Harsh User
@harshuser25
I process compliant loan disbursements and branch finance operations with strong accounting and reconciliation skills.
IndiaWhat I'm looking for
I process loan payouts, vendor invoices, and multi-channel payments at Laxmi India Finance Limited while meeting daily operational deadlines.
I verify legal agreements, KYC files, approval notes, and banking credentials before disbursement, helping reduce financial discrepancies. I also maintain physical and digital transaction ledgers aligned with NBFC regulations and audit expectations.
With an M.Com in Advanced Accounting & Finance, I bring hands-on knowledge of financial accounting, reconciliation, compliance, Tally ERP 9, and Advanced MS Excel. I work closely with accounts, credit underwriting, and central operations teams to resolve branch payment queries.
Experience
Work history, roles, and key accomplishments
Branch Operation Officer & Disbursement Officer
Laxmi India Finance Limited
Feb 2026 - Present (7 months)
Authorize and process loan payouts, approved vendor invoices, and multi-channel payments accurately within daily operational deadlines. Perform pre-disbursement verification of legal agreements, KYC files, internal approval notes, and banking credentials to reduce financial discrepancies.
Education
Degrees, certifications, and relevant coursework
K.M. Agrawal College
Master of Commerce, Accounting and Finance
2023 - 2025
Grade: 8.02 CGPA
Pursued Master of Commerce with a focus on Advanced Accounting and Finance, achieving a CGPA of 8.02.
K.M. Agrawal College
Bachelor of Commerce, Accounting and Finance
2020 - 2023
Grade: 9.08 CGPI
Completed Bachelor of Commerce in Accounting and Finance with a CGPI of 9.08.
K.M. Agrawal College, Kalyan (W)
Higher Secondary Certificate, General
2018 - 2020
Grade: 49.38%
Completed Higher Secondary Certificate (Class XII) with a score of 49.38%.
Adarsh Hindi High School, Kalyan (W)
Secondary School Certificate, General
2017 - 2018
Grade: 66.40%
Completed Secondary School Certificate (Class X) with a score of 66.40%.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Job categories
Skills
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