Summary
Overview
Work History
Education
Skills
Software
Languages
Certification
Timeline
AdministrativeAssistant

Vijay Bhargav Ladi

Retail Asset Operations Manager

Summary

Seasoned Retail Asset Operations professional with over 10.8 years of banking experience in managing diverse loan portfolios, including Mortgage, SME, Agri, and Business Banking. Proven ability to streamline operations, ensure compliance, and drive business growth. Demonstrated expertise in loan processing, documentation, disbursement, and risk management. Seeking a challenging role to leverage my skills and contribute to organizational success.

Overview

12
12
years of professional experience
2
2
Certifications

Work History

Accounts Manager - Agri Loans

Bandhan Bank Ltd
08.2023 - Current
  • Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
  • Acting as location manager for Agri Loans (Crop Loans, TL, Working Capital) across 25 Branches in Andhra Pradesh & Telangana
  • Thoroughly scrutinizing pre-sanction data inputs, preparing post sanction documentation, initiating account opening and coordinating with CPU team for disbursements
  • Preparing pre-disbursement note and obtain approval for disbursements from CBO/Head-Credit delivery/CTMC/CTSU/MC Head
  • Conducting meticulous property paper verification in conjunction with legal reports.
  • Obtain and scrutinize the stock/receivable statement and arrive at the DP which should be updated in system (All NTB cases, enhancement, change in margin or cover period, reduction)
  • Updation of CERSAI registration wherever required
  • Managing Fund Transfers and DD/PO issuance through CBS, ensuring alignment with Branch Operations.
  • Populate/Update data such as insurance, CERSAI, Valuation, Collateral details etc., in CBS
  • Ensure safe keeping of security documents/records as per extant instructions in cases parked at CBO units.
  • Obtain of all required certifications/legal opinion for all cases through distant handling mechanism.
  • Follow-up with stakeholders, update and ensure compliance for pending security cases
  • Compliance of credit & inspection audit
  • Preparation and submission of MIS and other reports as per extant of guidelines
  • Coordinating with SLBC officials and ensuring the data submission as per the requirement

Hub Operations Manager

IDFC First Bank Ltd
01.2020 - 07.2023
  • Overseeing Hub operations for Affordable Mortgage Loans (HL & LAP) across 25 Branches in Andhra Pradesh, along with a team of 3 members
  • Conducting meticulous property paper verification in conjunction with legal reports.
  • Thoroughly scrutinizing pre-sanction data inputs, post sanction documents, executing DVU, and initiating disbursements via Sales Force & FinnOne.
  • Managing Fund Transfers and DD/PO issuance through FinnOne, ensuring alignment with Branch Operations.
  • Maintaining comprehensive MIS, overseeing Deferrals, PDD closure, and proactively tracking
  • and coordinating with sales, credit, and central teams.
  • Ensuring up-to-date knowledge of circulars and bank policies, resulting in impeccable and compliant work delivery.
  • Effectively addressing audit inquiries while ensuring adherence to compliance standards.
  • Playing a pivotal role in training Sales/Credit teams to enhance First Time Resolution (FTR) rates and managing a cohesive team.
  • Oversaw the hiring, onboarding, and training of new employees, fostering a team-oriented work culture.
  • Ensuring punctual dispatch of disbursed files to RMU, streamlining operational processes.

Hub Operation Manager

IndusInd Bank Ltd
09.2017 - 01.2020
  • Orchestrating and overseeing hub operations for Agri Lending Products, notably KCC, ensuring seamless functionality, along with a team of 1 members
  • Spearheading end-to-end activities, including meticulous loan document preparation, thorough scrutiny, efficient account opening, prompt disbursement initiation, and persistent follow-up with centralized teams.
  • Conducting comprehensive KYC screenings on clients, methodically documenting obtained information in collaboration with the Risk Control Unit team.
  • Executing disbursement tasks encompassing NDC with full adherence to KYC norms, precise system data entry, meticulous SPDC procedures, efficient dispatch processes, data upkeep, and streamlined document retention protocols.
  • Adeptly managing vendor invoices, assuring punctual payments, and fostering robust financial stewardship.
  • Collaborating closely with government-designated insurance firms to facilitate seamless coverage of insurance schemes (PMFBY) for borrowers.
  • Proficiently navigating System Related Packages, specifically Finacle and I Works, streamlining operational procedures and enhancing overall efficiency.

