1. RESUME
Name : Mr. Rajesh Pandey
Address : Room No.6, Meghai Society, S.N Dube Road,Rawal
Pada, Dahisar (E), Mumbai-400068.
Contact Details:
Mobile No. : +91-7039590764
Email ID : rajeshpandey@hathway.net
CareerCareer ObjectiveObjective
To seek a career where I can utilize my experience, knowledge and skills in order to
contribute to the success of the process handled and organization. Also to learn the in-
depth knowledge of Financial Processes.
Professional Experience Details :-
Job Experience 1 : -
• Currently working with ICICI Securities Ltd as Manager (Operations and Customer
Service) .
• Managing a Team Strength of 34 team members.
Period:- From June-2008 till Date.
CTC:- 6.70 Lakh + Variables.
Job Responsibilities :-
 Responsible for AOF Processing & Operations for Mumbai Region for product such as
Bank a/c, Trading a/c, Demat a/c, ATS Product , NRI A/C, Overseas Trading, Mutual
Funds, Currency Derivative a/c, and Insurance Products & KYC Operations.
 KYC Operations with regards to A/C opening. Handling field staff for executing KYC
process with due diligence. Coordinating with KRA Agencies for the smooth updation
and on-boarding of CM. Coordinating with fraud prevention group in case of profile
decline cases.
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2.  Handling NRI Rectification Desk – Pan India which includes sending mailers to NRI
Customers whose forms are having rejections and regularly co-ordinating with
Customers / Bank Regional Processing Centers / Bank Central Processing Centers / Pan
India and International Offices Sales Team.
 IPO & Bond bidding and getting all the application executed on exchanges.Also
responsible for banking of chq’s received with the IPO applications.
 Credit Card Application Processing till the approval.
 Tat Monitoring / AOF account opening Tracking / Handling Audit Compliances / MIS &
Reports maintenance/ Coordination with Regional and Central Processing Units /
Reconciliation of all the process related MIS.
 Managing Customer Service Desk which includes Walk-In Customers, Raising Service
Requests and Execution of the Service Request received from Central Customer Service
Team, Resolution of all the issues related to Bank Account / Demat Account / Trading
Account, Settlement queries.
 Sending Welcome Kits and initiating welcome calls after the a/c is been opened.
 Banking of all cheques received from IPO & Bonds biddings, Margin funding cheques
recd from CM and maintaining the related Mis.
 Handling NRI Rectification Desk – Pan India which includes sending mailers to NRI
Customers whose forms are having rejections and regularly co-ordinating with
Customers / Bank Regional Processing Centers / Bank Central Processing Centers / Pan
India and International Offices Sales Team.
Working on following System Application:-
 Finnacle
 FCRM
 Pivotal
 ICIS.
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3. Achievements:-
 Region stands No.1 in Account Opening in Pan India in terms of A/C opening and
TAT.
 Region also stands No.1 in Private Wealth Customers // Active Trade Services // HNI
Customers account opening in Pan India.
 All the hubs are 100% process compliant and no issues reported till date in all the
External and Internal Audits.
 Implementation of 360” Degree & Six Sigma working environment.
Job Experience 2 :-
Worked with Kotak Mahindra Prime Ltd as Deputy Manager Operations (Disbursement &
Banking).
Period:- From Sept-2006 To June-2008.
Job – Responsibilities : -
1] Pre-disbursement & Post Disbursement Operations activities:-
 Responsible for Disbursement Operations for 5 Cities Viz Mumbai, Nagpur,
Nasik,Pune & Goa & Heading a Team of 18 members out of which 8 were directly
reporting to me.
 Products handled New & Used Car Loans / Imported Car Loans / Lease Cases /
Personal Loans / Plant & Machinery Term Loans.
 Application loading / Auditing of Files / Banking of IP Chq / Discrepancies reporting /
Franking of Agreements.
 Data entries of Files / PDC & ECS in Application System. Payments Processing
through Cheques printing & Wholesale Adjustments.
 Payments Authorization / Issuing of Release Order / DD Processing / Booking
Payments / Release Order & Payments MIS. Working of Funds Requirement.
 PDC / ECS / Agreement handover to Banking team. Foreclosure cases request to
NOC team. Execution of SLA / DMA & Vendors Agreements. Initial Payments Cheques
reconciliation / Credit & Debit balances analysis / Accounting Transtype analysis / ECS &
PDC cash flow analysis. MIS of RC Limit cases / Temporary Waivers / Flat Cancel Cases /
Form B requests / Kotak Synergy accounts.
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4.  PDD Updation / Brokerage Payments / Payments to TATA Aig & Kotak Life Ins / Files
retrieving from storage vendors. Processing of Transfer of Equity cases. Customer -
Service Queries resolutions. Reconciliation of Franking used & Liaison with Stamp Office
for Maintenance & Refilling of Stamping amount. Reconciliation of Accountable Docs
such as Cheques used / Folios / Agreements / Franking Vouchers.
 Agreement writing & dispatching the Customer Copies. Welcome Kit / Insurance
Certificatepreparation & dispatch. Post disbursement Agreements and documents
dispatching to storage vendors & its MIS.
2] PDC Banking:-
 Banking of PDC's (Post Dated Cheques) of Customers on due date.Reconciliation of
PDC banked, PDC retrieved to Bank.Processing of ECS of Hub and Spokes locations.
