Sachin Shinde

Experience

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  CENTURION BANK OF PUNJAB LTD.

  Mar 2004 - Jul 2008

  Cr. Officer - Retails Asset TW-Loan

  Cr. Officer – Retails Asset TW-Loan | Reporting to the Regional Operation Manager from Feb’08 – Jul’08 - Fulfilled responsibilities of retail loans of approx. 1,100 customers: two wheeler, CE/CV including screening customers’ profiles, KYC’s, Income Doc, Banking, etc- Undertook decisions pertaining to cases that can be moved ahead for final disbursement or rejectionOperations Officer – Retails Asset Operations from Nov’06 – Jan’08- Responsible for disbursement, banking & reconciliation and final auditing of all products for Mumbai region within Loan management system (LMS) FINNONE - Oracle Based, LMS worth 6-10 croreBack Office Executive – TW Loan Sales Back Office from Mar’04 – Oct’ 06- Created weekly/monthly MIS reports, processed salaries/vendors payment, handled disbursement of incentives to market and monitored/maintained Post Disbursement Documents (PDD) of a each financed vehicle- Interacted with CBoP representatives for various compliances & monitored records of all trade advances given to the 2 wheeler dealers Show less

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  HDFC Bank

  Jul 2008 - Jan 2010

  Asst. Manager - Retails Asset Operations

  Solely responsible for disbursement, banking & reconciliation of all products: two wheelers, three wheelers, CV, CE, Personal Loan and Upsell worth 15 crore for Mumbai region in Loan Management System (LMS) FINNONE - Oracle Based, Finacle & LOS.Managed a team of 11 members and handled approx 1,500 customer/collection queries for commercial vehicle (CV), construction equipment (CE), three wheeler & car including issuing of NOC’s for outstation and local customer’s for two wheelers.Resolved queries such as Preparation of Termination Statement including closure and collection support for the entire product.Conducted bank activities such as issuing ECS, SI & PDC on due dates, preparing reconciliation statements, passing bounce entries received from RSC & updating to the collection department for the non starters, daily banking of cheques & cash collected from collections as well as maintaining general ledgers & files for audit.Solved SI/ECS issues using LMS (FINNONE) System such as rescheduling, prepayment and additional disbursement. Show less

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  Religare Finvest Limited (SME Loans)

  Jan 2010 - Dec 2010

  Deputy Manager - Retails Asset Dept. (Commercial Vehicle & Construction Equipment Loans)

  Responsible for disbursement, banking & reconciliation and final auditing of all products for Mumbai region within Loan management system (LMS) FINNONE - Oracle Based, LMS worth 9-10 Crs.Managed the customer flow of 250-300/month including 40% corporate clients as well as handled/tracked related queries/complaints within Mumbai region.Created new MIS format and linked it with many formats to reduce TAT for disbursement. The same is circulated PAN India as an significant improvement.Invented new tracker for collection receipt to track any fraudulent/miss-outs.Prepared a new customer service tracker (Package) in Microsoft Access to track various customer requests/resolutions/generations of reports as per requirement by just clicking a single button. Show less

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  L&T Finance

  Dec 2010 - Jan 2016

  Regional Operation In-charge: Home Loans

  Regional Operation In-charge - Home Loans | Reporting to the Regional Operation Manager Feb’14 – Present - Set-up and managed a hub for Western India comprising Maharashtra, Goa, MP and Gujarat for entire credit operations including reconciliation for collections.- Managing a team of 4 associates while handling home loans disbursement of over 70 crore within Mumbai and over 150 crore/monthly across western region.- Handling vendor finance for all post disbursement activity from last 3 months.Branch Operation In-charge – Credit Operations | Reporting to the Team Manager Feb’13 – Feb’14- Responsible for entire operations, due diligence, disbursements, analysis and MIS reporting along with new initiatives for Login/Disbursement & Legal/Technical as well as for Post Disbursal documents (PDD).- Conducted audit and disbursed various files for home loan, loan against property & other mortgage products as per proper KYC, agreement/PDC and original mortgage document as defined by lawyer.- Played a vital role in conducting pre/post sanction audits with final disbursement in LOS system.- Screening and updating customers’ profiles including original property document systematically in the system as per loan eligibility.Operation Executive – Centralized Disbursement Team | Reporting to the Team Manager Dec’10 – Feb’ 13- Managed a team of 6 members while establishing the new centralized storage of disbursement documents along with post disbursement related activity such as fulfilling the requirement of legal/NOC /collection team requirements.- Fulfilled the assigned duties of Operational Audit for Disbursement, Banking & Reconciliation of all Products PAN India in Loan management system (LMS) FINNONE - Oracle Based, LMS.- Responsible for team of 35 members while managing Centralized Disbursement of Tractor/Commercial Vehicle & Construction Equipment Files/Auto Loans – for disbursement in FINNONE system. Show less

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  Kotak Mahindra Bank

  May 2019 - now

  • Asst. Vice President

    May 2024 - now

  • Project Manager

    Jan 2016 - now

  • Senior Manager

    May 2019 - May 2024