Competitive cricket player; represented college and YES Bank teams in inter-institution tournaments, developing teamwork and leadership skills
SANEETH SHETTY
Manager – Retail Assets & Banking Operations
Mumbai
Summary
Operations Manager with 10+ years of experience in retail asset operations, post-disbursement services, and banking system implementations across leading institutions including Piramal Finance, Axis Bank, and YES Bank. Proven expertise in foreclosure, rescheduling, ARC closures, UAT, and loan management systems (FinnOne, Pennant, Flexcube). Strong track record in process optimization, stakeholder coordination, and service delivery excellence. Seeking operations or business solutions roles within banking environments.
Overview
11
11
years of professional experience
Work History
Manager
Piramal Finance Limited
Mumbai
02.2024 - Current
- Led post-disbursement operations for retail asset portfolio including foreclosure letters, loan closures, NOC/NDC issuance, and rescheduling for 15,000+ accounts monthly.
- Expertise in handling ARC (Asset Reconstruction Company) closures, coordinating effectively with internal stakeholders, legal teams, and ARC representatives for seamless execution.
- Managed diverse operational activities such as plot and construction disbursements, pre-EMI to EMI conversions, excess refund analysis, and receivable follow-up in closed accounts.
- Spearheaded multiple UAT initiatives, driving system enhancements and contributing to overall process improvement and operational efficiency.
- Handled end-to-end processes for Loan Against Mutual Funds, including proactive shortfall selling, invoke requests, and loan closures.
- Served as a key point of contact for resolving branch-level queries, ensuring timely, accurate, and compliant resolutions.
- Addressed escalations from the Nodal team and Contact Center, offering prompt and effective solutions while enhancing service delivery standards.
Deputy Manager, Business Solution Group
Axis Bank Ltd
Mumbai
09.2022 - 01.2024
- Worked in the Business Solution Group to initiate and deliver system enhancements in coordination with IT teams and external vendors, based on business and operations requirements.
- Prepared detailed Business Requirement Documents outlining scope, functionality, and implementation guidelines.
- Designed and executed comprehensive test cases for end-to-end validation of system changes.
- Led and supported multiple projects within the FinnOne Loan Management System (LMS).
- Managed the implementation and enhancements of a newly developed system for end-to-end NACH registration and banking processes.
- Maintained project documentation, and delivered progress reports to senior management.
- Generated MIS and analytical reports to support business decision-making and system optimization.
Deputy Manager, Operation and Service Delivery
YES BANK
Mumbai
03.2016 - 09.2022
- Managed post-disbursement service requests, including foreclosure, rescheduling, cancellations, and collection closures (settlement and repossessed vehicle cases).
- Led periodic interest rate review processes for floating-rate loan portfolios, as per internal policy.
- Played a key role in multiple UAT initiatives and process improvement projects.
- Built strong product knowledge across retail asset offerings.
- Trained and mentored team members to improve productivity and compliance adherence.
- Served as a key support contact for branch queries and operational clarifications.
- Oversaw centralized processing of personal loan DD printing, and customer refunds.
- Managed EMI repayment operations, dealer funding MIS, and banking activities.
- Implemented workflow improvements to reduce turnaround time, and improve service quality.
Marketing Executive/Jr Software Engineer
Adroit Corporate Services Ltd
Mumbai
08.2014 - 03.2016
- Handled NACH processing and query resolution for nationalized and cooperative banks, including Syndicate Bank, Corporation Bank, Bank of Maharashtra, OBC, UCO Bank, and Chembur Nagrik Sahakari Bank.
- Conducted client visits for presentations, user training, and technical troubleshooting of NACH solutions.
- Acted as a liaison between business stakeholders and technical teams to translate system workflows into user-friendly processes.
- Identified improvement opportunities and supported the optimization of NACH system features.
Education
12th - Science Education
Thakur College
Mumbai 08.2007 - 2009.04
10th -
JOHN XXIII High School
Virar 07.2006 - 2007.03
Bachelor of Engineering - Electronics and Communication
Visvesrai Technology University
Mangalore 08.2009 - 2013.07
Skills
Team Handling
Additional Information
- Core Banking: Flexcube
- Loan Systems: FinnOne, Pennant
- MS Excel (Pivot Tables, MIS, Reporting), PowerPoint
- Interest Calculation & Accounting Workflows
- UAT for New Modules & System Enhancements
Interests
Passionate trekker with experience across four Himalayan ranges, demonstrating resilience, planning, and endurance
Enthusiastic traveler and motorcycle rider who enjoys exploring new cities and cultures
Timeline
Manager
Piramal Finance Limited
02.2024 - Current
Deputy Manager, Business Solution Group
Axis Bank Ltd
09.2022 - 01.2024
Deputy Manager, Operation and Service Delivery
YES BANK
03.2016 - 09.2022
Marketing Executive/Jr Software Engineer
Adroit Corporate Services Ltd
08.2014 - 03.2016
Bachelor of Engineering - Electronics and Communication
Visvesrai Technology University
08.2009 - 2013.07
12th - Science Education
Thakur College
08.2007 - 2009.04
10th -
JOHN XXIII High School
07.2006 - 2007.03
AVAILABILITY
- Notice Period: 90 Days
- Willing to relocate within UAE: Yes