M VIVEK

Project 1- SFW (SME Financial Work Flow)- Designed and developed a loan origination and disbursement platform for mortgage products, streamlining end-to-end processes from application intake to loan approval and fund release.

• Implemented workflow automation for credit checks, eligibility validation, and EMI schedule generation, reducing manual processing time by 40%.
• Built secure API integrations with third-party credit bureaus and payment gateways to enable real-time validation and seamless disbursement.
• Developed responsive web modules for customer onboarding, document upload, and loan tracking using [tech stack: e.g., Java, Spring Boot, Angular, SQL].
• Collaborated with cross-functional teams (business analysts, operations, QA) to ensure regulatory compliance and improve user experience, resulting in a 25% faster loan processing cycle. Elicit & Translate Business requirement to User Stories/BRD/FRD/SRS.

Project 2 -Mortgage Loan Document Management System (DMS)

• Led requirements gathering and analysis for a DMS solution to digitize and centralize mortgage loan documentation, improving accessibility and compliance.
• Defined business workflows for document upload, verification, version control, and approval to streamline loan processing.
• Collaborated with stakeholders (operations, legal, compliance, and IT teams) to translate regulatory requirements (KYC, AML, RBI norms) into functional specifications.
• Created BRDs, FRDs, and process flow diagrams to ensure alignment between business needs and technical implementation.
• Worked with development teams to design secure document indexing, search, and retrieval features, reducing document retrieval time by 50%.
• Conducted UAT and stakeholder workshops, ensuring system functionality met business expectations before go-live.
• Supported change management and user training, enabling smooth adoption of the DMS across loan disbursement teams.

Project 3- Retail Collateral Linkage System (RCLS)

• Gathered and analyzed business requirements for developing an RCLS platform to automate the linkage of retail collaterals (property, deposits, securities) with corresponding loan accounts.
• Defined business rules and validation checks to ensure accurate collateral mapping, improving risk assessment and regulatory compliance.
• Collaborated with credit, operations, and compliance teams to design workflows for collateral creation, modification, release, and monitoring.
• Prepared BRDs, FRDs, process flow diagrams, and data mapping documents, ensuring clarity between business needs and IT development.
• Coordinated with developers to integrate RCLS with the SFW (SME Financial Work Flow) for real-time collateral validation during loan sanction and disbursement.
• Designed exception-handling scenarios (e.g., incorrect collateral tagging, partial lien release) to reduce operational errors.

• From 2014–2019, worked in Loan & Branch Operations, specializing in loan portfolio management, trade operations, and secured lending (CLAP).
• Managed 750+ loan accounts across 45 branches, handling CC/OD renewals, fresh disbursals, and term loan monitoring within defined TAT.
• Ensured compliance by scrutinizing KYC, sanction orders, collateral, legal, valuation, insurance, GST, and audit documents.
• Coordinated with banks for loan documentation, approvals, covenant compliance, and collection of processing penal charges.
• Processed Trade Operations including Advance & Direct Remittances, Bill Discounting, Packing Credit, and Export Credit Advances.
• Negotiated foreign exchange rates with dealers, achieving favorable terms for customers.
• Led CLAP loan disbursement operations, managing property/legal document verification, facility agreements, and CERSAI updates.
• Supervised and mentored a team, ensuring timely post-sanction activities and compliance with audit observations.
• Oversaw documentation archival by verifying and securely storing mortgage and loan facility documents.
• Handled branch operations, including transaction authorization, clearing, cash management, and customer service.