1. Rekha Prasad
B-1, 901 Shree Saraswati Co-op Hsg. Society
N.G. Acharya Marg, Chembur
Mumbai:- 400 071
Phone: 022-25212580/ 9820247048
E-mail: rekhs1704@rediffmail.com
Status : Married
DOB- 17th
April 1979
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Curriculum – Vitae
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Career Objective
A position of growth, responsibility and authority with room to innovate in an organization which wants to spread
its wings.
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Strengths & Core Competencies
 Strong experience in Banking and Financial Services.
 A self-starter with high degree of commitment, concentration and integrity. A Strong belief and a deep-seated
desire for achievement, Hardworking & Initiator.
 Good understanding of the business process.
 Willingness to shoulder higher responsibilities.
 Gained experience in professional environments.
 Self-motivated and leadership qualities with good communication skills & quick decision-making abilities.
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Academic Qualifications:
 Graduate in Commerce from Mumbai University.
 PGDBA, Specialization in Finance, from Welingkar Institute of Management in Finance.
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2. Work Experience:
Currently Working In L & T Finance Limited as a Sr. Manager .
Working in LTF Since Oct 2007 in various roles in branch and central operations ; Snapshot of
various roles held during my tenure :
September 16 onwards:- Customer Service, Closures , Grievances cell, Insurance process – Mortgages
Managing a team of 3 direct reportees and 3 indirect reportees
o Managing customerservicequeries,escalations,regardingissuanceof welcome letter, amortization schedule.
Also handing the closure process for mortgage loans including part prepayment, issuance of NOC . in adition
managing the customer grievance of the customer related to mortgage.
o Insurance process- review of the insurance policies issued , refunds against insurance , MIS published to
various stakeholders
Since Oct’14- August 16 : Team Leader : Customer Service and Channel Payouts
Leading a team of 17 indirect reportees and 3 direct reportees, Role Responsibilities include
Customer service in addition to the payout responsibilities managed for the past year
o Ensure accurate and timelyloan closures and issuance of NOC to customers on Maturity
o Servicing Pre Closure requests and Issuance of NOCs thereon within the SLAagreed with branches
o Servicing Repossession basedclosurerequestsandensuringduevalidationofthe computationsandapprovals
for closure are available
o CoachingCall center in queryresolution and quick kill call resolutions related to service call on statements of
accounts, due dates etc.
o Ensuring timely dispatch of customer communications including welcome letters, periodic statement of
accounts, interest statements for HL customers through effective vendor management
o Managing escalations, customer complaints and exceptions in the process and guiding team to look for
continuous process improvements, internallyand across teams impacting service, in order to achieve higher
efficiency, TAT and Quality
o Ensure timelydispatch of welcome letter/ SOAdispatch, Interest certificates dispatch for Hsg CO
Since Oct’13, Heading Channel Payouts Unit ; Key Role included
o Ensure all payout requests are processed within agreed timelines and with the qualityas per defined SLA
o Ensure adherence to regulatoryand internal policyguidelines in respect of payout processing.
o Ensurethat allDebit Notesor Declarationsare obtained from all dealers for payouts released within 90 days of
payout.

3. o Ensure payout requests, vouchers, debit notes are stored safelyand securely
o Continuousevaluationof processestoreduce costandrisk/ improvecontrolsthroughprocessimprovements or
automation
o To ensure that provisions for payouts are done on time monthlyand review actual v/s provisions on a ongoing
basis
o To ensure TDS certificates are handed over to the branches for all dealer payments in co-ordination with
accounts .
o Ensure satisfactoryaudit reports for the unit
April 2011 To Sep’13
Team Leader in Centralised Disbursement Unit, Key Responsibilities Include :
o Disbursementrelated-MaintainTAT &Qualityof loan disbursements, Ensureall policiesandrulesand
regulationsareadheredto with regardsto different categoriesofloanfacilityavailed
o Servicerelated – Interactionwiththe businessgroupto solve queries,improveFTR%andwith inter
departmentsto ensuremaximumcustomersatisfaction.
o Processrelated-Constantreview of the processesto improvisethe currentprocess,increaseefficiency and
work resolutionsfor loopholesif any hamperingthesmoothflow.
Feb 2009 to April 2011
o Elevated as a product head for Construction Equipment Group –
o DisbursementsofConstructionEquipments for Mumbai & Goa Branch after checking of Loan Documents. To
monitor the dailyworking of the Construction Equipment Group.
o Keep a check on unauthorized Loans, Bank reconciliations, Day to day working of the group, Handle LC
transaction, coordinating with branches ( PAN INDIA) for opening of LC , preparation of debit notes, Statement
of account in case of LC retirement. Handling debit notes related to Subvention
Oct 2007 –Feb 2009
o Foreclosures of CV. Preparation of NOC of Commercial Vehicle( CV) ,Bills Discounting( BD), Dealer
Finance(DF),ShortTerm UnSecuredLoan.KeepingarecordofThe repossessed Assets on monthlybasis and
MIS on them. Activating Stop Billing/Resume Billing in case of Assets repossessed or released. Calculation of
Profit / Loss on Sale of Repossessed Assets.
July’07 To Sept‘07
Employed with Biotron Healthcare (India ) Pvt. Ltd. as a Jr. Accounts Executive

4. o Nature of Job : Preparation of Invoices, Preparation of cheques, Bank reconciliation, Remittances to Foreign
Prinicipals, Checkingtheexpenseclaimsofvarious Sales persons,TDS, Assisting Sr Executive inpreparation
of Financial Statements.
Nov 2004 to June 2007
Worked with Aries Agro Limited , in Deonar, as Accounts Assistant
Job Profile:
o Initiallyengagedina particular'SchemeDepartment' which involved generation of special coupons to dealers,
preparation of credit notes, entering invoices etc .
o Later transferred to Financedepartmentwherethenature of work involved preparation of cheques, dailyreview
the of bank statements through the net, transferring of balances within branches and accordinglyreporting to
the Finance Head. Maintaining petty cash and main cash vouchers in Tally, Preparation of PRS (Payment
Received Statement) from the dealers, Entering the receipts and cheque transactions in Tally, preparation of
Bank reconciliationStatements, Keeping a record of the various loans taken and entering the same in Tallyas
per the interest and principal calculations.
Aug 2004 to Oct 2004
Worked withShriram Chits(P) Ltd, a FinanceCo. in Vashi asan AccountsAssistant
Job Profile
 ManualBookswritingof books, Enteringdailyreceiptsandpayments, banktransactionintheir designed
software.
May 2001 to July 2004
Worked witha C A Firm GuptaGangar& Associates,a partnershipfirm in Vashi asan AccountsAssistant
Job Profile :
 Audit of books of clients,preparationofbank reconciliationstatements,Audit of cashbook, BankBook,
Ledgers,Preparationof trial balance,assistinginfinalizationof accounts,Preparationofbooksin tally, Filingof
IncometaxReturns, Handlingdayto day routineBank andcashtransactions.
(RekhaPrasad)