Manager Banking Industry
Jammu and Kashmir Bank Ltd
Total years of experience :10 years, 11 Months
Achievements and Responsibilities
• Lead staff of over 15 personnel to manage daily operations of the branch and ensuring efficient
and compliant processes are in place.
• Managing cash handling, transactions and operational procedures.
• Focus on Know Your Customer (KYC) and Know Your Service Area (KYSA) approach to develop
relations with your top customers and promote community relations for better understanding
and cattering of tailored customer products across all business lines.
• Ensuring profitability of the branch by making sound decisions concerning concentration risks,
lending limits, loan recoveries and account closures.
• Conducting fortnightly Financial Literacy Camps (FLCs) to facilitate the sale of financial products
and services by marketing these products to the community.
• Ensuring financial performance targets and customer satisfaction are met by regular review of
the staff performance.
• Acted as a nodal officer in implementing various life and Non-life Bancassurance products of PNB
Metlife, Bajaj Allianz, LIC India Lt. etc among the clientele with satisfactory target achievement.
• Monitor all balances and deposits to ensure that all money in the bank is accounted for and the
proper procedures are followed at all times.
• Conducting fortnight Customer Review Meetings (CRMs) for ensuring a high level of customer
satisfaction by addressing inquiries, resolving issues, and providing expert financial advice.
• Representing the branch at zonal and central level in various financial review meetings and
submitting financial achievements and regulatory compliance reports.
Achievements and Responsibilities
• Collaborated with Vendor ITMS INTELLECTTM for implementation of “Back office CHAT
MODULE” for instant Deal Confirmation and report generation which resulted in prompt back
office deal confirmation.
• Shared internal working and model building for Stress Testing: Non-Parallel and Yield Curve
Inversion in line with the RBI and BASEL-III guidelines.
• Collaborated with the vendor for integration of ITMS and Bloomberg data interface enabling real
time portfolio valuation, rate scanning which enabled Early Warning Signalling for Dealer’s
Breach.
• Collaborated with the vendor and implemented automated regulatory capital charge calculation
and report generation in line with BASEL-III guidelines.
• Developed and maintained Daily Asset-Liability Maturity pattern movements enabling effective
control on maturity mismatch.
• Developed and maintained Daily Cash Forecast to predict timing and amounts of cash inflows
and outflows enabling effective action planning to meet cash needs.
• Assigned valuations and credit rating to strategic potential investment securities and prepared
risk-return assessment reports to investment department.
• Assigned and Monitored counterparty ratings and factored its impact on Regulatory capital
requirements
• Trained subordinates in Trade settlements, Liquidity Management, reconciliation, regulatory
reporting, and accounting
• Portfolio Risk factor Mapping and Risk Analysis through VaR, incremental VaR, Stressed VaR,
Mod Duration, PV01, Stress Testing, Back Testing, Expected Shortfall
• Monitoring breaches: VaR, PV01, Std. Deviation, Mod Duration, Stop-Loss Limit, Single
Transaction limits, Day light/NOOPL Limits.
• Reporting on positions of Asset-Liability maturity patterns, fund position movements and various
risk parameter and dealer breaches to compliance department and regulator (RBI)
Key Responsibilities
• Credit Appraisal of new clients
• Lead credit expansion opportunities with existing clientele base and soliciting new business
relations
• Collate client data base and process reports to MIS Department/Business Strategy Department
• Renewal/Rejection/Enhancement of existing credit facility
• Periodical assessment of risk-reward potential of the working capital/business stock
• Counterparty credit rating using iMACS Risk Scorer and monitoring delinquency/slippage
• Liabilities-Division: Operation and maintenance of current, savings, term and other deposit
accounts.
• Assets-Division: Operation and maintenance of KCC, Mortgage, Cash Credit, Crop and Housing
Loans