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Sankalp Srivastava

Deputy Manager @HDFC Bank Ltd. || Retail Banking operations || Product & Process || Serving Notice Period

Varanasi

8+ years of work experience

HDFC Bank
Jul 20251 yrPresent

•Own end-to-end gold loan disbursement; maintain <45-min TAT from appraisal to disbursal. •Handling branch operations, including cash management, cheque processing (NEFT, RTGS etc.), customer service and ATM functions. •Monitoring key performance indicators (KPIs) to measure branch performances. •Adhering to and enforcing defined policies and process to maintain regulatory compliances. •Promoting and cross-selling of CASA, FD & RD along with third-party products, including Life/General insurance, etc. to meet branch revenue targets.
HDFC Bank
Apr 20241 yr 3 mosJun 2025

On-site

•Processed 200+ retail asset disbursements/month across five different LOS platforms with <1% error rate for multiple retail asset products (TW, AL, PL, BL, CV, CE & Tractor Loans). •Led pre/post-disbursement compliance audits; implemented SOP revisions reducing audit findings by 35%. •Delivered post disbursement services to the customers. •Conducted regular compliance audits for pre and post disbursement processes, identifying and rectifying process gap.
Bandhan Bank
Mar 20231 yr 2 mosApr 2024

Kolkata, West Bengal, India

Part of a Central Product Team 1000 +cr Portfolio of Personal Loans (Unsecured Loans-Retail Lending). Created and developed the way forward for Digitalization of the product/ process for our 500+ people on the ground and for our Business Channel Partner (DSA) as well. Seasoned in making the robust Process & Policy by analysing the business porfolio and the market feedbacks for enhancement and betterment of the product. The role involves : i) Migration of Core Banking System( FIS to FLEX CUBE) ii) Negotiated and revamped the entire credit insurance process. iii) Introduced and implemented e-NACH for repayment. iv) UAT (User Acceptance Test) for LOS & LMS v) Raising BRD ( Business Requirement Document) vi) Analysis of the current process and enhancment vii) Portfolio & process analysis to mitigate risk and compliance. viii) Loan Lifecycle Testing. ix) Implementation of the product/process.
Bandhan Bank
Mar 20231 yr 2 mosApr 2024

•Played a pivotal role in testing new CBS features during migration to the new Core Banking System. •Implemented, E-NACH process for personal loans—delivered within two sprints from concept to go-live. •Conducted UAT testing for three distinct LOS for personal loans, ensuring seamless implementation. Reconciled insurance GLs, fixed posting errors, and streamlined the digital insurance process for personal loans through UAT, MIS, and stakeholder coordination for timely policy issuance. •Spearheaded collaboration with insurance provider for product enhancement, UAT testing, & product launch. •Configuration of product parameters and business rule engine (BRE) for the existing LOS/LMS/CBS. •Drafted & reviewed process flows and Business Requirements Documents. •Designed training for 250+ staff; cut product queries by 50%, boosted disbursement FTR by 50%. Analyzed portfolio, conducting trend analysis and segmentation by product type, distribution channel and regions. •Assessed business process, anticipated operational needs and shortcomings and pinpointing areas that require attention.
Kotak Mahindra Bank
Aug 20211 yr 8 mosMar 2023

Varanasi, Uttar Pradesh, India

Retail Liabilities Operations
Kotak Mahindra Bank
Aug 20211 yr 8 mosMar 2023

Branch level MIS reports & GL Reconciliations. Responsible for KYC, DVU check for account opening and customer onboarding. Monitored branch score card parameters including service and quality. Processing of financial transactions including cash management, NEFT, RTGS etc.
Utkarsh Small Finance Bank
May 20183 yrs 4 mosAug 2021

Varanasi, Uttar Pradesh, India

* Business Requirement Documents (BRD) * User Acceptance Test for implementing/mapping the products in LOS/LMS. * Research for improvising the products and for the existing projects. * Analysis of business and process requirement . * Product training * GL reconciliations.
Utkarsh Small Finance Bank
May 20183 yrs 4 mosAug 2021

Drafted & designed Two-wheeler Loans product & process notes. User Acceptance Test for implementing the products in LOS/LMS/CBS. Built quality control checks for JLG, Two-wheeler and Business loans. Drafted Business Requirement Documents (BRD). Branch, Dealer visits and market research to improve the products features.

