Karan Veer
Disbursement Initiation Team Leader (Punjab & Himachal Pradesh)
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About
Result-driven and highly efficient Operations Team Leader with 4 years of experience specializing in high-volume vehicle loan disbursement operations. Proven track record of managing a 14-member backend operations team and successfully processing 700 to 800 loan disbursement files monthly across a multi-state territory (Punjab & Himachal Pradesh). Expert in verifying complex auto-loan documentation, optimizing process Turnaround Time (TAT), enforcing absolute KYC/RTO compliance, and driving seamless cross-functional branch coordination to clear audits with zero discrepancies.
Experience
Disbursement Initiation Team Leader (Punjab & Himachal Pradesh) - SK Finance Ltd - Jalandhar, Punjab
(2022-12)
- Team Leadership & Scale: Spearhead a high-performing 14-member team of operations analysts and executives, directly overseeing the end-to-end disbursement workflow for 700 to 800 vehicle loan files per month.
- Regional Asset Management: Manage centralized operations and branch documentation pipelines simultaneously across two major states (Punjab and Himachal Pradesh).
- Documentation & Compliance Verification: Enforce strict validation protocols for necessary financial records, sale approvals, and RTO approvals to guarantee 100% accuracy before fund releases.
- Multi-Mode Fund Disbursal: Execute flawless multi-party fund routing (via Cheque, NEFT, and JV) securely to Applicants, Co-applicants, Dealers, and verified Third Parties.
- Quality Assurance & Audit Ownership: Champion data integrity metrics with a laser focus on First-Time-Right (FTR) files to systematically minimize Files-Not-Right (FNR), successfully resolving all Loan Management System (LMS) queries and clearing rigorous internal audits.
- Cross-Functional Coordination: Act as the primary escalation link between regional sales branches, credit risk evaluation teams, and underwriting units to smooth out document discrepancies.
Education
Bachelor of Arts (BA) - DAV College, Jalandhar (2020)
Class XII (P.S.E.B.) - Sr. Sec. School, Baghela, Jalandhar (2017)
Class X (P.S.E.B.) - Sr. Sec. School, Baghela, Jalandhar (2015)
