Ramya Naik

Banking professional with 4+ years of experience in loan processing, document verification, credit coordination, MIS reporting and cross-functional coordination, and knowledge of SAP MM (Materials Management) concepts on SAP S/4HANA, including material master, vendor master, purchase requisition, quotation, purchase order, goods receipt, invoice, inventory and MRP. Seeking an SAP MM role in India where accuracy, process discipline and coordination skills can be applied.

Relationship Officer - Mashreq Bank - Remote (India)

(2026-06)

• Handle personal loan applications (new loan, buyout, top-up) from application to disbursement.
• Verify customer documents such as salary certificate, bank statements, Emirates ID and passport for accuracy and completeness.
• Evaluate eligibility based on salary, DBR/DSR, existing liabilities, credit profile and bank policy.
• Coordinate with internal teams for processing, verification, approval and disbursement.
• Follow up on pending documents and provide timely status updates.
• Process applications in line with bank policies and regulatory requirements; maintain accurate records and data confidentiality.

Assistant Manager - Bajaj Housing Finance Ltd

(2025-09 - 2026-02)

• Scrutinised KYC, income proofs, bank statements and property documents.
• Ensured loan files were complete, accurate and compliant before submission.
• Coordinated with credit, legal and technical teams for smooth processing.
• Tracked cases from login to sanction to disbursement; contributed to reduction of Turn Around Time (TAT).
• Prepared credit appraisal notes and highlighted risks and policy deviations to senior management.
• Monitored daily login, sanction and disbursement MIS and reported performance to Branch Manager / Area Manager.

Assistant Manager - HDFC Bank Ltd - Bangalore

(2023-03 - 2025-08)

• Managed high-volume customer interactions through the Sprinklr dialer, handling an average of ~3000 customers per quarter.
• Resolved customer queries and complaints with a focus on first-call resolution.
• Maintained compliance with internal quality and communication benchmarks.
• Tools used: Sprinklr (CRM), Flexcube, CBCI, Tableau, ISAC.

FDA cum Computer Operator - Bureau Shivmogga Private Limited - Karwar

(2018-12 - 2022-04)

• Handled data entry, record maintenance and document processing.
• Supported daily operations through computer-based reporting and coordination.

Bachelor of Science - CBZ - Gokhale Centenary College, Ankola (2015 - 2018)

PUC - Science - Government PU College, Ankola (2013 - 2015)

SSLC - Vidyadana Samiti Girls High School, Gadag (2012 - 2013)