Nitesh Gholap

I am a dedicated professional with extensive 10+ years experience in Loan operations and 2+ years in KYC remediation process. My focus is on Enhancing my skills and contributing successfully to Organizational objectives. With a strong foundation in KYC compliance, loan disbursement and customer profile analysis, I adapt to changing work environments while achieving high Standards and maintaining accuracy in all tasks.

OPERATIONS EXECUTIVE – MERCHANT ONBOARDING at IDSSPL Technologies Private Limited (2026-03 – 2026-08)

• Executed comprehensive User Acceptance Testing (UAT) on a pre-launch third-party merchant onboarding platform to evaluate system stability and workflow logic.
• Utilized Advanced Excel to clean, organize, and manage high-volume mock merchant datasets used for simulating digital onboarding scenarios.
• Maintained rigorous Excel-based error logs and trackers to document technical bugs, UI/UX friction points, and processing delays.
• Partnered directly with the external software vendor's engineering team to communicate system bugs, track resolutions, and optimize platform performance.
• Evaluated vendor onboarding workflows and data entry system features against NPCI regulatory guidelines to identify compliance risks and operational gaps prior to the licensing audit phase.

CUSTOMER SERVICE – NON VOICE OPERATION(ADIB BANK) at Teleperformance Global Services India Pvt Ltd (2023-04 – 2025-05)

• Conduct in-depth reviews of client KYC documentation to identify deficiencies and ensure adherence to regulatory requirements.
• Collaborate with internal teams to gather and update client information in line with AML and CDD/EDD protocols.
• Analyze High risk accounts individual for CDD and EDD due diligence.
• Lead efforts in remediating KYC files by resolving incomplete or inaccurate information through customer outreach and document verification.
• Maintain accurate records of remediation actions and ensure timely follow-ups on outstanding documentation.
• Monitor compliance with OMNI and other relevant financial regulations to mitigate risk to the institution.
• Conduct adverse media screening on customer and company basis.

OPERATION EXECUTIVE at Manba Finance Limited (2022-12 – 2023-03)

• Responsible for disburse Personal Loans in system.
• Analysis Customer Profile as per the company norms.
• Checking of KYC Documents, Agreement, Application form for disbursements.
• Checking Loan details, Applicant details, Tenure, ROI, Charges in system.
• Preparing NOC letters and Maintaining MIS of the same.

OFFICER at Fullerton India Credit Company Limited (2016-05 – 2020-03)

• Responsible for disburse Home Loans, Personal Loans, Business Loans, Commercial Vehicle Loans, Two wheeler & Mortgage Loans.
• Analysis Customer Profile as per the company norms.
• To check all KYC documents of Borrower, Co-borrower & Guarantor.
• Verify Loan Processing fees, Application fees, Loan Tenor.
• Verify Product code, FCU report.
• Verify Cersai Charges, Cibil Report, Deal Approval.
• Verify Repayment Mode, ECS, DDM, RECS, PDC.
• Verify Sanction letter, Loan agreement, Legal Report, Valuation Report.

OFFICER at Yes Bank (2013-03 – 2016-01)

• Responsible for disburse Gold Loans.
• Setting up limit in Flexcube retail and Flexcube Corporate system for LAP & LC cases.
• Analysis Customer Profile as per the company norms.
• Checking of KYC Documents for disbursements at Post Sanction level.
• Authorization of Gold Loans for Disbursement.

BACK OFFICE EXECUTIVE at L & T Finance (Teamlease Services) (2011-01 – 2012-12)

• Analysis Customer Profile as per the company norms.
• Checking of KYC Documents for disbursements at Pre Sanction level.
• Filling the form in FINONE Software & checking OPS De-verify.
• Authorization of Loans for Disbursement.
• Handling & Maintaining Pre & Post Sanction Day to Day MIS.

EXPORT DOCUMENTATION OFFICER-CUSTOMER SERVICE at Maersk Global Services Pvt Ltd (2010-06 – 2010-08)

• Preparing Bill of Lading(B/L) as per customer requirements.
• Done Amendments copy as per customer requirements.
• Filling Export Late Fees and Amendment Fees to the customers.
• Issue Legal Bill of Lading(B/L) to the customer through the system.

CREDIT REVIEWER (PERSONAL LOANS AND BUSINESS LOANS) at Pamac Finserve Services Pvt Ltd (HDFC Bank CPA Unit) (2009-08 – 2010-06)

B.COM in MUMBAI – SIWS College(Mumbai University) (2009)

H.S.C in MUMBAI – SIWS College(Maharashtra Board) (2006)

S.S.C in MUMBAI – Sadhana Vidyalaya(Maharashtra Board) (2004)