Summary
Overview
Work History
Education
Skills
Accomplishments
Additional Information
Interests
Timeline
OfficeManager
Sushant Khot

Sushant Khot

Credit Underwriter, Product Manager, Operations Manager And Business Analyst In Housing FInance
Flat No A 102, Utsav Homes, Bavdhan, Pune

Summary

  • 10 years of experience in Housing Finance and I have work as Credit Underwriter, Product Manager, Operations Manager and Business analyst with current employer.
  • Worked as Portfolio manager and Personal Relationship manager with previous employers.
  • Worked with departments like Front line Operations, Business Development, Credit Hub and IT Hub
  • Currently handling team of 40 sales staff who help us to source business

Overview

10
10
years of professional experience
17
17
years of post-secondary education
3
3
Languages

Work History

Assistant Manager

HDFC LTD
Pune and Solapur
11.2014 - Current
  • Position is based out of Central Operations and to support processing of Home Loans and lead team
  • The processing of home loans would include support at various stages of the loan life cycle such as; Credit Approval, Pre-disbursal, Post-disbursal, Document Security management, Closure & release of security
  • Home Loan processing from approval to disbursal to perfection of security
  • Act as trainer undertake domain training, including responsibility to keep procedures / SOPs up to date
  • Prepare, support and present production MIs to Ops Head, Business Head & stakeholders as may be required from time to time
  • Relationship management and liaison with all legal, technical, internal & external stakeholders (Agencies / Vendors) to ensure smooth flow of Operations
  • Support DSA & Stakeholders, the Ops Head, with product, process, may direct as & technology changes (including new products / projects)
  • Role is to understand entire process of of Retail Home Loan processing and team management
  • Ensure the procedures and SOPs are created & maintained in line with the Credit Policy and other internal guidelines
  • Ensure all internal reports are prepared in line with requirements and agreed process
  • Identify any process risks and proactively bring them to notice of Ops Head
  • Raise any technical issues identified to IT & Ops Head, immediately
  • Work with Ops Head in creating / implementing risk mitigation actions for operation supported
  • Ensure compliance with all internal policy & audit requirements (including Credit / Technical / Legal / Compliance / Operational, etc)
  • Verifications are initiated and tracked for receipt (CERSAI)
  • All post disbursal and service related requests are handled in line with procedures
  • Possess good knowledge of ROI, PF, LCR, IIR, FOIR & LTV (exposure)
  • Possess good knowledge of Legal and technical department
  • Possess good knowledge of Credit Underwriting
  • Possess good knowledge of documentation of project approvals
  • CIBIL report generation & CERSAI handling
  • Managed end-to-end mortgage business of DSA/ BSA channel for 8 years
  • Resolved various TAT issues in processes of mortgage loans
  • Performed Training sessions regarding Products & Policy for channels, new Recruits & colleagues
  • Carried out expansion of territory & product acceptance for mortgage loan through suggestions to the product team and actions on field

Relationship Manager

Money Fort Financial Services Pvt. Ltd
Pune and Aurangabad
10.2012 - 11.2014
  • Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.
  • Strengthened merchandising and promotional strategies to drive customer engagement and boost sales.
  • Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service.
  • Strengthened operational efficiency to remain cost-effective while maintaining quality service.
  • I have handled Portfolio for almost 40 individual customers
  • Part of job was Acquisition of customer for portfolio management
  • Revenue generation through selling products like Life Insurance, Mutual Fund
  • Dealing with commodity segment to generate revenue for organization
  • Handling all operations for organization like accounts and administration
  • Generate revenue as DSA in loan proposals

Customer Service Officer

ICICI BANK Ltd
Pune
05.2012 - 07.2012
  • Used to handle day to day routine retail banking transactions for customers like account statements, refunds requests , helping customer in KYC and credit documents to open savings or current account or credit card
  • Worked as Teller in Cash Management system
  • Used to do gold valuation and Gold Loan Disbursements
  • Used to do Agricultural land valuation and Term Loan disbursement by calculating yield of land based on crops
  • Cross selling of products like Life Insurance and gold coins was major part of tenure in ICICI bank.
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
  • Offered basic technical support for clients on wide range of company products.
  • Communicated with clients regarding account services, statements, and balances.
  • Responded to customer calls and emails to answer questions about products and services.
  • Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
  • Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions.

Education

Post Graduate Diploma in Banking And Finance -

IFBI
Pune
05.2011 - 04.2012

Bachelor of Science - Information Technology

MGM College
Aurangabad
06.2007 - 04.2011

HSC -

Maharashtra State Board
Aurangabad
04.2004 - 04.2006

SSC -

Maharashtra State Board
Aurangabad
04.1994 - 04.2004

V-A: Mutual Fund Distributors Certification Examination -

NISM
Pune
12.2011 - 01.2012

NSDL-Depository Operations Module -

NISM
Pune
01.2012 - 02.2012

Skills

    MS Office

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Accomplishments

  • Technical and Behavioral training for nine months By IFBI for ICICI BANK Ltd. (Aug 2011 to May 2012)
  • I have done Landmark Forum for Personality Development
  • Branch Banking Simulator for ICICI BANK, Ltd with 100%

Additional Information

Reasons to hire me :

  • Multi tasker
  • Really fast ones I got to know the system
  • Very professional when it comes to work
  • Good with HNI customers
  • Very productive and true believer in process implementation
  • Fast decision maker
  • Problem solver. (My team can always rely on me for solution)

Interests

I love Photography specially portrait photography

I enjoy my time watching movies because it’s my stress buster

I do travel a lot with my family and sometimes with my friends

Timeline

Assistant Manager

HDFC LTD
11.2014 - Current

Relationship Manager

Money Fort Financial Services Pvt. Ltd
10.2012 - 11.2014

Customer Service Officer

ICICI BANK Ltd
05.2012 - 07.2012

NSDL-Depository Operations Module -

NISM
01.2012 - 02.2012

V-A: Mutual Fund Distributors Certification Examination -

NISM
12.2011 - 01.2012

Post Graduate Diploma in Banking And Finance -

IFBI
05.2011 - 04.2012

Bachelor of Science - Information Technology

MGM College
06.2007 - 04.2011

HSC -

Maharashtra State Board
04.2004 - 04.2006

SSC -

Maharashtra State Board
04.1994 - 04.2004

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Sushant KhotCredit Underwriter, Product Manager, Operations Manager And Business Analyst In Housing FInance