S.S.Rajasekar

Work Profile:

Centralized Disbursement :

• Handling the all kind of disbursement activities.
• Responsible for implementing and managing of disbursal operation process for all SL and IL loan (secured and Unsecured) at branches in the state – AP & TG as per Standard Operating Procedures.
• Verifying the scan files as checking customer KYC, Credit approval memo, verification reports, Agreements, PDC's etc. for all the secured and unsecured products like EL and EIL.
• If any queries found informing the same to concern sales team and branch ops team.
• Post resolution rechecking and authorization completion in the systems
• Verifying the original property documents, legal opinion, OV report, MODT with receipts, In case of BT closure letter, NOC.
• Adhering to the policies and process as per the timely change.
• Sending MIS daily, weekly and monthly.
• Maintains the TAT in percent in all kind of operational activities.
• Contribute in organization profit goals.
• Maintains Good audit score in external and internal audit.
• Conducting the process training to all employees ( Sales & Credit & Ops Team ) on monthly basis and sending the minutes meeting to HO.
• Every quarter visited to the vendor palaces for audit ( Storage & Legal & Technical vendors ).
• Ensuring CERSAI creation for all Mortgages loans and ROC Charge creation and removal.
• Ensuring that all queries are responded back to customer within TAT from the time of receipt.
• Ensured timely resolution of Loan Closures, Part Payments, Repayment mode changes for Loan accounts, Excess amount refunds, Waivers and any modifications or updations with regard the Loan information.
• Ensured timely reverts on Queries/Complaints/Escalations related to Loan accounts.
• Manage team issues and escalations and ensure immediate closure.
• Escalate any unresolved issues to management as required and stated in Escalation Matrix.
• To focus on productivity and achieve efficiency levels as desired by senior management.
• Ensure Authority level matrix is followed for high valued transactions.
• Deposition of PDC on respective Cycle dates.
• To manage post disbursal documents updating and post disbursement servicing to internal and external customers.
• Ensured timely resolution of technical discrepancies if any in ECS and Other repayment modes within given TAT.

Operations & Disbursements:

• Proper MCP check is done for all the product files
• Checking sufficient reports like, FI, TVR, RIC, ROC, LEGAL & TECHNICAL reports, MODTD registration receipts with credit approval mails, DISBURSAL MEMO are available in file for at the time of authorization.
• Post disbursement ensuring the payments has been credited to customer account by the way of UTR number receiving and cheque payments for BT cases.

Process and Policy Compliance & Fraud Control:

• Monitor and ensure process and policy adherence at the branch across all levels in line with the guidelines / policy that are rolled out from time to time.
• Completion and correctness of customer files.
• High audit scores by reducing error rates while delivering on the policy and process requirements.
• Proper reporting of branch defects / non compliance
• Upfront screening / RCU activities

Work Profile:

Centralized Disbursement :

• Handling the all kind of disbursement activities.
• Responsible for implementing and managing of disbursal operation process for all SL and IL loan (secured and Unsecured) at branches in the state – TN as per Standard Operating Procedures.
• Verifying the scan files as checking customer KYC, Credit approval memo, verification reports, Agreements, PDC's etc. for all the secured and unsecured products like EL and EIL.
• If any queries found informing the same to concern sales team and branch ops team.
• Post resolution rechecking and authorization completion in the systems
• Verifying the original property documents, legal opinion, OV report, MODT with receipts, In case of BT closure letter, NOC.
• Adhering to the policies and process as per the timely change.
• Sending MIS daily, weekly and monthly.
• Maintains the TAT in percent in all kind of operational activities.
• Contribute in organization profit goals.
• Maintains Good audit score in external and internal audit.
• Conducting the process training to all employees ( Sales & Credit & Ops Team ) on monthly basis and sending the minutes meeting to HO.
• Every quarter visited to the vendor palaces for audit ( Storage & Legal & Technical vendors ).
• Ensuring CERSAI creation for all Mortgages loans and ROC Charge creation and removal.
• Ensuring that all queries are responded back to customer within TAT from the time of receipt.
• Ensured timely resolution of Loan Closures, Part Payments, Repayment mode changes for Loan accounts, Excess amount refunds, Waivers and any modifications or updations with regard the Loan information.
• Ensured timely reverts on Queries/Complaints/Escalations related to Loan accounts.
• Manage team issues and escalations and ensure immediate closure.
• Escalate any unresolved issues to management as required and stated in Escalation Matrix.
• To focus on productivity and achieve efficiency levels as desired by senior management.
• Ensure Authority level matrix is followed for high valued transactions.
• Deposition of PDC on respective Cycle dates.
• To manage post disbursal documents updating and post disbursement servicing to internal and external customers.
• Ensured timely resolution of technical discrepancies if any in ECS and Other repayment modes within given TAT.

