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.
