Mohit Kumar Uppal

Objective

I am a qualified and professional employee with five years of experience in the secured loan industry,
especially in the gold loan segment. However, currently, I am taking charge over operational activities of
unsecured business loans and loans against property. I am looking for a more challenging role in the
lending industry, that not only focuses on operational efficiency but also working together with other
departments in order to achieve organizational goals.

Experience

• Findoc Finvest Private Limited | NBFC Operations Lead June 2023 – Present
  As an operations lead, I am duly responsible for different kinds of operational activities related to demand
  loans, overdraft loans, personal loans and education loans.
   Customer Onboarding
   KYC and Credit Checks
   Documents Collection and Securitization
   Field Verifications, asset, liability and profitability assessment of a borrower
   Creation of Loan Agreement and other related documents
   Processing Loan transactions such as Disbursements, Repayments, Closure etc.
   Loan portfolio tracking and focuses on NPA reduction
   Preparing monthly MIS and other reports
• India Infoline Finance Ltd. | Senior Gold Loan Officer June 21 – Mar 2023
  As a senior officer, I was held accountable for the sales and operations department of the Ludhiana
  branch office.
   Welcoming clients and assessing their financial requirements
   Coming up with recommended plans and schemes
   Verification of Pledged Gold Ornaments
   Preparation of Loan Documentation such as KYC, Credit and Loan Agreement
   Making an understanding of loan agreement terms and conditions with borrowers
   Timely collection of outstanding amounts from clients
   Offering cross-sales products such as Health Insurance, NCD, Mutual Funds, Demat accounts
  etc.
• Muthoot Finance Ltd. | Relationship Executive Feb 18 – Jan 2021
  I had started my career as a front desk relationship executive with India’s leading NBFC in one of their
  gold loan branch in Ludhiana.
   Facing gold loan queries of walk-in clients and over-calls
   Understanding their requirements and offering the best available schemes
   Processing loan documentation and collection of KYC and Banking
   Processing client onboarding in CRM software, and various loans related transactions in CBS
  Software
   Proper gold valuations and other checks to ensure no fraudulent lending
   Fetching daily, weekly and monthly reports to track loan portfolio and maintain loan health card
   NPA recovery through field verifications and follow-ups
   Approaching new clients through marketing, references, cold calls and emails
   Offering cross-sales through various channels such as Tele-calling, visiting clients personally

Education

• Panjab University Chandigarh, Master of Commerce (M.Com) 2020
  Major: Business/Commerce | Percentile: 67%
• Panjab University Chandigarh, Bachelor of Commerce (B.Com) 2016
  Major: Business/Commerce | Percentile: 70%

License & Certifications

• NISM | Mutual Fund Distributor V-A 2023
  Sector: Mutual Fund Industry | Percentile: 76% | Reg. No. NISM-202300085705
• IDP | IELTS 2022
  Sector: English Language Testing | Band: 7 Overall | Certificate No. 22IN314191UPPM855A
• NSDC | Data Entry Operator 2018
  Sector: Skill Development
  Skills & Abilities
   Management
   Problem-solving
   Communication
   Leadership