Manager
State Bank of India
Total years of experience :15 years, 0 Months
• Accounted for business growth and overall management of the branch (Retail and SME segment)
• Monitored overall conduct of business in the branch (transactions in CBS and general operations)
• Recruited 8 Home loan counsellors (freelancer) in the span of one month to market Home loan products
• Significantly increased alternate channel usage by 10% in the first month
• Merit of achieving branch budget by adding new clients in retail and SME segment to the basket and cross selling insurance, mutual funds and other revenue generating products to the high value clients.
In-house Project
• Business Analysis (DRUT - Data Relationship Management and Utility Tool - developed by in-house technical team)
• Duration: May 2011- May 2014
• The Utility is a one point solution for all the corporate banking needs (lead management, Pre sanction, Post sanction and follow up) & is transforming the functional knowledge to technical team
May’09 - May’14
• Liaised with consultants and other resources in the market to generate new client leads
• Accounted for client relationship management, upselling (corporate banking products) and cross selling (insurance, mutual funds, Credit cards) to the clients allotted
• Analysed the company’s financial statements & assigned credit rating based on financial, operational, marketing and economic parameters using LLMS
• Played a key role in obtaining:
o And scrutinizing ROC search at each sanction of the limits to the unit
o Credit Information Reports (CIRs) on borrowers and their associates/subsidiaries from their respective bankers
o External Credit ratings of the customers
• Administered preparation of outstanding issues / non-compliance with terms of sanction for each borrower and it’s follow up for resolution of the issues involved
• Post sanction responsibilities include vetting term sheet, Sanction Letter, Obtaining legal clearance, portfolio monitoring & disbursement
• Opening Cash Credit, Term loan, Letter of Credit and Bank Guarantee accounts and set up limit as per sanction terms and as per eligible DP
• Spearheaded gamut of tasks as follows:
o Scrutinizing of stock statement and allocating DP
o Conducting inspection as stipulated in the sanction
o Scrutinizing LC, BG and Bills and forward to trade finance dept.
o Reporting irregularities to controlling authority for confirmation
o Preparing all the necessary details for Internal and external Audits
• Continuously monitored accounts to obviate slippage into sub-standard account
• Pivotal role in ensuring KYC compliance, tracking daily transactions, collateral management & account maintenance in CBS
• Ensured all the details in CBS have been fed as per the Capital Adequacy norms as applicable to BASEL guidelines
• Responsible for periodic verification of data that triggers IRAC status in the system to ensure adverse slippage in IRAC status
Masters in Business Administration, PSGIM, May 2008 Major: Finance & Operations
