Email-arvindkumar.iifl@gmail.

com I 09650590589

ARVIND KUMAR
Result-driven personnel steering assignments with a progressive and stable organization

WORK HISTORY

Organization : Mamta Projects Pvt Ltd (Arthmate Group)

Period : Mar 2022 to Till Date
Designation : Operation (Key Account Manager)

• Handling B2B,B2C, Working Capital, Bill Discounting complete process

• Partners Implementation
• Handling all partners end to end process like commercial closing, Disbursement, repayment, Reco,
Invoicing, Billing, Service Fee payment etc
• Analyzing the loan documents and other critical documents of the Customer, Partners prior to funding the
client.
• Handling post disbursement work Like :- NACH registration, Repayment & Reporting of cases.
• Successfully accomplishing the disbursement of funds to the client with the minimum time and errors
with quality.
• Liasioning with the credit team, client and intra departments for processing of necessary information for
processing the funds to the client.
• Corresponding with internal and legal auditor for completing the quarterly audit.
• Create, distribute, and analyze monthly time tracking reports to top Management.

Organization : Shine Star Build-Cap Pvt Ltd (PACE Group)

Period : Apr 2020 to Mar 2022
Designation : Operation Manager

• Analyzing the loan documents and other critical documents of the Customer prior to funding the client.
• Processing of promoter Funding, Working Capital, Bill Discounting, NBFC, LAP, Business Loan, Zest Money
(micro finance) and LAS funding for larger Corporates.
• Handling post disbursement work Like :- NACH registration, Repayment & Reporting of cases.
• Accountable for handling the reconciliation of the upstream and downstream application of bank and
various loan documents to ensure data integrity and act as a control team to maintain data accuracy
• Successfully accomplishing the disbursement of funds to the client with the minimum time and errors
with quality.
• Liasioning with the credit team, client and intra departments for processing of necessary information for
processing the funds to the client.
• Initiating legal vetting of the secured mortgaged with the organization under the guidance of mortgage
process in frame of legal application.
• Tracking and closure of deferrals as taken by sales official
• Corresponding with internal and legal auditor for completing the quarterly audit.
• Preparation of Customer Assessment Memo and Disbursements memo for final Disbursal to the client.
• Maintaining Portfolio MIS, Delinquency MIS ad Other operational related MIS of the cluster and regular
reporting for the same.
• Create, distribute, and analyze monthly time tracking reports to top Management.
• Compliance of RBI guidelines, Stamp duty Act, Mortgage process, Arbitration Act and other legal
obligations on and behalf for bank and Companies.
• All compliance reporting like – CIBIL, Cersai, IU(NSEL) etc.
 • Suggest Credit Policies, credit lines, operational procedure and standards in conjunction with the
business

Organization : Moneywise Financial Services Pvt Ltd (SMC Group)

Period : May 2017 to Apr 2020.
Designation : Operation Manager & CPA Head

• Handles team of 18 persons.

• Analyzing the loan documents and other critical documents of the Customer prior to funding the client.
• Processing of promoter Funding, Working Capital, Bill Discounting, NBFC, LAP, Business Loan, Zest Money
(micro finance) and LAS funding for larger Corporates.
• Accountable for handling the reconciliation of the upstream and downstream application of bank and
various loan documents to ensure data integrity and act as a control team to maintain data accuracy
• Create, distribute, and analyze monthly time tracking reports to top Management.
• Tracking and closure of deferrals as taken by sales official
• Handling post disbursement work Like :- NACH registration, Repayment & Reporting of cases.
• Initiating legal vetting of the secured mortgaged with the organization under the guidance of mortgage
process in frame of legal application.
• Corresponding with internal and legal auditor for completing the quarterly audit.
• Liasioning with the credit team, client and intra departments for processing of necessary information for
processing the funds to the client.
• Preparation of presentation and database as per changing guidelines of the government norms affecting
the organization and taking preventive and corrective measures.
• Compliance of RBI guidelines, Stamp duty Act, Mortgage process, Arbitration Act and other legal
obligations on and behalf for bank and Companies.
• Successfully accomplishing the disbursement of funds to the client with the minimum time and errors
with quality.
• Determining cash flow capacity; assigning risk ratings to loans and approving loans consistent with
governmental criteria.
• Maintaining compliance with lending, underwriting and government requirements.
• Timely EMI collection and payment terms of all the existing clients.
• Preparation of Customer Assessment Memo and Disbursements memo for final Disbursal to the client.
• Maintaining Portfolio MIS, Delinquency MIS ad Other operational related MIS of the cluster and regular
reporting for the same.
• Suggest Credit Policies, credit lines, operational procedure and standards in conjunction with the
business.
• Monitor loans on continuous basis to ensure minimal delinquencies and NPA.
• Handling team of CPA credit processing files for all products logins.

Organization : Eye Q Vision Pvt Ltd

Period : Sep 2014 to May 2017
Designation : Inventory Manager (Operation)

• Taking Care of all 45 center Optical Inventory related worked.

• Analysis all inventory which are used in all center & also maintain all Inventory related MIS.
• Process all kind of authorized vendor payment with tracking.
• Liaising with outside Agencies and Vendor for maximize the profit and arrange tie ups with the
best Vendor in the Industry.
• Duly conformity of the Organization policies with Accounting and Secretarial Standards.
• Preparation of weekly MIS for the updated report and sales figure.
• Sharing centrally data reporting for cost reduction on the PAN India Branches.
 • Assist in departmental cross-training program to disseminate knowledge/expertise across
department personnel.
• Dealing with vendor for finales rate, product of new product & Scheme.
• Check all 45 center Issue & Problem which are coming in sales.
• Handling sourcing through identification of cost effective suppliers for procurement with the aim
of improving quality and reliability.
• Overseeing the store management and maintaining reduced inventory levels.
• Arrange all Inventory for all center & Hospitals.