Operations & Disbursements:

• Proper MCP check is done for all the product files
• Checking sufficient reports like, FI, TVR, RIC, ROC, LEGAL & TECHNICAL reports, MODTD registration receipts with credit approval mails, DISBURSAL MEMO are available in file for at the time of authorization.
• Post disbursement ensuring the payments has been credited to customer account by the way of UTR number receiving and cheque payments for BT cases.

Process and Policy Compliance & Fraud Control:

• Monitor and ensure process and policy adherence at the branch across all levels in line with the guidelines / policy that are rolled out from time to time.
• Completion and correctness of customer files.
• High audit scores by reducing error rates while delivering on the policy and process requirements.
• Proper reporting of branch defects / non compliance.
• Upfront screening / RCU activities.

Work Profile:

Centralized Disbursement :

• Handling the all kind of centralized disbursement activities.
• Verifying the scan files as checking customer KYC, Credit approval memo, verification reports, Agreements, PDC's etc. for all the secured and unsecured products like PL,BL,AL,CV,CE,CL,UCL,UCV,UCE,LAP,HL.
• If any queries found informing the same to concern vendor and branch ops team.
• Post resolution rechecking and authorization completion in the systems.
• Verifying the original property documents, legal opinion, OV report, MODT with receipts, In case of BT closure letter, NOC.
• Adhering to the policies and process as per the timely change.
• Sending MIS daily, weekly and monthly.
• Maintains the TAT in cent percent in all kind of operational activities.
• Contribute in organization profit goals Operations & Disbursements Proper MCP check is done for all the product files.
• Checking sufficient reports like, FI, TVR, RIC, ROC, LEGAL & TECHNICAL reports, MODTD registration receipts with credit approval mails, DISBURSAL MEMO are available in file for at the time of authorization.
• Post disbursement ensuring the payments has been credited to customer account by the way of UTR number receiving and cheque payments for BT cases Process and Policy Compliance & Fraud Control.
• Monitor and ensure process and policy adherence at the branch across all levels in line with the guidelines / policy that are rolled out from time to time.
• Completion and correctness of customer files.
• High audit scores by reducing error rates while delivering on the policy and process requirements.
• Proper reporting of branch defects / non compliance.
• Upfront screening / RCU activities.

Co -Lending:

• Handling the all kind of direct assignment activities.
• Verifying the scan files as checking customer KYC, Credit approval memo, verification reports, Agreements, PDC's etc. for all the secured and unsecured products like PL,BL,AL,CV,CE,CL,UCL,UCV,UCE,LAP,HL.
• If any queries found informing the same to concern organization ops team.
• Post resolution rechecking and approved.
• Verifying the original property documents, legal opinion, OV report, MODT with receipts, In case of BT closure letter, NOC.
• Adhering to the policies and process as per the timely change.
• Sending MIS daily, weekly and monthly.
• Maintains the TAT percent in all kind of DA activities.
• Contribute in organization profit goals.

Operations & Disbursements:

• Proper MCP check is done for all the product physical or scan files.
• Checking sufficient reports like, FI, TVR, RIC, ROC, LEGAL & TECHNICAL reports, MODTD registration receipts with credit approval mails, DISBURSAL MEMO are available in file for at the time of approve the case.

Process and Policy Compliance & Fraud Control:

• Monitor and ensure process and policy adherence at the branch across all levels in line with the guidelines / policy that are rolled out from time to time.
• Completion and correctness of customer files.
• High audit scores by reducing error rates while delivering on the policy and process requirements.
• Proper reporting of branch defects / non compliance.
• Upfront screening / RCU activities.