Education

Institute of Management Technology, Ghaziabad

Executive PGDM, Business Analytics

Institute of Management Technology, Ghaziabad

20242 yrs2026
Banaras Hindu University

Postgraduate Degree, Development Studies

Banaras Hindu University

20202 yrs2022

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Headline

Deputy Manager @HDFC Bank Ltd. || Retail Banking operations || Product & Process || Serving Notice Period

Location

Varanasi

Work experience

Gold Loan Officer at HDFC Bank, Jul 2025 - Present · 1 yr, •Own end-to-end gold loan disbursement; maintain <45-min TAT from appraisal to disbursal. •Handling branch operations, including cash management, cheque processing (NEFT, RTGS etc.), customer service and ATM functions. •Monitoring key performance indicators (KPIs) to measure branch performances. •Adhering to and enforcing defined policies and process to maintain regulatory compliances. •Promoting and cross-selling of CASA, FD & RD along with third-party products, including Life/General insurance, etc. to meet branch revenue targets.

Deputy Manager at HDFC Bank, Apr 2024 - Jun 2025 · 1 yr 3 mos, On-site, •Processed 200+ retail asset disbursements/month across five different LOS platforms with <1% error rate for multiple retail asset products (TW, AL, PL, BL, CV, CE & Tractor Loans). •Led pre/post-disbursement compliance audits; implemented SOP revisions reducing audit findings by 35%. •Delivered post disbursement services to the customers. •Conducted regular compliance audits for pre and post disbursement processes, identifying and rectifying process gap.

Deputy Manager at Bandhan Bank, Mar 2023 - Apr 2024 · 1 yr 2 mos, Kolkata, West Bengal, India, Part of a Central Product Team 1000 +cr Portfolio of Personal Loans (Unsecured Loans-Retail Lending). Created and developed the way forward for Digitalization of the product/ process for our 500+ people on the ground and for our Business Channel Partner (DSA) as well. Seasoned in making the robust Process & Policy by analysing the business porfolio and the market feedbacks for enhancement and betterment of the product. The role involves : i) Migration of Core Banking System( FIS to FLEX CUBE) ii) Negotiated and revamped the entire credit insurance process. iii) Introduced and implemented e-NACH for repayment. iv) UAT (User Acceptance Test) for LOS & LMS v) Raising BRD ( Business Requirement Document) vi) Analysis of the current process and enhancment vii) Portfolio & process analysis to mitigate risk and compliance. viii) Loan Lifecycle Testing. ix) Implementation of the product/process.

Product Coordinator at Bandhan Bank, Mar 2023 - Apr 2024 · 1 yr 2 mos, •Played a pivotal role in testing new CBS features during migration to the new Core Banking System. •Implemented, E-NACH process for personal loans—delivered within two sprints from concept to go-live. •Conducted UAT testing for three distinct LOS for personal loans, ensuring seamless implementation. Reconciled insurance GLs, fixed posting errors, and streamlined the digital insurance process for personal loans through UAT, MIS, and stakeholder coordination for timely policy issuance. •Spearheaded collaboration with insurance provider for product enhancement, UAT testing, & product launch. •Configuration of product parameters and business rule engine (BRE) for the existing LOS/LMS/CBS. •Drafted & reviewed process flows and Business Requirements Documents. •Designed training for 250+ staff; cut product queries by 50%, boosted disbursement FTR by 50%. Analyzed portfolio, conducting trend analysis and segmentation by product type, distribution channel and regions. •Assessed business process, anticipated operational needs and shortcomings and pinpointing areas that require attention.

Assistant Manager at Kotak Mahindra Bank, Aug 2021 - Mar 2023 · 1 yr 8 mos, Varanasi, Uttar Pradesh, India, Retail Liabilities Operations

Service Officer at Kotak Mahindra Bank, Aug 2021 - Mar 2023 · 1 yr 8 mos, Branch level MIS reports & GL Reconciliations. Responsible for KYC, DVU check for account opening and customer onboarding. Monitored branch score card parameters including service and quality. Processing of financial transactions including cash management, NEFT, RTGS etc.

Product Manager (Micro Banking Two Wheeler/Individual Loans) at Utkarsh Small Finance Bank, May 2018 - Aug 2021 · 3 yrs 4 mos, Varanasi, Uttar Pradesh, India, * Business Requirement Documents (BRD) * User Acceptance Test for implementing/mapping the products in LOS/LMS. * Research for improvising the products and for the existing projects. * Analysis of business and process requirement . * Product training * GL reconciliations.

Product Support Specialist at Utkarsh Small Finance Bank, May 2018 - Aug 2021 · 3 yrs 4 mos, Drafted & designed Two-wheeler Loans product & process notes. User Acceptance Test for implementing the products in LOS/LMS/CBS. Built quality control checks for JLG, Two-wheeler and Business loans. Drafted Business Requirement Documents (BRD). Branch, Dealer visits and market research to improve the products features.

Education

Executive PGDM, Business Analytics, Institute of Management Technology, Ghaziabad

Postgraduate Degree, Development Studies, Banaras Hindu University