Summary
Overview
Work History
Education
Skills
Accomplishments
Websites
Contacts
Timeline
Generic
Yashodhan Joshi

Yashodhan Joshi

Mumbai

Summary

I am a seasoned professional with 20 years of expertise in Loan Administration, Customer Service and Portfolio Management. I excel in new business acquisition and managing Retail Asset Operations, with proven skills in strategic planning, process implementation, and achieving mission-critical targets. My experience includes leading high-impact initiatives and enhancing operational efficiency through innovative solutions.

Overview

23
23
years of professional experience

Work History

Regional Operations Manager - Branch Operation and Central Operation

Muthoot Finance Limited
07.2024 - Current
  • Leading Branch Operation and Central Operation for PAN India branches for LAP product.
  • Playing a comprehensive role in setting up processes and systems in collaboration with Sales, Credit, Product and System Support team for branch operations and central operations.
  • Managing various compliance, risk and Board MIS's and reporting.
  • Spearheaded the preparation and execution of a major RBI audit, coordinating internal departments to meet strict regulatory deadlines

Assistant Vice President and Unit Manager – Loan Servicing

IDFC First Bank Ltd
07.2022 - 07.2024
  • Orchestrated central operational processing for key Loan Servicing activities, such as Foreclosure, Cancellation, and Part-Payment.
  • Collaborated with cross-functional teams to enhance process performance, liaising with Customer Service Management, Internal Audit, Operations Risk Management, and Product teams.
  • Spearheaded process re-engineering initiatives for Central Ops processes, including BRDs, UD Validations, and UATs for Finnone functionalities.
  • Pioneered automation of various processes through Robotic Process Automation, playing a vital role as a Subject Matter Expert for Loan Servicing.
  • Managed the timely and accurate submission of monthly and quarterly regulatory reports to the RBI, ensuring full compliance with current directive.

Partner

The Loan Company
03.2013 - 06.2022
  • Conducted comprehensive assessment of clients' financial portfolios, including investments, asset allocation, savings, tax planning, and real estate strategies.
  • Developed strategic financial plans, establishing forecasts and goals for high net-worth individuals (HNIs) and non-resident Indians (NRIs).
  • Successfully managed portfolio for HNI and NRI clients, delivering tailored solutions.
  • Engaged as a speaker in prestigious events, sharing insights on topics like effective fundraising, investment strategies, and mutual fund utilization.

Assistant Vice President and National Head – Front End Operations

Karvy Financial Services Limited
02.2012 - 02.2013
  • Oversaw Disbursement Operations, Collection Operations, and Customer Service for Retail Asset products across India.
  • Introduced and implemented Cash Management System (CMS), reducing transition risk, cost, and man-hours.
  • Standardized Operating Processes for loan and fee-based products, improving TAT and quality.
  • Successfully outsourced handling and storage of critical documents, enhancing overall efficiency and organization.
  • Handled RBI audit and compliance effectively ensuring total compliance

Assistant Vice President and Regional Head – Operations - West Zone

Indiabulls Financial Services Limited
06.2007 - 02.2012
  • Led Disbursement Operations, Collection Operations, and Customer Service for Retail Asset products across the Western region.
  • Played a key role in comprehensive system development in collaboration with Product, Business, and IT teams.
  • Contributed significantly to setting up operations for PAN India locations in terms of processes, compliance, and service excellence.
  • Participated in a Train the Trainer program.

Deputy Manager and Product Operations in Charge

HDFC Bank Ltd
08.2006 - 06.2007
  • Managed Disbursement Operations and Customer Service for Retail Asset products in Mumbai Zone.
  • Revived SOPs for a specific product, adopted by branches nationwide.
  • Centralized operations for improved end-to-end TAT.

Senior Officer and Branch Operations Manager – Retail Asset

ICICI Bank Ltd
12.2004 - 08.2006
  • Successfully managed Disbursement Operations for a variety of Retail Asset Products.
  • Achieved top ratings, audits, compliance, and branch excellence awards.
  • Actively contributed to 5S committee initiatives.

Associate and Team Leader - New Business - CPU

SBI Life Insurance Company Limited
03.2003 - 12.2004
  • Managed new business operations in a central processing unit.
  • Played a pivotal role in setting up processes and their rollouts.

Education

B.Sc -

Wilson College, Mumbai University
Mumbai
03.1998

Skills

Strategic Planning

Proficient in strategic planning and execution across financial operations

Customer Service Excellence

Excellent customer service skills and experience in managing client relations

Process Optimization and Automation

Expert in process optimization and automation to enhance operational efficiency

Regulatory Knowledge

Demonstrate a deep understanding of RBI's circulars, guidelines, and regulatory frameworks governing banks

Accomplishments

  • Robotic Process Automation Projects - IDFC FIRST Bank Ltd, Nominated for Robotic Process Automation projects demonstrating my ability to drive efficiency and innovation
  • Operations Awards - Indiabulls Financial Services Limited, Recipient of various Operations Awards and CEO Excellence Award recognizing my contributions to operational excellence
  • Best Retail Asset Branch of the year award winner - ICICI Bank Limited
  • MD Award winner - Operation Excellence - SBI Life Insurance

Websites

Contacts

91-9892096669, yashodhanjoshi18@gmail.com

Timeline

Regional Operations Manager - Branch Operation and Central Operation

Muthoot Finance Limited
07.2024 - Current

Assistant Vice President and Unit Manager – Loan Servicing

IDFC First Bank Ltd
07.2022 - 07.2024

Partner

The Loan Company
03.2013 - 06.2022

Assistant Vice President and National Head – Front End Operations

Karvy Financial Services Limited
02.2012 - 02.2013

Assistant Vice President and Regional Head – Operations - West Zone

Indiabulls Financial Services Limited
06.2007 - 02.2012

Deputy Manager and Product Operations in Charge

HDFC Bank Ltd
08.2006 - 06.2007

Senior Officer and Branch Operations Manager – Retail Asset

ICICI Bank Ltd
12.2004 - 08.2006

Associate and Team Leader - New Business - CPU

SBI Life Insurance Company Limited
03.2003 - 12.2004

B.Sc -

Wilson College, Mumbai University

Similar Profiles

CREATE PROFILE
Yashodhan Joshi