Kailash Kharel

• Gather and analyze business requirements for retail lending products.
• Prepare business and functional documentation.
• Support system enhancements, testing, and process improvements.
• Collaborate with stakeholders to deliver lending and customer experience initiatives.

• Managed branch operations, sales, and profitability.
• Drove growth in deposits, lending, and customer acquisition.
• Led and developed branch staff while ensuring regulatory compliance.
• Managed credit, operational risk, and customer relationship activities.
• Achieved business targets and maintained high service standards.

• Managed a portfolio of retail, SME, and high-net-worth clients, providing tailored banking solutions.
• Built strong customer relationships, increasing client retention and business growth.
• Achieved branch targets for deposits, lending, fee income, and customer acquisition through proactive business development.
• Identified cross-selling opportunities and promoted loans, deposits, cards, insurance, and digital banking services.
• Conducted credit assessments and financial analysis for loan applications in line with bank policies.
• Monitored portfolio performance, ensuring asset quality and minimizing credit risk.
• Acquired new customers through networking, referrals, and market outreach.
• Resolved customer concerns effectively, enhancing satisfaction and loyalty.

• Supported credit, deposit, and branch operations.
• Enhanced customer relationships and business development activities.