Sarvesh Kumar

Accomplished Central Operations Leader with 14+ years of high-impact experience directing credit administration, multi-crore retail asset disbursals, and strict regulatory compliance for leading financial institutions. Combines an advanced technology background (MCA) with deep expertise in optimizing Central Processing Centre (CPC) operations, leading cross-functional teams, and implementing ironclad Maker-Checker controls. Proven track record of safeguarding portfolios against audit risks, slashing operational TAT, and seamlessly managing complex core banking architectures (Finnone/LOS).

Expert at bridging operational excellence with digital automation to drive profitability and scale.

Manager – Central Operations & Credit Administration (CPC) - ROHA HOUSING FINANCE PVT. LTD. - New Delhi, India

(2019-04)

• Portfolio Custody: Direct all Central Processing Centre (CPC) credit and loan administration operations for a massive ₹2,400 Crore+ Home Loan (HL) and Loan Against Property (LAP) portfolio using the Finnone ecosystem.
• Disbursal Operations: Govern a specialized, centralized team authorizing high-volume institutional disbursals (NEFT/RTGS), ensuring 100% processing accuracy against stringent zero-error benchmarks.
• Post-Disbursement Lifecycle: Spearhead comprehensive customer lifecycles across PAN-India branches, including structured loan rescheduling, swapping of repayment instruments, part-payments, and foreclosure processing.
• Risk & Compliance Head: Enforce strict regulatory compliance protocols by serving as the PAN-India Maker/Checker Head for Central KYC (CKYC) architectures and CERSAI registry records to protect the portfolio from regulatory risk.
• Audit Management: Orchestrate exhaustive end-to-end procedural audits on physical security dockets coming from nationwide branches before final warehouse archiving to eliminate compliance risk.
• Process Automation: Leveraged technology background (MCA) to streamline automated nationwide NACH activation tracks, slashing setup Turnaround Time (TAT) and securing smoother automated recurring monthly EMI presentation metrics.
• Awards & Recognition: Honored with the prestigious Outstanding Performance Award (FY 2020-21) for maintaining exceptional data accuracy and leadership under complex operational workloads.

Assistant Manager – Credit Operations - RELIANCE HOME FINANCE LTD. - New Delhi, India

(2017-10 - 2019-03)

• Controlled cross-functional document pipelines ensuring seamless validation and compilation of legally binding Disbursement Memos for LAP, Balance Transfer, and Builder Subvention cases.
• Validated physical structural and legal titles against sanction conditions, acting as the primary line of risk validation prior to final asset funding loops.
• Partnered with specialized external legal firms, technical surveyors, and verification agencies to resolve critical anomalies within property papers.
• Maintained strict cross-department MIS infrastructure and data trackers, serving as a single source of truth for senior leadership review.

CPA Manager – Credit Operations - ICICI BANK HOME LOAN (via iProcess India Ltd.) - New Delhi, India

(2012-02 - 2017-09)

• Led a 10-member production team accountable for executing high-volume retail mortgage verifications across complex KYC, process validation, and Non-Discrepancy Check (NDC) tracks.
• Significantly reduced end-to-end branch Turnaround Time (TAT) for active loan application packaging and legal evaluation files, accelerating overall time-to-market metrics.
• Managed complex daily financial reconciliations of internal branch clearing accounts to safeguard cash pipelines and achieve absolute zero-discrepancy balance sheets.

Master of Computer Applications - MCA - Indira Gandhi National Open University (IGNOU)

Bachelor of Computer Applications - BCA - Indira Gandhi National Open University (IGNOU)