Team Member - Operations

Kotak Mahindra Bank Ltd
09.2016 - 07.2017
  • Spearheaded hub operations for Agri Working Capital, SME & Business Banking Loans, overseeing end-to-end processes.
  • Verifying the post sanction documentation part, setting the limits in CIF level and ensuring the account opening. Processing the disbursements thereafter.
  • Directed comprehensive activities encompassing loan document preparation, meticulous scrutiny, account initiation, disbursement coordination, and centralized team follow-up.
  • Conducted thorough KYC screenings, collaborating with the Risk Control Unit to document customer information and ensure compliance.
  • Orchestrated disbursement processes, including NDC compliant with KYC norms, precise system data entry, SPDC management, dispatch procedures, data maintenance, and document retention.
  • Managed vendor invoicing and ensured punctual payment settlement, optimizing financial operations.
  • Established seamless coordination with government-appointed insurance firms, facilitating comprehensive insurance coverage such as PMFBY for borrowers.
  • Proficiently managed system-related platforms including Finacle and GLEMS, ensuring streamlined and efficient operations.
  • PDD & Deferrals tracking in system and ensure the closure of the same
  • Contributed to team success by completing jobs quickly and accurately.
  • Learned all required tasks quickly to maximize performance.
  • Contributed to a positive work environment by consistently demonstrating professionalism, adaptability, and strong interpersonal skills.

Area Operations Officer - Rural Lending

Axis Bank Ltd
11.2013 - 09.2016
  • Managed the Retail Rural Finance Portfolio's agri business hub operations as the Area Operations Officer, overseeing a team of 4 members, and reporting to the Area Operations Manager. Handled diverse loans such as Loans against FD, CC, Term Loan, Farmer Financing, and Commodity Finance.
  • Orchestrated end-to-end operational activities for sanctioned facilities, encompassing documentation review and maintenance, disbursement oversight, legal and technical report verification, and execution of facility documents with meticulous attention to security creation.
  • Led initiation of account openings, facilitated disbursements, and efficiently addressed irregularities flagged by audit teams, ensuring streamlined processes and compliance.
  • Collaborated seamlessly with Sales and Credit teams, fostering synergy for optimized operational efficiency.
  • Oversaw post-sanction functions, encompassing credit disbursement, debt recovery, customer and exposure monitoring, portfolio management, securities insurance, stock statement updates, and account renewal reviews in coordination with the sales team.
  • Demonstrated proficiency in utilizing system-related packages including Finacle, Finnone, and LOS, enhancing operational effectiveness.
  • Possess a comprehensive understanding of KYC requirements for individuals and entities, ensuring adherence to regulatory standards.

Engineer

ABIR Infrastructure Pvt Ltd
06.2012 - 11.2013
  • Established strong working relationships with clients through exceptional communication skills, fostering trust and collaboration.
  • Achieved successful project outcomes by maintaining accurate documentation and meeting strict deadlines.
  • Developed positive working relationships with stakeholders to effectively coordinate work activities.
  • Presented technical findings to stakeholders, ensuring clear understanding of project status and goals.
  • Erection, planning, monitoring and controlling site activities.
  • Control on site activities for erection progress and resolving site discrepancy reports with engineering.
  • Coordinating with Procurement department for shortage/ damage report for area of work.
  • Coordination with site store for management of various materials associated with area of work.

Education

B. Tech - Mechanical Engineering

GMR Institute of Technology
Srikakulam, India
04.2001 -

Intermediate - MPC

Narayana Jr. College
Visakhapatnam, India
04.2001 -

High School - All Subjects

Gayathri Model And Primary High School
Visakhapatnam, India
04.2001 -

Skills

Documentation & Disbursements

Software

Finacle

FinnOne

SFDC (Salesforce)

Flexcube

Office 365

Languages

Telugu
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)
Hindi
Advanced (C1)

Certification

Certificate in AML & KYC from IIBF

Timeline

Accounts Manager - Agri Loans

Bandhan Bank Ltd
08.2023 - Current

Hub Operations Manager

IDFC First Bank Ltd
01.2020 - 07.2023

Hub Operation Manager

IndusInd Bank Ltd
09.2017 - 01.2020

Team Member - Operations

Kotak Mahindra Bank Ltd
09.2016 - 07.2017

Area Operations Officer - Rural Lending

Axis Bank Ltd
11.2013 - 09.2016

Engineer

ABIR Infrastructure Pvt Ltd
06.2012 - 11.2013

B. Tech - Mechanical Engineering

GMR Institute of Technology
04.2001 -

Intermediate - MPC

Narayana Jr. College
04.2001 -

High School - All Subjects

Gayathri Model And Primary High School
04.2001 -

Similar Profiles

CREATE PROFILE
Vijay Bhargav LadiRetail Asset Operations Manager