Divyashree M B

Divyashree M B-|Bangalore|- | https://www.linkedin.com/in/divya-shree-6a688a226/ Work Experience KLUB WORKS PRIVATE LIMITED -Sep’23 – Jan 25 Team Leader – OPERATIONS ● Managed estimation, projections, and reconciliation of First Loss Default Guarantee (FLDG) and coordinated with NBFCs to ensure ongoing policy alignment and accurate financial records. ● Oversaw end-to-end loan and disbursement operations, including loan processing, NACH authentication, splits setup, invoicing, document verification, agreement negotiations, TDS compliance, and disbursements, all in adherence to SOPs and regulatory guidelines for Private Placement. ● Partnered with major platforms (PayTM, Amazon, Flipkart, Zomato, Swiggy, Cashfree, etc.) to implement Digital Lending Guidelines (DLG) in the setup of Splits. ● Conducted regular training sessions for new and existing team members and developed a dedicated training center. ● Led process improvement initiatives to enhance efficiency and effectiveness in disbursement operations. ● Collaborated with cross-functional teams, including Underwriting, Product, Risk, and Customer Support, to improve processes and boost customer experience. ● Worked closely with technology and product teams to translate business requirements into in-house tools. ● Directed KYC and NACH process management for onboarding new B2B clients, ensuring full compliance with regulatory standards. MyShubhlife, Nov 2017 – July 2023 Operations Manager Operations Manager with 8 years of experience in strengthening compliance, improving processes, and elevating output quality and customer satisfaction. Substantial knowledge of process optimization and Data analysis. ● Actively monitor the timing of new deals, loan modifications and pay-off activity to ensure operational readiness and the ability to process these transactions according to identified timeframes and divisional operating procedure. ● Handling a 100 Cr+ lending portfolio. Programming their partnership with MobiKwick, FINO Payments Bank, Pine labs, etc to scale the business 1000 Cr portfolio for the revolving line of Credit. Manage new tech feature launches. Leadership: Managed a program mgr. to scale & accelerate the growth of business ● Synthesized strategies at the cross-section of eng, finance, product, marketing and sales; conducted competitive landscape analysis, defined business strategy & prepared detailed presentations Automation of Operational Processes and a/c’ing MIS. ● Maintain all project plans to ensure compliance to collaborate with stakeholders for all implementation processes. ● Lead, motivate, and support a large team of 16 members within a time-sensitive and demanding environment, including career development plans for direct reports and problem resolution. ● Managed a working relationship of 8 different internal team to drive disbursements of INR 50cr in month. ● Designed and implemented viable operating mod el to increase the sales 2X. ● Manage data collection, reconciliations for the updating of metrics to achieve productivity targets, reduce cost per unit, eliminate errors, and deliver excellent customer service. ● Team Leadership & Support: Managed and guided a B2C telesales outbound team, ensuring they met sales targets through training and ongoing support. ● Sales Growth & Strategy: Developed effective sales plans to increase revenue, working closely with management to set and achieve goals. ● Performance Tracking & Improvement: Monitored sales numbers, identified areas for improvement, and helped the team enhance their productivity. ● Team Motivation & Recognition: Created a positive work environment by providing feedback, recognizing achievements, and keeping the team motivated. Tata Capital Financial Services, Apr 2016 – Nov 2017. Senior Operation Executive ● Checking the login documents and Cross Verification of all credit related documents, KYC documents, Income document etc. ● The main purpose of this position is to lead, manage and coordinate the activities of overall operations of the company; understand the business nature and market requirement and creates internal policies related to day to day operation of login and Disbursement. ● Identifying operation related issue to maximize efficiency in terms or time, cost and resources . ● Influencing & persuading individual clients, teams and organization and participating to resolve internal or external issues. ● Preparation of Sanction letter and Post sanction document for Secured cases, Mortgage deed & DM. ● Evaluating the PDD-document, valuation report and legal report before disbursement. ● Preparation of MIS (Cattle insurance, Rejection, TAT, and Disbursement). Fincare Small Finance Bank, July 2014 – Jan 2016 Operation Executive ● ● ● ● Updating the loan application details into the CAM system and achieving the target in it. Approving the batches of SHG loans in the system by analyzing all the KYC details of the customer. Processing all the approved cases for disbursal by verifying their documents at PSD and PDD stage. Preparation Preparing Dashboard summary excel sending to All Regions. Handling from approval to disbursal stage. ACHIEVEMENTS ● Implemented and streamlined cutting-edge data management procedures, improving the operational efficiency of the company by 5% - Myshubhlife (Q3 2022) ● Helped onboard 3 new top partners, bringing them up to speed with the bank’s rules and policies. - Myshubhlife Myshubhlife (Q2 2022) ● Star of the month – Many Times for maintaining good quality and for taking extra initiatives and activities - Tata Capital Financial Services (Mar, June, Sep -2017) SKILSS ● Business Process Improvement, Vendor Management, MS Office, Strategic Planning , Leadership, Communication Skills, Data Processing skills, Risk Analysis, Problem Solving and Decision-making Skills, Time Management. Education PU, JUNE 2011 Mahila Samaja PU College - Kolar, KA Bachelor Commerce, 2014 GOVT for women’s College - Kolar, KA