Kailash Suthar

Banking and Financial Services professional with 8+ years of experience in Co-Lending Operations, Portfolio Management, Reconciliation, Product Management, Audit Coordination, and Process Automation. Proven track record of managing large lending portfolios, driving operational excellence, implementing process improvements, and ensuring regulatory compliance across Banking, NBFC, and Fintech environments. Skilled in stakeholder management, partner relationship management, MIS reporting, and automation using Power Query.

Manager – Co-Lending Operations & AML Operations at SBFC Finance Ltd. (2024-08 – Present)

• Direct a ₹1,200+ Crore Co-Lending Portfolio across multiple high-value banking and NBFC partnerships.
• Govern end-to-end post-disbursal operational workflows, managing the entire lifecycle until final loan closure.
• Serve as the primary operational liaison between internal stakeholders and external institutional partners.
• Build and maintain critical MIS reports and portfolio review decks.
• Enforce strict alignment with RBI regulations, master partner agreements, and internal service level agreements (SLAs).
• Mitigate partner escalations and engineered process improvements to enhance operational efficiency.
• Conduct branch and system cash reconciliations and monitor unreconciled items.
• Consolidate and prepare RBI-KYC quarterly data submissions.
• Conduct transaction monitoring and alert investigations to identify suspicious activities and potential financial crime risks.
• Perform detailed triage analysis and case reviews in accordance with AML policies and regulatory requirements.
• Collaborate with business, compliance, and risk teams to ensure adherence to AML regulations and internal controls.
• Support audits, compliance reviews, and regulatory inspections through accurate documentation and reporting.
• Assist in preparation and filing of Suspicious Transaction Reports (STRs) and AML-related regulatory reporting.
• Maintain AML documentation, investigation records, and audit-ready compliance evidence.

Manager at ASBS & Co. (2021-11 – 2024-08)

Manager – Product & Operations (Client: AJVA Fintech Pvt. Ltd. – eMSME) at ASBS & Co. (2024-02 – 2024-08)

• Spearheaded product development initiatives, authoring Functional Specification Documents (FSDs) for tech feature implementation.
• Managed CRM systems, lead automation configurations, sales order management, and database governance.
• Collaborated with engineering teams to deploy production releases, managing change controls and issue resolution.

Operations Core at ASBS & Co. (2023-06 – 2024-01)

• Governed core business activities and productivity metrics for an operations team of 450+ employees.
• Enhanced operational controls, reporting mechanisms, and process adherence across the floor.

Deputy Manager at ASBS & Co. (2021-11 – 2023-05)

• Successfully executed 12+ Pool Buyout transaction aggregating multi-crore loan portfolio.
• Validated and resolved portfolio Control account discrepancies exceeding ₹2,000 Crore using Finacle-based system audits of ICICI HFC.
• Handled daily operations for Tractor Loan and Agricultural Finance portfolios via Loan Origination Systems (LOS).
• Automated complex payout calculations and partner financial reconciliations using advanced Power Query.
• Resolved 3000+ loan account discrepancies through detailed portfolio audits and reconciliations.

Article Assistant at Prem Chand Jain & Co. (2018-09 – 2021-10)

• Executed high-volume financial reconciliations, certifications, and accounting tasks for BFSI sector clients.
• Constructed Bank Reconciliation Statements (BRS) for Fixed Deposits, Gold Loans, and Expense Accounts of ICICI HFC.
• Audited and verified integration reconciliations between core Fixed Deposit systems and SAP platforms.
• Handled securitization-related back-office operations and cross-border Forex Card reconciliation projects.

Executive at R. Jangir & Co. (2017-09 – 2018-08)

• Prepared and filed statutory GST returns and Individual Income Tax Returns (ITR) for corporate and retail clients.
• Maintained end-to-end books of accounts, ledgers, and financial records using Tally ERP.

Bachelor of Commerce in Commerce – Lovely Professional University (2018)