Finance and accounting operations
SAMARPIT MATHUR
Credit And Operations
Bengaluru
Summary
Accomplished management professional with 6+ years of career progression in Credit and Operations. Proven effective leader skilled in development and oversight of high-performing, multi-disciplined and quality-oriented teams. Adept problem solver, employing creativity and innovation to overcome challenging and complex issues across employees, processes and costs. Focused and meticulous in all financial and regulatory compliance objectives to strategically plan and execute budgets, forecasts, cost-reduction techniques and safety initiatives. Outstanding communicator with English fluency and well-versed in employee, vendor and partner relations.
Experienced in Underwriting and Operations for the Secured & Unsecured Loans such as Auto Loans (All Constitutions), Commercial Vehicle Loans (All Constitutions), Business Loans, Personal Loans, Security Based Lending , Commercial Vehicles (Fuel & Tires)
Highlights:
- Hands-on experience in handling and nurturing and also in managing the CPU
- Proven capabilities in managing working capital facilities (fund based & non-fund based limits), lending, P&L account, balance sheet & cash flow statements
- Skilled in identifying, measuring and mitigating Risk Management Systems (Operational, Financial & Business) across an enterprise wide structure in compliance with regulatory objective and business risk parameters
- Highly skilled in managing spectrum of activities encompassing devising & implementing effective collection plan
Overview
6
6
years of professional experience
7
7
years of post-secondary education
2
2
Languages
Work History
Operations Manager
Bright Money
2020-06 - Current
- Set, enforced and optimized internal policies to maintain efficiency and responsiveness to demands.
- Strengthened performance metrics tracking and analysis to enhance tactical and strategic company plans.
- Implemented policies and standard operating procedures for continuous improvement.
- Conducted performance reviews each quarter, offering praise and recommendations for improvement.
- Performing cross-functional coordination and communicating the requirements with Credit, Finance, Data Science, Tech & Collection Team
- Underwriting cases in a day for approvals & rejections
- Supervising approval of loan proposals & sanctioning credits after appraising solvency status & verifying documents as well as post sanction follow-up and disbursal of loan.
- Analyzing credit quality, controlling delinquencies and mitigating frauds, thereby contributing in quality portfolio leading to a healthy profitability.
- Taking prudent credit decision and sanctioning proposal based on available information & documents and interactions with the borrowers.
- Implementing credit policy and performing continuous evaluation to ensure adherence to the policy & compliance with the authority
Credit and Operations Manager
Blackbuck, Logistics Solutions Ltd, Zinka Logistics Solutions Ltd
2019-10 - 2020-06
- On-boarding & managing financial partners and vendors
- Facilitating credit appraisal and monitoring for PAN India
- Managing a team of 10 members; coordinating with Sales Team, Credit & Operation Team
- Performing cross-functional coordination and communicating the requirements with Operations, Finance & Collection Team
- Underwriting cases in a day for approvals & rejections
- Supervising approval of loan proposals & sanctioning credits after appraising solvency status & verifying documents as well as post sanction follow-up and disbursal of loan
- Analyzing credit quality, controlling delinquencies and mitigating frauds, thereby contributing in quality portfolio leading to a healthy profitability
- Taking prudent credit decision and sanctioning proposal based on available information & documents and interactions with the borrowers
- Implementing credit policy and performing continuous evaluation to ensure adherence to the policy & compliance with the authority
- Conducted performance reviews each quarter, offering praise and recommendations for improvement.
- Implemented policies and standard operating procedures for continuous improvement.
- Directed day-to-day operations focused on attainment of key business metrics, continuous improvement initiatives and 10 member management team with related direct reports.
Credit and Operations Manager
Toyota Financial Services India Ltd
2018-09 - 2019-10
- Managed a team of 16 members; coordinating with Sales Team, Credit & Operation Team, FI Agencies and RCU Agencies
- Underwriting more than 30 cases in a day for approvals, hold & rejections in a day
- Supervised approval of loan proposals & sanctioned credits after appraising solvency status & verifying documents as well as post sanction follow-up and disbursal of loan
- Executed project of hind sighting TAT and Franking Services TAT
- Worked on Disaster Recovery-Drill and coordinated between the Application and IT team
- Analyzed credit quality, controlled delinquencies and mitigated frauds, thereby contributing in quality portfolio leading to a healthy profitability
- Took prudent credit decision and sanctioned proposal based on available information & documents and interactions with the applicants
- Facilitated credit appraisal and monitored the same for the region
- Implemented credit policy and performed continuous evaluation to ensure adherence to policy & compliance with authority
- Performed analysis of 31+, 91+ & Non-starters & providing data-based on the results
- Worked in close coordination with BOM & BSMs to minimize NPAs level; assessed the creditworthiness of the prospective customers to extend financing facility after studying client’s portfolio details and taking adequate steps to ensure timely receipt of recovery
- Liaising with vendors & partners for providing inputs regarding Business Process and Application development and acting as a POC
- Conducted performance reviews each quarter, offering praise and recommendations for improvement.