Work Profile:

• Handling the branch end to end in all kind of operational activities.
• Verifying the physical files as checking customer KYC, Credit approval memo, verification reports, Agreements, PDC's etc. for all the secured and unsecured products like EL,EIL SIL,MEL.
• If any queries found informing the same to concern team sales and credit.
• Post resolution updating the details in systems, completion of disbursement process and dispatching the files to crown.
• Verifying the original property documents, legal opinion, OV report, MODT with receipts, In case of BT closure letter, NOC.
• Adhering to the policies and process as per the timely change.
• Sending MIS daily, weekly and monthly.
• Maintains the TAT in cent percent in all kind of operational activities.
• Contribute in branch profit goals.

Operations & Disbursements:

• Proper MCP check is done for all the product files.
• Checking sufficient reports like, FI, TVR, RIC, ROC, LEGAL & TECHNICAL reports, MODTD registration receipts with credit approval mails, are available in file and preparing DISBURSAL MEMO.
• Post disbursement ensuring the payments has been credited to customer account by the way of UTR number receiving and cheque payments for BT cases.

Process and Policy Compliance & Fraud Control:

• Monitor and ensure process and policy adherence at the branch across all levels in line with the guidelines / policy that are rolled out from time to time.
• Completion and correctness of customer files.
• High audit scores by reducing error rates while delivering on the policy and process requirements.
• Proper reporting of branch defects / non compliance.
• Upfront screening / RCU activities.

Customer Service & Complaints Management :

• Handle & resolved all customer queries & complaints.
• Track all complaints & initiate corrective action, where required.
• Coordinated with central ops for foreclosure / account statements / PDC swaps etc.

Branch Administration & Branch Costs Management & Control:

• Manage branch all administration / maintenance activities.
• Tightly manage branch all costs & continuously find opportunities to reduce costs

Work Profile :

• Handling the branch end to end in all kind of operational activities.
• Verifying the physical files as checking customer KYC, Credit approval memo, verification reports, Agreements, PDC's etc. for all the secured and unsecured products like LAP, EBL, PLI, PL, UCL, LAG & CREDIT CARD.
• If any queries found informing the same to concern team sales and credit.
• Post resolution updating the details in systems, completion of disbursement process and dispatching the files to COPS team
• Verifying the original property documents, legal opinion, OV report, MODTD with receipts, In case of BT closure letter, NOC and dispatching the same to COPS.
• Adhering to the policies and process as per the timely change.
• Sending MIS daily, weekly and monthly.
• Marinating the TAT in cent percent in all kind of operational activities.
• Contribute in branch profit goals.

Branch Operations & Disbursements:

• Proper MCP check is done for all the product files.
• Checking sufficient reports like, FI, TVR, RIC, ROC, LEGAL & TECHNICAL reports, MODT registration receipts with credit approval mails, are available in file and preparing DISBURSAL MEMO.
• Post disbursement ensuring the payments has been credited to customer account by the way of UTR number receiving and cheque payments for BT cases.

Process and Policy Compliance & Fraud Control:

• Monitor and ensure process and policy adherence at the branch across all levels in line with the guidelines / policy that are rolled out from time to time.
• Completion and correctness of customer files.
• High audit scores by reducing error rates while delivering on the policy and process requirements.
• Audit champion for past two and half year continuously.
• Proper reporting of branch defects / non compliance.
• Upfront screening / RCU activities.

Customer Service & Complaints Management :

• Handle & resolved all customer queries & complaints.
• Track all complaints & initiate corrective action, where required.
• Coordinated with central ops for foreclosure / account statements / PDC swaps etc.

Branch Administration & Branch Costs Management & Control:

• Manage branch all administration / maintenance activities.
• Tightly manage branch all costs & continuously find opportunities to reduce costs.

Work Profile:

• Handled the branch and entire team in Gold loan process.
• Had entire branch team in control by the way of doing good business and volumes by achieving the targets and making profits to the branch.
• Marinating the branch entries on daily basis.
• Handled the customers in all the products like Gold loan, Home loan, Medical equipment loan, Loans against property, Mutual funds, Fixed deposits, Life insurance and Money transfer Process.
• Marinating the branch team to complete the day to day activity effectively end ensuring the TAT is achieved in all kind of process.
• Preparing daily & monthly MIS Reports.
• Adhering to the policy and process and giving training to the branch team to the timely change of policy and process.
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Work Profile :

• Gold loan processing.
• Branch Accounting.