Trade Finance Associate (2024-07 – Present)
Manage trade finance products including Supplier's Credit, Buyer's Credit, MRPA, LC issuance/advising, SCF, bills discounting/negotiation, export/import financing, and bank guarantees.
- Conduct compliance checks using Accuity, World Check, Google due diligence, and D&B reports.
- Open and maintain trade finance accounts and credit ratings in Finacle.
- Scrutinise Letters of Credit, request amendments, and handle ICC reporting and discrepancies.
- Liaise with branches, clients, issuing banks, and internal teams to resolve documentation and transaction issues.
- Prepare monthly Supplier's Credit reports and maintain budget calculation sheets.
- Manage high‑risk transactions with approvals from the Financial Crime Office.
- Review shipping documents and ensure regulatory compliance.
- Support marketing initiatives by preparing branch contact lists and coordinating with branches.
- Provide prepayment calculations and coordinate with treasury for charge confirmation.
- Improved LC scrutiny accuracy and turnaround time.
- Strengthened due diligence processes for high‑risk transactions.
Branch Manager / Senior Manager at UCO Bank, India (2012-06 – 2024-07)
Led branch operations across multiple locations with progressive responsibility in team leadership, lending, cash management, and compliance.
- Branch Manager – Annasalai (2020–2023): Led a team of 7 staff and managed full branch operations including cash management, lending, customer service, and compliance.
- Reduced NPA levels by 20% through targeted recovery strategies.
- Increased insurance business by 30%, ranking among top 5 branches in Chennai zone.
- Implemented a new mortgage lending strategy, increasing home loan acquisition by 50%.
- Reduced customer complaints by 80% through process improvements.
- Audited currency chest branch with a limit of ₹77.48 million and identified compliance gaps.
- Branch Manager – Chromepet (2017–2019): Led an all‑women branch of 8 staff.
- Implemented CRM strategy resulting in 15% increase in retention and 10% growth in referrals.
- Acquired bulk deposits worth ₹77 million.
- Increased branch lending by 20% and recovered 30% of NPAs.
- Achieved 25% cost reduction through operational optimisation.
- Advance‑in‑Charge – Mount Road (Jan 2020 – July 2020): Conducted credit analysis, processed loan applications, and ensured compliance with credit policies.
- Disbursed loans after fulfilling post‑sanction conditions.
- Organised housing and car loan acquisition camps.
- Managed write‑off recovery as per policy.
- Advance‑in‑Charge & Credit Monitoring – Pondicherry Main (2016–2017): Processed retail loans (housing, car, business, OD).
- Reviewed cash credit accounts, collateral values, and insurance renewals.
- Conducted inventory checks and monitored account performance.
- Promoted digital banking products (POS, mobile banking, e‑banking).
- Handled bank guarantees for government and private projects.
Quiz Trainer / Administrator at SIOL Quiz Club (2009-05 – 2010-06)
Delivered quiz training across schools and managed administrative activities.
- Developed training content and engaged students through interactive learning.