 Reconciliation of PDC banked, PDC retrieved to Bank. Processing of ECS of Hub and
Spokes locations.Daily accounting of cash / chq's received from customer.Updation of
Dishonor in system and checking with bank statement.
 Updation of Customer Accounts based on the Information received from Spokes
Locations.Coordinating with Hubs & Spokes locations for Banking entries received.Co-
ordinating with bankers for any banking related queries.
 Resolving queries of Customer service and Collection Dept. Swapping of PDCs.
Job Experience 3 :-
Worked with HDFC Bank Ltd as Executive Retail Assets Operations & Customer Service.
(Disbursement / Customer Service & PDC Banking).
Period:- From Sept-2005 To Aug-2006.
Job-Responsibilities: -
 Responsible for the Whole Retail Asset Operations at Branch Level. Handling a Total
team of 13 peoples reporting to me.
 Retail Asset Operations of products such as Personal & Business Loans, Two Wheeler
Loans, New Auto & Used Car Loans, Car Overdraft Loans, Loan against shares.
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5.  Responsible for all the Operations Process such as Auditing loan files (Post Credit
Approval), Disbursal, Foreclosure, Customer Service, Inventory Funding, Collections,
Post Dated Cheque’s & Cash Management System, Managing Post Disbursal
Documents, DSA Payouts, Initial Payments Reconciliation.
 Checking all the process related to Post Credit Approval such as CPV result,
Deviations, Dedupe report, RIC Status, Credit Approval Memo properly prepared, any
Subject to conditions, Televerification report, Personal discussion records. In addition,
also all the above particulars is been updated in Loan Operating Systems meant for the
disbursement. In brief complete check of all the Credit process adhered to as per the
policy laid down.
Working on following System Application:-
 Finnacle
 FCRM
 RAMS
 Loan Origination System (LOS).
Job Experience 4 :-
Worked with ABN AMRO as Officer Operations. (Consumer Lending Process).
Period:- From Nov-2004 To Aug-2005.
Job-Responsibilities : -
 Back Office Operations of Loans Product which includes Verifications of Loans
Documents, Analysis, & Indexing. Indexing and verification activity of Consumer loan
documents.
 Identify and index a high volume of electronic images. Recognize a variety of
consumer loan documents and identify specific elements within such documentation.
 Accurately analyze these images so that documents can be associated with a proper
applicant file. Forwarding the correct request of the Customers to the correct processing
dept.
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6. Job Experience 5 :-
Worked with Hathway Cables & Datacom Pvt Ltd as Executive Billing & Collections
Period:- From Jul-2003 To Nov-2004.
Job-Responsibilities : -
 Handling Team of 6 Billing & Collections Officers. Responsible for Pre-Billing & Post
Billing Backend Operations as per the Billing Cycles.
 Maintaining MIS of Banking Transaction regarding Payments made by the
Clients.Coordinating with the Customer (Corporate/Individuals} for the billing related
issues.
 Passing of Dr & Cr Notes if there is excess/less Billing. Preparing Manual Bills as per
the Requirement if the Original Bills are not Correct.
 Sending Reminders Letters to the defaulters who have not paid the Dues before the
Due Dates. Replying to Clients E-Mails on daily Basis regarding any Billing/Payments
related issues.
 Coordinating with the Sales Dept, regarding Verification of the Work Order / Purchase
Orders, CRF Forms, Legal Documents, Credit Approval on Offers, processings of the
Cheques received with the CRF form etc.
Job Experience 6 :-
Worked with Lovelock and Lewis Services Pvt Ltd as Executive Back Office Operations
Period:- From Mar-2002 till July-2003.
Job-Responsibilities: -
 Worked as an Executive (Operation) in HSBC Home Loans Dept in Pre-Approval &
Approval Stages which includes the verification of the Income documents, raising
discrepancies & Telephonic Verification and Checking of various criteria meeting the
banks policy.
 Worked as an Executive in the Back Office Operation Department of HSBC Credit
Cards.The Operation includes the Processing of the Credit Card Application with respect
to scrutinizing the Application area-wise and the Verification of the Income documents,
Negative Area, Negative Profile, Blacklisted Company, Telephonic-Verification
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7. Academic Background:
Course Institute Board/University Year of Passing
MBA in Banking &
Finance
Narsee Monjee
Institute of
Management Studies
Mumbai
Currently doing
through
Correspondence
B.COM Chinai College of
Economics and
Commerce.
University of Mumbai. June’1996.
H.S.C Kamla Junior College Maharashtra Board. June’1993.
S.S.C St. Thomas High
School
Maharashtra Board. June’1991.
Advance Diploma in Information Systems
 Diploma in Computer Application from “Intech Institute” Basics, Microsoft Office Packages
(Word, Excel, Power Point, Access).
 Six Sigma Exams cleared ( Yellow & Blue Belts).
Personal Information:
Date of Birth : 18’th August 1976.
Religion : Hindu
Marital Status : Married
Languages known : English, Hindi, Marathi and Gujarati,
I hereby confirm that the above information is correct to my knowledge.
Date :- 05-04-2016.
Place:- Mumbai, Maharashtra.
Rajesh Pandey
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