Shivkumar Mahashabde

Results-driven and detail-oriented Credit Operations Leader with 16+ years of experience across NBFCs and banking institutions, including Arka Fincap, Tata Capital, Tata Motors Finance, and Fullerton India. Proven track record in leading large teams (20–30 members), optimizing credit processes, ensuring regulatory compliance, and delivering zero audit discrepancies. Strong expertise in credit evaluation, disbursement operations, leasing finance, and process automation, with hands-on experience in SAP, LOS, Oracle, and financial systems.

Deputy Manager – Credit Operations at Arka Fincap Ltd (2025-11 – Present)

• Lead a team of 20+ professionals managing end-to-end credit operations
• Managing multi-branch operations with disbursement volume of approx. ₹15 Cr per month
• Managing operations for multiple branches with focus on process control, compliance and productivity
• Monitoring branch performance through MIS and driving improvements in TAT and operational efficiency
• Driving standardization of processes and reducing operational deviations across locations
• Coordinating with business, credit and risk teams to ensure smooth disbursement and compliance
• Leading and mentoring branch operations teams to achieve performance and compliance targets
• Identifying process gaps and implementing corrective actions to minimize operational risk
• Supporting internal and external audits with data analysis and documentation
• Ensuring zero critical audit observations across branches through strong control mechanisms
• CKYC data provide to Vendor for generation of CKYC no & once we received from vendor upload in system
• Verifying Legal Technical Report Credit condition at the time of disbursements

Assistant Manager – Operations (Leasing) at Tata Capital Ltd (2024-04 – 2025-11)

Tata Motors finance Ltd Merge in Tata Capital Ltd

• Managed leasing operations with a 30-member team
• Verifying PO's & Non Po's & send it to Vendors
• Oversaw lease structuring, invoicing processing, Vendor payments and rental billing cycles
• Administered SAP data, GST reconciliation, and management reporting
• Coordinated collections and maintained operational efficiency

Assistant Manager – Credit Operations (Disbursement) at Tata Motors Finance Ltd (2020-04 – 2024-03)

• Led a team of 25 members handling disbursement and branch operations
• Ensured 1-day TAT for dealer and channel finance disbursements
• Managed vendor payments, GL reconciliations, and MIS reporting
• Conducted training and ensured compliance with company policies
• Maintained zero audit discrepancies consistently

Assistant Manager – Credit (Auto Loans) at Tata Motors Finance Ltd (2014-09 – 2020-03)

• Performed credit appraisal, CAM preparation, and income assessment
• Led field investigation team and handled KYC, CIBIL analysis
• Evaluated vehicle financing viability and risk

Team Leader – Credit Processing Centre at E-Nxt Financial Services Ltd (2011-03 – 2014-09)

Tata Motors Associate

• Managed a 30-member credit processing team
• Oversaw loan processing lifecycle from login to sanction
• Ensured adherence to TAT and credit evaluation standards

Admin Credit Manager – Personal Loans at Fullerton India Credit Co Ltd (2010-08 – 2011-03)

• Held approval authority up to ₹5 Lakhs with deviations
• Managed branch credit operations, disbursement, and compliance
• Conducted audit controls and ensured regulatory adherence

Junior Credit Officer at HDFC Bank (2008-07 – 2010-07)

ADFC India Pvt Ltd

• Processed loan documentation and credit approvals
• Generated credit reports and assisted in disbursement operations
• Handled customer servicing and compliance checks

Bachelor of Commerce in Commerce

Executive MBA in MBA – Amity University (2026-04)