bank Ltd
• Regional FPR for Foreclosure on Hold: Made NIL cases in Foreclosure on Hold for entire Tamilnadu Region
• Regional FPR for Charge Code error resolving: Through this role, i have resolved all charge code error due to technical and software bug
• For this achievement I have received many appreciations from Superiors

• Repayment Management Team- Receipts Updation team as a Team Leader
• Updpation of all types of Receipts in customer ledger
• (It includes - PDC Auto Debit , ECS, DAS, and Direct Receipts of the customer.)
• Preparation of Receipts MIS
• Dues Vs Upload Recon
• Solving queries of Delinquency team and Bank Reconciliation team Coordinating with branches to take the confirmation of rec a specific month