Subrat Kumar is seeking an operations analyzing position that utilizes his leadership, problem-solving, and communication skills. He has over 8 years of experience in loan operations management, including verifying documentation, implementing policies and procedures, and resolving customer issues. Currently working as a senior executive at E-NXT Financial Services, he previously held similar roles at Axis Securities Limited and Arcis E Services Pvt. Ltd. Kumar has an MBA and manages all aspects of the loan lifecycle from application to disbursement.

1. SUBRAT KUMAR
skumarbaasi@gmail.com
+91-8860449655
H. NO-98A
2ND
FLOOR
MADANGIR VILLAGE
NEAR SPAN HOUSE
NEW DELHI-110062
OBJECTIVE: To use my leadership, problem-solving, and communication skills in OPERATIONS
ANALYZING position that offers exposure to benefits handling employees and employee on-boarding.
EXPERIENCES CHRONICLE
E-NXT FINANCIAL SERVICES LTD (A TATA ENTERPRISES)
FROM SEP-2014 TO TILL DATE
SENIOR EXCUTIVE
Responsibilities:
• Responsible for managing the Loan Operations Department of the Organization.
• Develop and implement best practices in loan operations related processes and procedures.
• Verify all initial loan documentation and proper disclosures are included in underwriting
files and required signatures are completed where applicable.
• Pro active leader and team player with the ability to be influential and establish positive
working relation
• Achieve established departmental goals within defined timelines, as well as define and
implement a measurement of acceptable staff performance in order to safeguard the Bank’s
loan portfolio .
• Successfully interact with the lending staff to improve accuracies and efficiencies.
• Perform on going training, review and communicate current or developing lending industry
topics/concerns or standards
• Implement operation policies and procedures to ensure compliance with State and Federal
regulations and internal compliance requirements
• Conduct various assessments and audits to ensure department procedures
• Implement clean-up procedures and corresponding changes when necessary and as
appropriate
• Communicate with management team to coordinate system and control activities related to
loan documentation and monitoring.
• Interact with auditors, loan review, compliance, and examiners to assist in organization
reviews and examinations
• Follow up and correct any items addressed and ensure necessary changes or
recommendations have been implemented as directed.
• Perform other job related duties as assigned
• Maintain appropriate, reliable and confidential business relations with members, realtors,
vendors and all direct and non-direct reporting staff.
• Ensure that members with inquiries, information requests and complaints are handled
efficiently relating to loan products and services offered.

2. • Responsible for verifying all underwriting requirements and conditions are resolved prior
to close.
Responsibilities at a glance
1. Producing Foreclosures
2. Producing NOC
3. Producing No Dues
4. Subsequent disbursement
5. Producing LOD
6. Fund request
7. Payment Release/ Release Order
8. Co-ordinate with agencies as payments are made or not.
9. Checking the eligibility of customer.
10.Analyzing legal reports, technical reports
11. Taking care of PDD and Deferred documents and co-ordinate with concern person/authority to
collect the documents.
12. Resolving customer issues
13. Dispatching of files to HO
14. Preparing dash-board
15. Analysis of Pricing
16. Contact with builder for builder demand.
17. Checking the file thoroughly
18. Responsible to close the audit queries raised by CPC.
AXIS SECURITIES LIMITED (FULLY SUBSIDIARY OF AXIS BANK LIMITED)
FROM FEB-2014 TO SEP-2014
SENIOR EXCUTIVE
Responsibilities:
• Responsible for managing the Loan Operations Department of the organization.
• Develop and implement best practices in loan operations related processes and procedures.
• Verify all initial loan documentation and proper disclosures are included in underwriting
files and required signatures are completed where applicable.
• Pro active leader and team player with the ability to be influential and establish positive
working relation
• Achieve established departmental goals within defined timelines, as well as define and
implement a measurement of acceptable staff performance in order to safeguard the Bank’s
loan portfolio .
• Successfully interact with the lending staff to improve accuracies and efficiencies.
• Perform on going training, review and communicate current or developing lending industry
topics/concerns or standards
• Implement operation policies and procedures to ensure compliance with State and Federal
regulations and internal compliance requirements
• Conduct various assessments and audits to ensure department procedures
• Implement clean-up procedures and corresponding changes when necessary and as
appropriate
• Communicate with management team to coordinate system and control activities related to
loan documentation and monitoring.
• Interact with auditors, loan review, compliance, and examiners to assist in Bank reviews
and examinations
• Follow up and correct any items addressed and ensure necessary changes or
recommendations have been implemented as directed.
• Perform other job related duties as assigned
• Maintain appropriate, reliable and confidential business relations with members, realtors,
vendors and all direct and non-direct reporting staff.
• Ensure that members with inquiries, information requests and complaints are handled

