Sunny Yadav
Senior Banking Professional
Thane
Summary
Visionary Banking Operations Executive with 17+ years of leadership driving operational excellence, digital transformation, and scalable financial systems. Expert in streamlining processes, enhancing compliance, and leading high-performing teams in fast-paced, high-volume environments. Proven track record of re-engineering core operations, integrating Fin-Tech innovations, and delivering agile, customer-focused solutions through cross-functional collaboration.
Overview
18
18
years of professional experience
2
2
Languages
Work History
Vice- President
Sumitomo Mitsui Financial Group (SMFG)
Mumbai
04.2023 - Current
- Lead 20-member team overseeing end-to-end reconciliation for Disbursements, Collections, Treasury, and Expenses, managing ~15 lakh daily transactions across 38 Bank Accounts for SMICC and SMHFC.
- Strengthen internal controls to enable early fraud detection, achieving zero financial loss.
- Digitize customer payment collections, reducing unreconciled cash/cheque entries to negligible levels.
- Design and implement a new enterprise-wide reconciliation system, automating reporting and audit compliance.
- Partner cross-functionally with Finance, Risk, Treasury, and Product teams to embed reconciliation controls in all new product rollouts.
- Leveraged technology to automate workflows and streamline processes, resulting in increased productivity and cost savings across the organization.
Deputy Vice President - Banking Operations
Poonawalla Fincorp
Pune
02.2022 - 03.2023
- Heading Banking & Collection Operations for Retail Assets Portfolio; whereby leading team of 18 employees managing Repayment Management, Receipt/Payment Application (Collection Operations) and Fund Reconciliation process for 4 Business i.e. Unsecured, Mortgage, Pre-Owned Car and Digital business.
- Responsible for developing & managing strategic alliances with Banks, Fin-Techs and Technology providers; and defining strategies & roadmap for payment related solutions.
- Responsible for leading and driving changes in processes, which impacts TAT (reduction), Automation and digitalization.
- Spearheaded organizational restructuring initiatives, streamlining operations and reducing overhead costs.
Vertical Manager - Operations
Aditya Birla Finance Ltd
Mumbai
12.2017 - 02.2022
- Leading Central Processing Unit (Operations) for Retail Assets Portfolio, with a team size of 31 employees, managing Repayment Management, Loan Servicing, Receipt Management, Insurance Operations and REG Reporting (to Credit Bureau & CERSAI).
- Have successfully implemented 6 projects in collaboration with various channel/service partners at ABFL through automations /RPA which lead to increased efficiency with absolute control on the Financial & Operational Risk.
- Part of Core team responsible for implementation of system/applications used for Customer Onboarding/ Management, Repayment Management, Fund Reconciliation, Vendor Management, Omni Data Platform (ODP) and KYC Management
Senior Manager - Operations
Aeries Financial Technology, BHANIX INVESTMENT (CASHe)
Mumbai
11.2016 - 12.2017
- Part of core founding team in Operations Team, responsible for defining robust Operation process flow and system controls.
- Have closely worked with leadership team to strategize and identify new product opportunities.
- Liaised with multiple stakeholders across teams to evaluate, prioritize needs to suit the business context – Growth, Payments, Scalability and Efficiency.
- Have successfully worked on implementation end-to-end Digital customer on-boarding process on tablets / mobile device for FOS teams.
- Part of core team responsible for reviewing asset performance sourced by various business Partners.
Senior Manager - Business Banking Operations
HDFC Bank Ltd
Mumbai
04.2016 - 11.2016
- Managing Business Banking Operations for Mumbai Location.
- Regular review of business lines/credit exposure for LOC/Business Banking Customer.
- Managing team responsible for Property Document Indexing and Vaulting process.
- Setting-up dedicated OPS Query desk for HNI/Corporate clients for better Customer Experience / support.
Manager – Operations
Fullerton India Credit Ltd.
Mumbai
02.2014 - 04.2016
- Lead Loan Servicing Unit for Retail Asset Business; with a team size of 51 employees.
- Spearhead improvement projects related to Repayment Capability, Loan Closure, Refund process with an objective to reduce the processing TAT, increase in collection and operations efficiency; this resulted in overall decrease in customer TAT by complaint by 92% in 3 months.
- Managed Incentive payout process for Pan-India collection vendor and team.
- Managed Reconciliation Process related to Disbursements, Repayment and Refunds.
- Responsible for System migration from inhouse system to new age banking system i.e. BRMM to Finnone and OMNI to IC4 (Indus) for collection receipt & monitoring.
- Established Controls (Systemic or Manual) to mitigate Risks on account of Process defined/ Processing Errors, Technology risk & Business Continuity.
- Execute process Re-engineering techniques to remove the non-value adds to transform processes and bring in cost, time and quality efficiencies.
