State Bank of India Dec’10- Dec’22
Growth Path:
Deputy Manager, BOPM Jun’21 – Dec’22
Branch Manager Apr’19 – May’21
Credit Officer Jul’15 – Mar’19
Customer Assistant Dec’10 – Jun’15
As Deputy Manager, Business Operations and Performance Monitoring
- Streamlining the process and procedures for attaining greater efficiency in workflow and operational deliverables; achieving budgeted revenues, expenses, and net operation income with a skilled team and resource management.
- Collaborating with management for evolving strategic vision, driving change, infusing new ideas and taking product business performance and productivity to the next level, and safeguarding contributions at all levels.
- Formulating and implementing operational plans/strategy for the branch, aimed at achieving enhanced revenue, acquisition, growth, and superior level of operational performance.
- Conducting process reviews for ensuring strict adherence to the process parameters/systems as per defined guidelines; monitoring team activities regularly to verify compliance with operational procedures governing different business areas.
- Developing weekly and monthly operations reports for review and analysis and offering feedback to aid in decision-making.
As Branch Manager
- Analyzed market conditions, competitor activities, and potential business risks to develop mitigation and improvement strategies.
- Administered budgets and managed accounts to achieve branch financial goals.
- Assessed branch processes, staff performance, and KPIs regularly to verify operations.
- Managed the day-to-day banking functions at the branch, serviced customers, and resolved queries, complaints, and requirements of customers by meeting and exceeding their service level expectations with a clear objective of attaining a competitive advantage in service.
- Planned and coordinated process improvements and new initiatives to meet clients’ needs.
- Reviewed clients’ financials to approve loans and credit lines; determined credit risk for new and existing clients to mitigate fraud and losses.
As Credit Officer / Assistant Manager
- Explored business potential, opportunities, and clientele to secure profitable business volumes by networking with prospective clients; generated business from existing accounts and achieved profitability and increased sales growth.
- Assessed the creditworthiness of clients, investigated credit applications, and maintained the credit policy.
- Identified the risk and utilized definitive risk management tools to mitigate, eliminate, or insure risk exposures.
- Conducted meetings with clients to complete application documentation, answer questions and resolve concerns or complaints.
- Stayed current on the loan market, available products, and strategies for bringing in new clients.
- Reached out to borrowers with delinquent accounts to pursue payments and negotiate repayment plans.
As Customer Associate
- Supervised client service operations for rendering and achieving quality services as well as optimizing client satisfaction levels and generating additional avenues for business.
- Employed excellent money handling abilities to operate and balance cash drawer daily.
- Promptly carried out the duties of Joint Custodian.
- Managed diverse client needs related to financial products, lines of credit, and account features.
- Listened to clients and recognized stated and unstated needs to effectively cross-sell bank products.
