Suresh Babu S

• Manage end-to-end loan disbursal processes for auto, and business loans.
• Ensure timely and accurate disbursement of approved applications as per regulatory and organizational policies.
• Monitor daily disbursal transactions, accounting, and reconciliation.
• Implement disbursal controls to minimize financial and operational risks.
• Coordinate with credit and legal teams for documentation and pre-disbursal checks.
• Maintain MIS reports, trackers, and exception reports to senior management.

• Analyzed liabilities, credit history, employment, and income to recommend credit limits.
• Ensured compliance with RBI regulations and internal credit policies.
• Identified fraudulent applications and initiated corrective actions.
• Reviewed income documents, conducted verifications, and finalized decisions on credit approvals.

• Managed the end-to-end onboarding journey for new card customers across digital and physical channels.
• Coordinated with sales, credit, and operations teams for documentation and KYC verification.
• Streamlined onboarding workflows to improve turnaround time (TAT) and first-time-right (FTR) ratios.
• Monitored approval rates, activation ratios, and vendor manpower based on sales projections.
• Raised cases with risk teams for deviation approvals and ensured BAU continuity

• Manage all Swift messages (incoming and outgoing), and process payments (MT101, 103, 110, 202cov, 900, 910, 940).

• MX messages handled. PACS and PAINS are sent to the next layer of the payment and receive the CAMT.056 for the cancel request. Handled SWIFT, RTGS, and internal payments.

• Translation from MT to MX messages.
• Worked on the channels, Financial.

• Customer submits requests with required documents: application form, bank statement, PAN, Form 15CA/15CB (if applicable).
• Verify against RBI guidelines and FEMA regulations.
• Report high-value or suspicious transactions to the compliance team.
• Maintain audit trail for all repatriation and account maintenance activities.