Prasandh T

Finance professional with 3.6+ years of progressive experience in gold loan operations, compliance management and financial accounting. Expert in RBI regulations, KYC procedures, cash management and BRS preparation. Proven ability to manage end-to-end loan processes while maintaining regulatory compliance and operational excellence.

Gold Loan Executive - HDB Financial Services Limited - Thrissur, Kerala

(2024-01)

• Appraised gold & disbursed ₹45-50 Lakhs monthly with NIL audit variance since Q2 2026
• Managed 90+ customers/month for new loans, part-payments, closures, and auction support
• Ensured 100% RBI compliance in KYC, purity verification, vault ops, and documentation procedures to minimize fraud risk
• Handled single Q1 2026 process deviation, implemented corrective action with 100% accuracy post-training
• Trained 2 new executives on HDB appraisal process and gold loan software

Assistant Branch Head - Manappuram Finance Ltd - Thrissur, Kerala

(2022-10 - 2023-10)

• Managed gold department workflow and valuation process using DOT NET platform, prepared daily position books and financial reports
• Processed loan disbursements, repayments, and cash counter operations, performed computerized accounting and daily BRS preparation
• Administered KYC process, money transfer operations, and customer account management; resolved customer queries on loan processes and valuations

Account Executive - Grand Bajaj Motors - Palghat, Kerala

(2021-01 - 2021-10)

• Reconciled daily cash and credit sales against bank deposits, managed accounts receivable and customer financing documentation
• Prepared journal entries, P&L statements, and balance sheets, conducted inventory valuation using Tally, computed and remitted GST

Bachelor of Commerce - Cooperation - Calicut University (2017-06 - 2021-03)