Organization : India Infoline Finance Ltd

Period : Mar 2011 to Jul 2014.
Designation : Operation Officer

• Taking Care of Gurgaon Branches of Healthcare Finance Loans.

• Liazioning with the credit & Sales team, client and intra departments for processing of necessary
information for processing the funds to the client.
• Charge created on MCA Site again all Pvt Ltd & Ltd Customer of Healthcare Finance Loan.
• Maintain all MIS (Conversation of Documents between Financier & Customer, PDD’s / PDE
Updating, Vendor’s Payments, ROC Charge Creation & Disbursements.)
• Process all kind of authorized vendor payment with tracking.
• Identifying, investigating and reporting collateral shortfall situations to ensure prompt resolution
working with the Capital Advisory and other front office teams.
• Tracking of covenant compliance according to Credit Policy.
• Provide regular high level project status updates to senior Management and Project Stakeholders for
key initiatives .
• Calculation of Drawing Power and Margin Call of the Customer and pre determine the NPA Account.
• Preparation of presentation and database as per changing guidelines of the government norms
affecting the organization and taking preventive and corrective measures.
• Coordinating with the financial management team to support the financial closing process
• Duly conformity of the Organization policies with Accounting and Secretarial Standards.
• Compliance of RBI guidelines, Stamp duty Act, Mortgage process, Arbitration Act and other legal
obligations on and behalf for bank and Companies.
• Tracking for the EMI recovery and passing of general entry for the Bank retail portfolio.
• Arrange all asset verification by vendor’s which is funded by the Company.
• Taking care All FCU process like FCU report, FCU agencies monthly bill’s.

Achievements:

• Got Best Employee Award in Seminar held at Abu Dhabi, UAE. (2014)
Organization : Ma-Foi Management Consultants Ltd.
(The Royal Bank of Scotland N.V CEF & MEF Department)
Period : Jan 2010 to Feb 2011
Designation : Risk Support

• Taking Care of Gurgaon Branches of CEF & MEF Loans.

• Charge created on MCA Site again all Pvt Ltd & Ltd Customer of MEF & CEF Loan.
• Created All Type of NOC’s With Tracking MIS.
• Create Section -9 Files for Legal purpose.
• Maintain all MIS (RMC ,Legal, NOC & Conversation of Documents between Bank ( Ops Team & Sales
Team) & Customer, PDD’s / PDE Updation).
• Conduct quality assessment and review on random work samples.
• Work with the Business Support Unit to assess documentation requirements for client legal entities
and jurisdictions.
• Interact with clients to obtain KYC and other compliance information and documentation.
• Collaborate with unit management on design, development and implementation of quality review
and audit.
• Prepare reports and track error rate and impact for assigned unit.

Organization : Sniffer India (Standard Chartered Bank & HDFC Bank – Retail Loan)
Period : May 2008 to Dec 2010
Designation : Sampler in RIC Department

• Collaborate with process documentation, gap analysis, data mapping, and process and workflows
improvement efforts.
• Complete in-depth analysis on items raised with the Business Helpdesk team.
• Provide application support and carry out necessary impact analysis for users once the system
changes are implemented.
• Work with partner teams to ensure all user queries raised are resolved in an efficient manner and
carry out necessary impact analysis.
• Gain/demonstrate SME level knowledge on the KYC application being implemented.
• Ensure the quality, timeliness and accuracy of all processes and services provided by the Consumer
Business Support Unit Department and at the same time proactively manage risk and control issues
to ensure compliance with company policy.
• Support internal reengineering
• To support Unit in ensuring authorization processes and services are conducted properly and
effectively in accordance with policies, procedures.

Achievements:

• Got Best Employee Award (2009)

Organization : Team Lease (ICICI Bank Ltd) Period

: November 2006 to May 2008
Designation : Sampler in RCU Department
Also worked as a CPA Staff

• Management of ad-hoc departmental projects as assigned

• Create, edit and execute test cases and test data from specification documentation.
• Deal with enquiries from Business and/or Compliance on Quality Assistance check requirements.
• Prepare management reports of activities to Business group.
• Management of weekly metrics for the various production teams, ensuring clear visibility of goals,
 daily, weekly and monthly monitoring and taking steps as necessary to increase productivity to
agreed goals.
• Engaging and working with the Program coordinators of Fraud, Records management, Risk
underwriter and other general controls for the department.
• Ensuring compliance with credit risk policy and internal procedures.
• Cooperating closely with appropriate parties to solve technical issues when required.
• Taking active part in projects aiming to streamline team’s processes.
• Ensuring compliance with credit risk policy and internal procedures.
• Cooperating closely with appropriate parties to solve technical issues when required.
• Taking active part in projects aiming to streamline team’s processes.
• Prepare client-specific KYC-related analyses and complete Customer Acquisition Due Diligence.

PROFESSIONAL QUALIFICATION
• One years Diploma in Information Technologies (DIT) from NIIT, New Delhi.
• Six months Diploma in MS Office (Satellites Foundation institutes)
• Completed KYC Training conducted by Stock Exchange

EDUCATIONAL QUALIFICATION

• MBA (Operations) from Shobhit University (2014)

• B.A (PASS) from CCS University (2006)
• 10+2 from CBSE, New Delhi (2003)
• 10th from CBSE, New Delhi (2001)

EXTRACURRICULAR ACTIVITIES

• Involved in Fund raising for the Education for below Poverty Kids
• Being part of Nukkad Natak to spread awareness on Social issues