MANAGER - SOUTHERN REGION
NATIONAL DEVELOPMENT BANK PLC
Total years of experience :16 years, 11 Months
- Functionally reported to the Regional Manager and, Operationally reported to Assistant Vice President - Branch Banking.
- Assisting the Regional Manager in his day-to-day activities of developing the region, and was entrusted with specific duties of Preparing SME Credit Appraisals, Regional Recoveries, Branch Auditing and Compliance, Monitoring and Coordinating Operational aspects, Human Resources, Administrative & Maintenance matters, Retail and SME Business Generation and Profitability of the 11 Branches within the Region.
- Provided continuous coaching and mentoring to the teams of all branches, in order to motivate their career and performance, while organizing appropriate training programs at Head Office.
PROJECTS
Was the team leader for the Southern Region, in organising and implementing a Corporate Social Responsibility event for the region, with the assistance of the regional team. Project - Provided a clean drinking water system, renovated the library and, provided furniture for 18 staff and 500 students of a remote primary school.
Was a member of the Southern Regional team in implementing 5S system in 11 branches within the region and Regional office. Spearheaded responsibility in ensuring uniform standard within the region, through branch visits and co-ordinating training sessions for staff.
- Functionally reported to the Regional Manager and, Operationally reported to Assistant Vice President - Head of Operations & Customer Service.
- Ensuring business development (Retail & SME) and Achievement of Branch, Regional and Banks targets & set goals. Increase portfolio growth and sustainability in the Retail and SME sectors of the Branch Liability products (Fixed Deposits, Savings and Current account balances & numbers), Asset products (SME Loans & Overdrafts, Personal Loans, Auto Loans & Leasing, Housing Loans & Pawning, and Fee Income through Bancassurance and Credit Cards. Always maintained a consistent, realisable pipeline for Assets and Liabilities.
- Profitability through thorough forecast & focus. Achievement of quick break even of the Branch and, maintaining sustainable growth in profits through continuous business generation, retaining viable margin levels in lending and, excellent fee based income generation. My efficient Risk and Financial Analysis skills were used in evaluating solid clients & projects.
- Continuous monitoring of facility clients and Recoveries (Retail & SME)
- Employee welfare and Community service.
ACHIEVEMENTS
Led the Branch to secure the “Dream Maker Personal Loans Product Champion” award at the “Retail Banking Awards” for 2012, with a cumulative portfolio of Rs.150.0 Mn within 3 years in operation.
Led the Branch to secure the “Pawning Product Champion” award at the “Retail Banking Awards” for 2011, with a cumulative portfolio of Rs.280.0 Mn within 2 years in operation.
Branch was nominated among the top 5 Branches for “Dream Maker Personal Loans” & “Customer Acquisition” at the “Retail Banking Awards” for 2011 and for “SME” in 2014 under my leadership.
- Overall branch operations and authorization of entries, to ensure operational efficiency and accuracy in terms of Cash transactions, Clearing functions, Fund transfers, Account opening, KYC, Anti Money Laundering and Pawning. Maintaining appropriate cash balances of the Branch.
- Branch profitability and deposit mobilization. Organizing marketing campaigns & capitalizing on personal contacts for deposits. Coordinating with the Credit team to ensure profitable lending and viable margins.
- Attending to administrative and maintenance matters of the Branch, in collaboration with relevant authorities of Head office. Evaluating staff and preparation of annual staff appraisals, while ensuring welfare of the staff.
ACHIEVEMENTS
Successfully brought in Rs.100.0 Mn worh of Deposits and Rs.50.0 Mn Advances for the branch (Dec 2006 - Dec 2009), while the Branch portfolio as at Dec 2009 was Rs.350. Mn Deposits and Rs.125. Mn Advances.
- Reported to the Branch Manager and was equipped with 6 staff who reported to me.
- Overall functions of the Credit department. Customer evaluation, Preparing Credit Proposals and granting facilities such as, Business loans (SME & Retail), Overdrafts, Personal loans, Housing loans and Leasing.
- Analysing overall Credit Risk was one of the main skills required for this function. Financial and Market Risks were thoroughly considered when evaluating customers.
- Attending to disbursements and security documentation procedures.
- Follow up repayments and customer visits. Recoveries and legal procedures.
- Assessment of Gold jewellery for pawning, and business generation through marketing campaigns.
ACHIEVEMENTS
Contributed towards reducing the Pawning Overdue by over 50% in 2005.
Was able to grow the Pawning portfolio of the branch from Rs.60.0 Mn to Rs.72.0 Mn within 3 months in the department in 2005.
- Reported directly to the Branch Manager and was provided with 7 subordinates who reported to me. Had the privilege of evaluating, appraising and coaching 2 senior banking assistants to be promoted as officers.
- Managing the operational staff of the branch and authorization of entries, to ensure compliance, operational efficiency and accuracy.
- Marketing and Business generation.
September 2000 to October 2005 - Credit Department and Marketing.
- Specialised in monitoring and recoveries of overdue / non-performing advances, preparation of Credit Proposals and applications (SME, Overdrafts, Personal Loans, Leasing and Housing), Security Documentations, Capital Provisioning, Branch Profit and Loss Account, Monthly Statements, Preparation of the Branch Budget, Quarterly Survey Reports, Capital Adequacy Worksheets and initiating Marketing activities.
June 2000 to August 2000 - General Ledger, Foreign, Inward Clearing and Account Opening.
December 1997 to May 2000 - Outward Clearing, Cash, Foreign and Head Office Reconciliations
ACHIEVEMENTS
“Merit Award” from the Managing Director for Canvassing Savings Accounts in 2001.
Canvassed Debentures to the value of Rs.1.4 Mn at the “2002 Debenture Issue” for which I was commended by the Deputy General Manager - Human Resources and Administration (The Branch achieved Rs.8.0 Mn)
SUBJECTS - Law & Legal Aspects of Banking, Accountancy, Economics, Strategic Management, Marketing, Portfolio Management, Leasing & Hire Purchase, Insurance, Information Technology.
Theories & practical approach toward managing various industries in a modern environment.
SUBJECTS - Management, Accounts, Economics, Business Communication.