Disha Kappe

Results-driven Finance and Operations Professional with over 3 years of progressive experience within prominent Non-Banking Financial Companies (NBFCs) and housing finance institutions. Comprehensive expertise across retail lending operations, including mortgage processing, home loan balance transfers, risk mitigation, asset retention, and rigorous document verification. Proven track record of enhancing operational efficiency, maintaining seamless coordination between cross-functional credit and sales business units, and ensuring top-tier regulatory compliance and customer satisfaction.

Operations Associate at Poonawalla Fincorp Ltd. (2025-01 – Present)

• Synchronize comprehensive retail lending operations and front-end sales pipelines to optimize daily workflow efficiency.
• Provide strategic operational support to front-line sales forces to consistently drive the achievement of monthly business volume targets.
• Liaise systematically with underwriting, credit, and operations teams to streamline post-sanction documentation and accelerate disbursement TAT.
• Manage execution of credit agreements, customer documentation validations, and institutional compliance standards with zero-error rates.

Operations Associate at Bajaj Housing Finance Ltd. (2023-01 – 2024-12)

• Spearheaded critical home loan asset retention portfolios and high-value balance transfer (BT) case processing framework setups.
• Oversaw end-to-end customer onboarding documentation, rigorous asset-legal verification checks, and final verification metrics.
• Coordinated aggressively with secondary market lenders, financial aggregators, and internal stakeholders for seamless execution of balance transfers.
• Delivered dedicated lifecycle management and resolving specialized complaints to boost client retention metrics by eliminating procedural bottlenecks.

Sales Executive at Bajaj Housing Finance Ltd. (2022-02 – 2023-01)

• Identified, structured, and closed profitable home loan balance transfer opportunities within regional retail markets.
• Analyzed client credit profiles proactively to present viable and customized financial loan retention solutions, successfully protecting the active asset book.
• Reviewed legal property titles, financial statements, and application packages to guarantee full structural compliance with credit policy guidelines.
• Built and nurtured trust-based, long-term relationships with retail clientele to generate ongoing referral pipelines.

M.Com – Savitribai Phule Pune University (2024)

B.Com – Savitribai Phule Pune University (2022)

HSC – Savitribai Phule Pune University (2019)