Manager - Retail Asset Operations
Ratnakar Bank Ltd (RBL)
Mumbai
04.2012 - 01.2014
- Setting-up and managing Retail Assets Process for Pan- India Branches/RPC.
- Lead Project team for migration of portfolio from Royal Bank of Scotland's (RBS) Mortgage portfolio to Ratnakar Bank Ltd (RBL).
- Setting-up NOC (National Operating centre) & RPCs (Regional Processing Centre) in Mumbai, New Delhi, Kolhapur, Bangalore, Pune and Chennai.
- Managing team of 18 employees responsible for centralized portfolio management and Servicing i.e. Repayment Management and Closures.
- Handling a part of ICU (Internal Control Unit) with a main objective of analysis & implementation of controls related to Operation risk.
- Setting-up Insurance Process with 3 different Insurance Partners, related to remittance of Insurance Premium, Policy Issuance and cancellation.
Assistant Manager - Retail Asset Operations
Barclays Finance
Mumbai
07.2010 - 04.2012
- Co-ordinate for timely arrangement of funds for Barclays Finance by liaising with Barclays Capital, preparation of MIS to support funding analysis for the purpose of reconciliation, responsible for monthly settlement of payments with Barclays Capital & preparation of reports to support the same.
- To suggest for functionalities in the software, and also preparation of BRD, bugs testing and User Access Test (UAT) for new functionalities.
- Lead two regions i.e. West Operations and South Operation with a team of 15 FTE's responsible for Unsecured and LAP (Loan against Property) Loan Disbursement including Insurance processing.
- Managed loan cancellation and Foreclosure process for Pan India branches.
- Managed RMU (Record Management Unit) Process for West Zone.
Assistant Manager - Operations
CalibeHR & SPARSH BPO SERVICES (FOR BARCLAYS FINANCE)
Mumbai
06.2007 - 07.2010
- Managed a team of 25 FTC's responsible for end –to-end Loan Disbursement Process ranging from Disbursement Process, OTC/PDD Tracking and Payment Release process.
- Managed Insurance process and Record Management Unit (RMU) for West & South Zone.
- Meeting SLA metrics for all severities; working on severity issues by analyzing on improvement areas & monitoring critical operational parameter.
- Handled a team with responsible for PDC Storage and PDC Banking.
- Managed Outbound calling process for newly onboarded Customer.
Education
Senior Executive Development Programme -
Institute of Rural Management Anand (IRMA)
Gujarat 04.2001 -
MBA - Finance
Narsee Monjee Institute Of Management Studies
Mumbai 04.2001 -
Bachelor of Management Studies (BMS) - Finance
Chetana H.S. College (University of Mumbai)
Mumbai08-2007
Skills
- Leadership in Operational Strategy
- Digital Banking Solutions
- Workflow Re-Engineering and Automation
- Customer Journey Management
- Bank Reconciliation
- Insurance Operations Management
- Cross-Departmental Team Leadership
- Fintech Partnerships
Websites
Accomplishments
Aditya Birla Finance Ltd:
- Best Project Award for Digitalization of Payment Modes in 2020, Exceptional Manager Award in 2020
- Young Achiever in 2019,
- Achiever of the Quarter Award in 2019,
- Certificate of Appreciation for Exceptional Contribution from Reliance General Insurance in 2018 for setting up Insurance Operations in Aditya Birla Finance
Ratnakar Bank Ltd
- Young Turk in 2013
Barclays Finance
- Achiever of the Year in 2012
Timeline
Vice- President
Sumitomo Mitsui Financial Group (SMFG)
04.2023 - Current
Deputy Vice President - Banking Operations
Poonawalla Fincorp
02.2022 - 03.2023
Vertical Manager - Operations
Aditya Birla Finance Ltd
12.2017 - 02.2022
Senior Manager - Operations
Aeries Financial Technology, BHANIX INVESTMENT (CASHe)
11.2016 - 12.2017
Senior Manager - Business Banking Operations
HDFC Bank Ltd
04.2016 - 11.2016
Manager – Operations
Fullerton India Credit Ltd.
02.2014 - 04.2016
Manager - Retail Asset Operations
Ratnakar Bank Ltd (RBL)
04.2012 - 01.2014
Assistant Manager - Retail Asset Operations
Barclays Finance
07.2010 - 04.2012
Assistant Manager - Operations
CalibeHR & SPARSH BPO SERVICES (FOR BARCLAYS FINANCE)
06.2007 - 07.2010
Senior Executive Development Programme -
Institute of Rural Management Anand (IRMA)
04.2001 -
MBA - Finance
Narsee Monjee Institute Of Management Studies
04.2001 -
Bachelor of Management Studies (BMS) - Finance
Chetana H.S. College (University of Mumbai)