Ladi Vijay Bhargav

Experience

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  Axis Bank Ltd

  Dec 2013 - Sept 2016

  Assistant Manager Operations- Rural Lending

  1. 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. 2. 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.3. Led initiation of account openings, facilitated disbursements, and efficiently addressed irregularities flagged by audit teams, ensuring streamlined processes and compliance.4. Collaborated seamlessly with Sales and Credit teams, fostering synergy for optimized operational efficiency.5. 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.6. Demonstrated proficiency in utilizing system-related packages including Finacle, Finnone, and LOS, enhancing operational effectiveness.7. Possess a comprehensive understanding of KYC requirements for individuals and entities, ensuring adherence to regulatory standards. Show less

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  Kotak Mahindra Bank

  Sept 2016 - Jul 2017

  Deputy Manager: Team Member-Operations

  1. Spearheaded hub operations for Agri Lending Products including KCC, overseeing end-to-end processes.2. Directed comprehensive activities encompassing loan document preparation, meticulous scrutiny, account initiation, disbursement coordination, and centralized team follow-up.3. Conducted thorough KYC screenings, collaborating with the Risk Control Unit to document customer information and ensure compliance.4. Orchestrated disbursement processes, including NDC compliant with KYC norms, precise system data entry, SPDC management, dispatch procedures, data maintenance, and document retention.5. Managed vendor invoicing and ensured punctual payment settlement, optimizing financial operations.6. Established seamless coordination with government-appointed insurance firms, facilitating comprehensive insurance coverage such as PMFBY for borrowers.7. Proficiently managed system-related platforms including Finacle and I Works, ensuring streamlined and efficient operations. Show less

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  IndusInd Bank

  Sept 2017 - Jan 2020

  Manager - Hub Ops - KCC

  1. Orchestrating and overseeing hub operations for Agri Lending Products, notably KCC, ensuring seamless functionality, along with a team of 1 members2. 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.3. Conducting comprehensive KYC screenings on clients, methodically documenting obtained information in collaboration with the Risk Control Unit team.4. 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.5. Adeptly managing vendor invoices, assuring punctual payments, and fostering robust financial stewardship.6. Collaborating closely with government-designated insurance firms to facilitate seamless coverage of insurance schemes (PMFBY) for borrowers.7. Proficiently navigating System Related Packages, specifically Finacle and I Works, streamlining operational procedures and enhancing overall efficiency. Show less

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  IDFC FIRST Bank

  Jan 2020 - Jul 2023

  Manager- Hub Ops - HL & LAP

  1. Overseeing Hub operations for Rural Mortgage loans, including affordable HL & LAP, across 25 Branches in Andhra Pradesh, along with a team of 3 members2. Conducting meticulous property paper verification in conjunction with legal reports.3. Thoroughly scrutinizing pre-sanction data inputs, executing DVU, and initiating disbursements via Sales Force & FinnOne.4. Managing Fund Transfers and DD/PO issuance through FinnOne, ensuring alignment with Branch Operations.5. Maintaining comprehensive MIS, overseeing Deferrals, PDD closure, and proactively tracking and coordinating with sales, credit, and central teams.6. Ensuring up-to-date knowledge of circulars and bank policies, resulting in impeccable and compliant work delivery.7. Effectively addressing audit inquiries while ensuring adherence to compliance standards.8. Playing a pivotal role in training Sales/Credit teams to enhance First Time Resolution (FTR) rates and managing a cohesive team.9. Ensuring punctual dispatch of disbursed files to RMU, streamlining operational processes. Show less

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  Bandhan Bank

  Aug 2023 - now

  Sr Manager - Corporate Banking Operations

  1. Acting as location manager for Agri Loans (KCC) & Business Banking across 25 Branches in Andhra Pradesh & Telangana2. Thoroughly scrutinizing pre-sanction data inputs, preparing post sanction documentation, initiating account opening and coordinating with CPU team for disbursements3. Preparing pre-disbursement note and obtain approval for disbursements from CBO/Head-Credit delivery/CTMC/CTSU/MC Head4. Conducting meticulous property paper verification in conjunction with legal reports.5. 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)6. Updation of CERSAI registration wherever required7. Managing Fund Transfers and DD/PO issuance through CBS, ensuring alignment with Branch Operations.8. Populate/Update data such as insurance, CERSAI, Valuation, Collateral details etc., in CBS9. Ensure safe keeping of security documents/records as per extant instructions in cases parked at CBO units.10. Obtain of all required certifications/legal opinion for all cases through distant handling mechanism.11. Follow-up, update and ensure compliance for pending security cases12. Compliance of credit & inspection audit13. Preparation and submission of MIS and other reports as per extant of guidelines Show less