Saurabh Thakre

Experience

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  HDFC Bank

  Jan 2015 - May 2016

  Credit Administrator
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  Hinduja Leyland Finance

  Jun 2016 - Feb 2019

  Credit incharge

   Appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning, ensuring compliance with organizational credit policies.  Overseeing the comprehensive study of client creditworthiness during the process of sanctioning credit to corporate / individuals through Primary and Secondary Researches.  Supervising Data Verification and Field Investigation activities with a view to obtain accurate information to assess the creditworthiness of the clients. Making collection of Post Disbursal documents.  Driving steps of escalating the process of disbursement with accuracy based & fast turnaround time.  Generating MIS reports to update the top management about business performance.  Working as the chains between the Top Management & the Subordinates. Show less

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  Muthoot Housing Finance Company Limited

  Feb 2019 - Sept 2021

  Senior Operations Officer

  Actively involved in the Back Office Activities like, proposal punching in Kastle, Client Account, NACH Process with ENACH Registration, Reconciliation, File Quality, RCU - Technical – Legal fire, Final Disbursement and Audit Query’s Resolution, Banking MIS Preparation, etc.  Involved in coordination with all Credit, Collection, operations, Sale’s, and back-office functions.  Complying and meeting with the Sales team for Quality of Login, Disbursement, Cheque Handover, OTC/PDD work with a vision and focus to achieve the best.  Coordinating the entire sanction to disbursement process with Local Risk-Credit-Ops team  Driving steps of escalating the process of NHB/CLSS with accuracy based & fast turnaround time. Show less

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  Aadhar Housing Finance Ltd.

  Oct 2021 - Apr 2023

  Branch Operations Manager

  All Cash and Cheque Payment received till previous day are handed over to CMS/Deposited in Bank, also cheque and Cash reconciliation done and clearance status updated in system per CMS bank statement.  Entries of all receipts (Collection & Direct Customer) are updated in system PF / CERSAI, EMI, PEMI, Part Payment, Foreclosure, FD etc.  CRF for all queries /Requests/ Complaints received during the day are logged in Branch Service Tracker & Resolved within TAT  NACH & PDC Details for all cases disbursed are updated in system and dispatched to COPS on the same day.  Dockets of all Closure cases (Foreclosed / Matured) received for COPS are handed over to the customer and acknowledgement taken form the customer.  All Exhausted Receipt Books received form collections team are checked properly and dispatched to COPS.  Products processed for disbursement Home Loan, Mortgages, Construction Loan, etc.  Streamlined sanctioning and disbursement processes-both pre and post, through introduction of techniques and systems to improve TAT of activates and to ensure accuracy in data capturing and presentations.  Collecting and tracking of the post disbursal documents and the OTC/PDD documents.  Handling Credit Function Customer Financial Eligibility, Legal & technical evaluation & financial analysis of Home Loans cases.  Analysis of self-portfolio, manage sanction TAT, login Sanction & Disbursement ratio, Delinquency, non-starter cases, Audit query and rectification.  Activities like, proposal moved to 3I After Check Required Documents, File Quality, FCU – FI - Technical – Legal fire, & Tracking, Final Disbursement and Audit Query’s Resolution, Agreement Drafting Checking As per Policy, Banking MIS Preparation, etc.  Prepare the Disbursement booked the case through Checker maker process as standard operating process verify, Legal Report, Technical Report, CERSAI, PMAY docs for disbursement process. Show less

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  PNB Housing Finance Limited

  Apr 2023 - now

  Regional Operation Manager

  Leading Regional Ops and Branch Ops Team for HL,LAP Operations activities Maintaining Branch Operations Work, Handling of Files Login to Disbursement, Post Disbursement work, Branch Banking, Customer Care, Administration, File & Docket Recon,PDD & OTC Clearance Disbursement Cheque Printing & Handvoer, Compliances, Branch Audit & Visit, Ops Training Legal & Technical checking Branch & Region MIS etc.