- Implemented policies and standard operating procedures for continuous improvement.
Team Leader
JP Morgan&Chase
2016-09 - 2018-09
- Led a team of 5 people; successfully processed 5 deals in a day from analysis to approval
- Spearheaded the entire gamut of credit underwriting-Multiple Loans (Security Based Lending, Auto Loan, Personal Loan, Business Loan, Home Loan) originations, credit review process for customers, credit risk evaluation, analysis of bulk deals and decisioning the case
- Analysis of the Financials based on the first analysis done by US counter partners
- Executed Operational documents pertaining to the nature of the loans
- Handled multiple clients inclusive of Multi-nationals, private companies, government related parties, US Financial Institutions and many other categories of parties
- Prepared Statement of Action and calculated the risk and mitigating the same
- Successfully completed Harvard Trainings on Financial Management and Work Place
- Part of Finance Club engage in arranging the Finance related fests
- Part of multiple projects- Application Enhancement, Team building, Seat utilization
- Coordinated weekly meetings for internal and external groups, including teleconferences and videoconferences, interacting with all levels of management.
- Mentored and guided employees to foster proper completion of assigned duties.
- Conducted training and mentored team members to promote productivity, accuracy and commitment to friendly service.
Credit and Operations Manager
Toyota Financial Services India Ltd
2014-05 - 2016-09
- Played a key role in establishing entire Credit and Operations Department in Southern region
- Managed a team of over 30 in the Credit & Operations Wing - Auto Loans and regulated portfolio for entire southern zone
- Performed analysis of 31+, 91+ & Non-starters & provided data-based on the results
- Optimized credit approval and collection process, thereby improving operational efficiencies by over 70%
- Achieved record setting free cash flow for Fiscal Year 2015
- Conducted performance reviews each quarter, offering praise and recommendations for improvement.
- Implemented policies and standard operating procedures for continuous improvement.
- Directed day-to-day operations focused on attainment of key business metrics, continuous improvement initiatives and [20}-member management team with related direct reports.
- Developed and implemented daily operations plans such as number of disbursements, employee assignments and approving loans.
Education
MBA - Finance
Alliance University
2012-07 - 2014-09
BA LLB - Law
New Law College, Bharati Vidyapeeth University
2006-07 - 2011-06
Skills
Credit and collections
Credit score understanding
Operations and logistics
Credit card handling
Operations understanding
Risk management
Process improvement
Operational improvement
Supervision
Team management
Project organization
Debt-to-Income Ratios
Application Analysis
Loan to Value Ratio Calculations
Additional Information
Internships
1. Organization: GMR Group, Mumbai
Period: Apr’13–June’13
Title: Funding Options Available to Improve Performance of Infrastructure Companies
Highlights:
- Evaluated upcoming rules & regulations and policies by the government and their effect the company & gave inputs on how to mitigate risk/effects of these policies by company in the future
- Analyzed the annual financial reports of the company
- Assessed various markets for raising funds from infrastructure company & studied different types of market instruments
2. Organization: Chambal Fertilizers and Chemicals Ltd., New Delhi
Period: Dec’ 08 – Jan’ 09
Role: Legal Contract Analyst
3. Organization: Suri & Law Co., New Delhi
Period: Dec’ 07 –Jan’ 08
Role: Researcher
Period: Dec’ 07 –Jan’ 08
Role: Researcher
Certification
Hardworking & Fast Adapter from MD of the organization in 2014
2014-11
Managing High Logins efficiently in 2015
2015-12
Certificate of Handling High numbers of Cases in the month of August, 2018
2018-08
Languages
English
Hindi
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Interests
Reading
Swimming
Travelling
Timeline
Operations Manager
Bright Money
2020-06 - Current
Credit and Operations Manager
Blackbuck, Logistics Solutions Ltd, Zinka Logistics Solutions Ltd
2019-10 - 2020-06
Credit and Operations Manager
Toyota Financial Services India Ltd
2018-09 - 2019-10
Certificate of Handling High numbers of Cases in the month of August, 2018
2018-08
Team Leader
JP Morgan&Chase
2016-09 - 2018-09
Managing High Logins efficiently in 2015
2015-12
Hardworking & Fast Adapter from MD of the organization in 2014
2014-11
Credit and Operations Manager
Toyota Financial Services India Ltd
2014-05 - 2016-09
MBA - Finance
Alliance University
2012-07 - 2014-09
BA LLB - Law
New Law College, Bharati Vidyapeeth University
2006-07 - 2011-06