3. efficiently relating to loan products and services offered.
• Responsible for verifying all underwriting requirements and conditions are resolved prior
to close.
Responsibilities at a glance:-
1. Producing Foreclosures
2. Producing NOC
3. Producing No Dues
4. Subsequent disbursement
5. Producing LOD
6. Fund request
7. Payment Release
8. Co-ordinate with agencies as payments are made or not.
9. Checking the eligibility of customer.
10.Analyzing legal reports, technical reports
11. Taking care of PDD and Deferred documents and co-ordinate with concern person to collect the
documents.
12. Resolving customer issues
14. Dispatching of files to RAMG
15. Preparing dash-board
16. Taking care of daily hurdle programme.
17. Analysis of Pricing
18. Contact with builder for builder demand.
19. Checking the file thoroughly
ARCIS E SERVICES PVT.LTD (IN BEHALF OF CITI BANK MORTGAGE LOANS)
FROM JAN-2012 TO FEB 2014
TEAM MEMBER
Responsibilities:
• . Manage Citibank mortgage and home loan credit policy.
• Analysis of customer documents required by company policy.
• Analyzing Income eligibility of customers.
• Check the property papers of customers.
• Co-ordinate with senior authority to resolve problems.
• Preparing daily MIS & analysis
• Checking eligibility as per company policy by using CLS and CIBIL.
• Checking and tracking of ECS and other debts by go through the bank statements.
• Conducting underwriting analysis of mortgage loans.
SRK FINCON PVT LTD (ON BEHALF OF CITIFINANCIAL)
SEP-2006 TO AUG-2009
DISBURSEMENT TEAM LEADER
Responsibilities:
• Recommend changes in the credit policy to senior management.
• Create a credit scoring model.
• Manage customer credit files.
• Monitor the credit granting and updating process.

4. • Accept or reject the staff's credit recommendations.
• Monitor periodic credit reviews.
• Monitor deductions being taken by customers.
• Manage the application of late fees.
• Manage the corporate financing program.
SCHOLASTICS
Bachlor of Commerce . ELLIM UNIVESITY
Council of Higher Secondary Education, Orissa Bhubaneswar, Orissa India with
2nd
Division
Board of Secondary Education, Orissa with 1st
division
CERTIFICATIONS
MBA from IDEA , Ahmedabad
GDBA from IDEA, Ahmedabad
IT FORTE
· Proficient in MS-Word, Excel, PowerPoint, Internet, I-Loan (CITI FINANCIAL
SOFTWARE) & ALPS (CITI BANK SOFTWARE),LMS, CAS, Finnacle.
PERSONAL INFORMATIONS
DOB: 5TH
JUNE, 1984
NATIONALITY: INDIAN
FATHER’S NAME: DURYODHAN SWAIN

5. MOTHER’S NAME: PRAVATI DEI
PRESNT ADDRESS:
H NO.98A
2ND
FLOOR
MADANGIR VILLAGE
NEAR SPAN HOUSE
NEW DELHI-110062
PERMANENT ADDRESS:
AT-TORASINGH
PO-PANCHUGAON
VIA-GAMBHARIMUNDA
DT-KHORDHA
ST- ODISHA
PIN-752035
LANGUAGES KNOWN: English, Hindi, Oriya and can understand Bengali.
HOBBIES: Reading news paper, watching TV, playing chess & surfing internet.
Working Conditions: Works in a fast-paced office environment. Occasional overtime may
be necessary.
DATE:
PLACE:
(Subrat Kumar)

6. MOTHER’S NAME: PRAVATI DEI
PRESNT ADDRESS:
H NO.98A
2ND
FLOOR
MADANGIR VILLAGE
NEAR SPAN HOUSE
NEW DELHI-110062
PERMANENT ADDRESS:
AT-TORASINGH
PO-PANCHUGAON
VIA-GAMBHARIMUNDA
DT-KHORDHA
ST- ODISHA
PIN-752035
LANGUAGES KNOWN: English, Hindi, Oriya and can understand Bengali.
HOBBIES: Reading news paper, watching TV, playing chess & surfing internet.
Working Conditions: Works in a fast-paced office environment. Occasional overtime may
be necessary.
DATE:
PLACE:
(Subrat Kumar)