Anuj Gupta has over 10 years of experience in retail banking operations including roles at Fed Bank Financial Services Ltd., Home Loan Advisors Pvt. Ltd., Sunraj Industries, HDFC Bank, and HSBC Operations and Processing Enterprise Pvt. Ltd. His experience includes responsibilities like monitoring fund transfers, reconciliations, loan processing, customer service, and more. He has a Bachelor of Commerce degree from the University of Mumbai and has received several awards for his work in productivity and performance.

1. Anuj Gupta
Email: anujgupta.198@gmail.com | Phone: +91 9890875414
Professional Experience
1. Fed Bank Financial Services Ltd. – Retail Asset Operations
Designation: Assistant Manager (08 June 2015 to till date)
Key Responsibilities:
 Monitor the overall process of fund requirement of Gold Loan branches as well as customers through
RTGS/NEFT/fund transfer.
 Monitor daily reconciliation of cash, bank and gold.
 Approve Inter Branch Fund Transfers and ensure that IBFT entries are passed by both branches.
 Track and arrange for idle funds lying with the branch to be transferred to HO or another FED Bank branch
requiring the same.
 Proper allocation of funds received from Auction sale of GL cases and ensure closing accounts in the
system within the TAT.
 Check DSA payouts & incentives of LAP, HL and Gold Product.
 Ensure post the deficit or surplus amounts in related linked accounts of customer.
 Monitor the process of POA raised by branches related to change in signatories.
 Ensure collection of all receipts regarding duplicate keys submission by GL branches and also ensure that
swapping of keys is done yearly.
 Ensure maintenance of sufficient insurance cover for Gold in Transit / Gold In Safe & Till.
 Ensure maintenance of sufficient insurance cover for Assets in Transit.
 Ensure coverage of branch, RO & HO Assets for insurance related to Standard Fire & Perils.
 Timely renewals of all the policies.
 Ensure timely intimation SMS is sent to customers.
 Maintain all DSA Agreement of AL, HL & LAP product with CPU and improve operational processes.
Value Addition to Company:
 Process Improvement for the bank charges passed by branches saving around 30-45 minutes for the
person doing bank recon.
 Process Improvement for Gold recon saving around 90-120 minutes for the person doing Gold recon.
 Process improvement for fund transferring to H.O account from branches saving around 30-60 mins for
the person doing RTGS recon.
 Process improvement for the CRL resulting in reduction in branches who have funds more than 100% of
the CRL limit on a daily basis.
 Referral for new insurance broker resulting in the company saving money for Employee Mediclaim
premium.
 Referral of new vendor for SMS for partnering for services of missed call and bulk mails.
2. Home Loan Advisors Pvt. Ltd. – Home Loan & Mortgages
Designation: Deputy Manager (18 November 2013 to 20 August 2014)
Key Responsibilities:
 Checked documents for balance transfer
 Guided customer to make the best decision as to when to refinance current mortgage
 Discussed with customers job profile and analyzed documents i.e., bank statement, salary slips, ITR etc.

2.  Ensured applications are complete and accurate
 Answered client questions and assisted in choosing the mortgage type and mortgage terms appropriate to
the financial information gathered
 Interacted with clients for the sale of home loans , LAP and for balance transfer
 Followed up with customers for discrepancies to be resolved
 Coordinated with different banks for loan processes and calculated the eligibility of the customer
 Prepared term sheet for customer with best rate and pricing
 Tracked logins, sanctions and disbursals to ensure quality services to customer
3. Sunraj Industries – Pre and Post Shipments
Designation: Deputy Manager (28 October 2011 – 15 November 2013)
Key Responsibilities:
 Introduced the company and sent product profile, company profile
 Analyzed the requirements & distribution of these requirements buyer wise
 Followed up with suppliers to ensure timely delivery and provided information to production on the
delivery status
 Updated outstanding purchase order, changes in customer information and process delivery order
 Maintained a database of orders received, orders executed, payment due/received, etc
 Built and maintained healthy business relations with customers, enhanced customer satisfaction matrices
Handled customer issues and suggested appropriate solutions
4. HDFC Bank – Retail Assets Operations
Designation: Assistant Manager (28 February 2011 - 12 September 2011)
Key Responsibilities:
 Received requests from branches and sales team for blocking and d-blocking of NOCs
 Performed quality checks of blocking and d-blocking of NOCs and closure for the cases processed by
Tirupati team
 Indented holograms for the branch and for internal purposes
 Released files to vendors for forwarding a SMS to customers
 Foreclosure of all loans for north and west regions
 Maintained an updated list of officials of the branch for authority signatory list of RTO
 Issued NOCs for finance and non-finance customers
 Handled a team of ADFC staffs & monitored productivity of junior officer
 Maintained MIS for foreclosed loans, NOCs, blocking and d-blocking , holograms and SMS files
 Provided various types of MIS to the management from time to time [monthly productivity, TAT of
closure, discrepancies MIS and daily status in terms of number of loans account closed]
Value Addition to Company:
 Successfully migrated the process of blocking and d-blocking to Tirupati team
 Successfully completed the clean-up exercise for old accounts which were already closed, but not D-
blocked in the system for sending the NOCs to customers
 Reduced the TAT for sending holograms to branches from 1 month to 15 days
 Improved blocking and d-blocking processes which helped branches and operation staff to provide quality
service to customer

3. 5. HSBC Operations and Processing Enterprise Pvt. Ltd.
Designation: Officer (24 November 2006 - 26 February 2011)
Key Responsibilities:
1. Retail Branch Banking
 Handled the process of RTGS and NEFT
 Helped customers open an account and fulfilled KYC as per RBI guidelines
 Verified signatures for cheque clearing process
2. CRU - Customer Support Unit
 Handled PAN India complaints via e-helpline
 Performed quality checks of closures and foreclosure letters process by the new joinees
 Handled foreclosure desk by preparing foreclosure letters for PAN INDIA for following:
Personal loans | Consumer finance loans | Car loans | Home loans
 Handled customer requests received via DML’s, EDs, LNs and RMS
 Prepared and analysed MIS regularly ensuring resolution of customer complaints within specified TAT
 Processed loan cancellation, refunds, auto-post entries
 Processed the closures and prepayments transactions of the various kinds of Asset loans for HSBC Bank
 Maintained and updated foreclosure letters MIS, courier MIS & closure MIS on a daily, weekly and
monthly basis
 Coordinated between various departments and analyzed processes to reduce the TAT to the minimum
 Issued NOC to customers after closure of loan as per requirement
3. CRU – Pragati Finance (Post Disbursal) Department
 Checked consumer loan files for completeness and correctness; processed them within agreed TAT
 Checked and updated blacklisted customers on a daily basis
 Trained and mentored support staff and fresher staff
Value Addition to Company:
 Implemented the process for avoiding duplicate issuance and dispatching the foreclosure letters to
customers, leading to cost saves of INR 55,000
 Reduced the processing TAT of foreclosure significantly
Education
College – Bachelor of Commerce – Mumbai, India
University of Mumbai | 2005
College - H.S.C – Mumbai, India
Maharashtra Board | 2002
School – S.S.C - Mumbai, India
Maharashtra Board | 2000
Professional Achievements
• Recognized for outstanding performance and exceptional commitment at Fed Bank Financial Services Ltd.
• Awarded ‘Star of the Month’ for 5 consecutive months at HSBC Operations and Processing Enterprise Pvt. Ltd. for
consistent and efficient productivity
• Recognized for delivering highest productivity at HSBC Operations and Processing Enterprise Pvt. Ltd.