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
