NISHANT BHARDWAJMobile: +91 9013035577, +91 9899796722 ~ E-Mail: bhardwajnishant1990@gmail.com

OPERATIONS /FINANCE PROFESSIONAL Business Banking Operations ~ Retail Asset Management ~ Core Operations

A multi-faceted professional, skilled in blending creative intellect / insight and sharp planning skills for managing processes and operations & meeting top / bottom-line objectives

PROFILE SUMMARY A dynamic professional with Qualitative Experience of Total 4.6 years in Business Banking Operations,

Marketing, Business Development and KPO Operations. Proficient in Business Banking- Retail Asset Operations Expertise in pre and post disbursement of Business Banking loans, Loan Maintenance Services and

Loan Closure Loan closures/ part payment adjustments/ Refunds An out-of-the-box thinker with excellent leadership skills and demonstrated abilities to meet deadlines & work

under pressures. Interact easily with people of diverse backgrounds, cultures, and professional levels Recognized with award ‘Best TAT- LMS & Closure’ at HDFC PAN India level Loan statements issuance, NOC de-blocking , EMI & ROI revisions, Partial and Prepayment Successfully dealt with transition and implementation of new sub-process- Term Loan Management and Closure Excellent interpersonal, analytical & negotiation skills with proven track record of spearheading various cost

innovation projects during the career span Relevant experience of KPO/ Finance and Shared Service Environment Have an eye for detail and able to work under pressure Actively promote the sharing of knowledge within the group Contributed pro-actively for building team spirit Preparing Monthly data quality and MIS reports Management of Centralized Processing Service

PROFESSIONAL OUTLINEBusiness Banking Operations~ Loan Disbursement ~ CAM ~ New Product Maintenance~ Loan Maintenance Services ~ Customer Query Management ~ Strategic Alliances~ Documentation ~ Pricing / Positioning ~ Growth Initiatives~ Regional MIS Management ~ Team Management ~ Service Vendor Negotiations

Training & Development~ Off/ On Job Training ~ Training Need Analysis ~ Behavioral and Morale Training ~ Man-Hours Management ~ Experiential Training ~ Reality Learning ~ Mail Management ~ SOP’s Development ~ Performance Enhancements

ORGANIZATIONAL EXPERIENCE

Since January 2014: HDFC Bank, Gurgaon as Assistant Manager - Business Banking OperationsKey Result Areas: CPU OPS – NORTH INDIA Loan Maintenance & Servicing- Handle post disbursement activities such as LMS, Cam Renewal/Update and

Foreclosure of Business Banking Loans across North India Maintenance and Closure of Cash Credit Limit, LAP, Term Loan, DOD and ODs ( Mortgage, Working Capital and

Agriculture SEGMENTS) MIS & Reporting- Report Pre/Post disbursement. Report discrepancies to the central team to ensure 100%

compliance across facilities availed by the customer Document requirement across products Data entry, validation and disbursement across systems Query management across distribution channels Contribute to new product development Partner/Vendor management All round experience of working with multiple loan systems Managing risk and Practice management Handling A Team of 3 Senior Bank Officers and 2 Vendor Staff

Training Attended: Basic Banking Fundamentals Planning and Organizing Motivational and Negotiation Skills

Software Knowledge: Flexcube & Finone UBS

Citrix Based Applications One Source

January 2012 – September 2013: Intact Infomedia Pvt. Ltd., New Delhi as Marketing & BD HeadKey Result Areas: Handled deals and co-ordinate with UK Merchants and UK clients on regular basis Ensured genuine and legal deal confirmation and payment processing with A1Comms Ltd. (UK) Handled all client meetings, calls, documentation and business development for India. Research and reporting on external opportunities Approached existing and potential customers in USA and UK. Managed customer journey (customer relationship management) Developed the marketing strategy and plan with developing guidelines Management of the agencies, corporate contracts and budgets Measured success and ensure timely delivery of completed projects Ensured the continuity of all marketing approaches for business Prepared business contracts and proposals Arranged, co-ordinate and close organizational interview Represented Intact Infomedia Pvt. Ltd at HT Shine Job Fairs as Interviewer

June 2010 – January 2012 with Hays Business Solutions, Gurgaon as Process ExecutiveKey Result Areas: Worked for KPO and Shared Services Projects (UK) Handled six various sub-processes Managed and maintained data and standards of data integrity Record keeping, created and maintained hierarchies reports for the client and its subsidiary companies Mentored new hires and assessed them on process and shared feedback Provided floor support Created SOPs for process streamline and improvement

EDUCATION PGDBA in International Business & Advertising from Symbiosis(SCDL), Pune in 2015 with 60% (Diploma Awaited) BBA from L.D.I.M.S, (GURU GOBIND SINGH INDRAPRASTHA UNIVERSITY), Delhi in 2010 with 63% XII from S.CE.SSS Delhi, in 2007 with 60% (CBSE) X from S.CE.SSS Delhi, in 2005with 60%(CBSE)

Co – Curricular Achievements Trained in Certified Taek-won-do Nidar Camp organized by Delhi Police Played as Batsman-Wicketkeeper for HDFC Bank, Intact Infomedia Pvt. Ltd and HBS in Corporate Teams Won many awards in Art and Sketching Competitions throughout Academic and Professional span Flawlessly Organized sports and cultural events

IT SKILLS

Conversant with Windows, MS Office (Word, Excel, PowerPoint) & Internet ApplicationsPERSONAL DETAILS

Date of Birth: 11th May, 1990Father’s Name: Mr. Taleshwar BhardwajCurrent Address: RZ/M-5/265 A, Sangam Market, West Sagarpur New Delhi - 110046Languages Known: English & HindiLocation Preference: Delhi/NCR