POOJA KIRIT SONDAGAR

[email protected] +91-8369276579 Mira Road

PROFESSIONAL SUMMARY

Offering career success of nearly 4 years in leading Finance functions with hands-on experience in driving profitability, operational efficiency, implementing new systems & procedures, risk assessment & reporting and revamping the existing processes and total all togeother experience of 6 + years . Worked extensively on MS Office Tools (Word, PowerPoint, Excel) An effective communicator with excellent analytical, problem-solving & organizational capabilities; possess a flexible & detail-oriented attitude.

WORK EXPERIENCE

Assistant Manager - Central Operations And Principal Officer - Insurance
01/2025 - Present
Capital India Home Loans
Managed the end-to-end post-closure documentation process for home loans, mortgage loans, ensuring all original property documents were accurately retrieved
On retrieval Preparation of List of Documents (LOD) on verification and securely releasing to borrowers upon full repayment
Oversaw the meticulous review and verification of all loan closing documents and supporting collateral paperwork, maintaining a high standard of accuracy and adherence to regulatory requirements
Streamlined the document release workflow, reducing processing time through improved tracking and communication protocols with internal teams
Issued official No Dues Certificates (NDC) and loan closure letters to clients, facilitating the final stage of the loan lifecycle and ensuring a positive customer experience
Maintained detailed records and files of all property document movements within a secure vault management system, ensuring a clear audit trail and easy retrieval
Resolved documentation discrepancies and client inquiries related to the return of property documents, enhancing client satisfaction and maintaining positive relationships
Managed all regulatory reporting and disclosures,intimations to the Insurance Regulatory and Development Authority of India (IRDAI )ensuring timely and accurate submissions under Regulatory guidelines
Supervision: Oversees all insurance marketing, sales, and service activities for the corporate agent
Compliance: Ensures adherence to the IRDAI's Corporate Agents Regulations and Code of Conduct
Manages the "specified persons" (employees or agents selling insurance) and handles their applications/removals
Ensures customer complaints are addressed and resolved within 14 days as per Grievance Redressal policies
Sales Ethics: Preventing forced selling, misleading prospects, or undertaking multi-level marketing
Reporting: Files necessary certificates and reports with the IRDAI
Risk MIS Executive
07/2023 - 01/2025
Indostar Housing Finance Ltd.,Mumbai , Mumbai
Preparation of Fucntional Dashboards on Monthly & Quaterly basis for Review purpose (Credit & Risk)
Preparation of MIS daily, weekly quarterly and monthly basis
Weekly Publishing OTC PDD MIS followed up by co -ordinating with branches
Follow up with ACMs/BCMs for WIP Login cases on daily basis so that no TAT is excedded
Maintaining track of WIP cases as no TAT is exceeded & Login count is maximised
Raising Bills with Vendor
Handling Credit & Risk Administrative Activity
LOGIN -SANCTION -DISBURSE MIS
Preparatiion of SANCTION REJECTION RATIO MIS, Eligibility Program Dibursement Ratio, Product wise Disbursement Ratio MIS
Maintaining Provisions for Credit & Risk department (PAN INDIA) on monthly basis
Operations Officer - AHF
12/2021 - 07/2023
Indostar Housing Finance Ltd, Mumbai , Mumbai
Engaging in accepting deposits, delivering credits
Channelizing the scarce financial resources to capital formation
Implement processes & programs, ensure helpful services to customers
Handling end to end work related to Receipting which includes IMD (INITIAL MARGIN DEPOSIT) Authorization of receipts, deposits & Realization, Timely collection of Pre-Emi deposited at branch level & realization/bounce marking for PAN INDIA
Reconciliation & co-ordination on timely basis
Providing E-Nach links to customers with motive to work digitally
Maintaining & circulating MIS on timely basis
Co–ordinating & interacting with branches and resolving their queries
Executive Back Check
05/2014 - 05/2015
BOB Cards (Subsidiary of Bank OF Baroda), Mumbai , Mumbai
Key Role was to help in collections, maintain records of individual’s payments affecting loans & Credit cards
Managing of NPA (Non-Performing Assets), Write-off Customers (WOF)
As a Member Bank & credit institution core responsibility was to submit records to the CIBIL on monthly basis so as to evaluate loan applications
Generating settlement proposals for NPA/WOF customer and checking payment against proposals
Solving complaints/queries of clients through Mails
Generation of credit card statements of NPA / Write-off customers through ISG (in solution Global private ltd.)
Monitoring of cardholder’s profile through Pulling of CIBIL Reports, Scan applications
Co-ordination with 33 area offices to settle CIBIL related issues
Effective Co-ordination with area offices, customers & BOB corporate offices through calls & email correspondence with other departments like CRM, CARD ISSUE, LEGAL department

EDUCATION

Mcom
01/2015
Mumbai University GPA: 50%
B.Com.(BBI)
01/2013
K.E.S Shroff College of Arts & Commerce GPA: 67%
HSC
01/2010
Maharashtra State Board GPA: 60%
SSC
01/2008
Maharashtra State Board GPA: 63%

SKILLS

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