· Act as a One point of contact for ICICI Bank UK, Leicester, delivering an exceptional customer experience through identifying and fulfilling all customer needs at the first point of contact.· Demonstrate a sound understanding of the bank's products and services, articulating these to your customer in an engaging and confident manner.· Operate within a customer-facing capacity in the branch, generating revenue growth by meeting and exceeding customer needs, maximizing opportunities across all customer segments.· Deliver ICICI Bank Digital channel proposition by providing service excellence, and educating your customers about the best solutions to meet their needs.· Effectively question and listen to your customers to enable you to fully understand both new & existing customers' financial circumstances and needs.· Help customers understand how they can flexibly use ICICI services through Internet Banking, phone Banking & Self-service points, to meet their varying needs.· Understand & continue to develop your knowledge of operational risk, legal & regulatory requirements & operating procedures & practices.

• Analyzing and understanding of product offering and customer servicing needs for Retail Banking.• Understanding of customer servicing processes thru multiple channels (Branch, Contact centers, Digital channels: Internet Banking and Mobile App)• As a product manager, supported process digitization project in agile fashion including engaging with key business owners to prioritize the business problems & opportunities• Role includes requirement gathering and analysis and preparing Business Requirement Document (BRD) /Functional Requirement Document(FRD) User stories / Test Cases• Conduct AS-IS and TO-BE Analysis and suggest Fit for Business Solutions by designing a Change Strategy. Prioritize Requirements using MOSCOW and Business Value methods.• Involved in creating wire-frames and mock ups for the system • Applied agile methodology to shorten cycle time of New Customer Onboarding of - Individual/ Non-Individual /NRI customer• Performed Image based KYC Scrutiny of Customer onboarding documents (Tab banking or Scan based document submission)• Responsible for Team lead functions for customer on boarding of Individual, Non Individuals and NRI customers ( Retail Banking Operations)• Part of Project CTS Clearing Operation (Interbank Image based cheque processing)• Review various types of banking transactions daily. Examine cash flow and financial statements, generate summary reports.

• Responsible for Financial analysis on various factors like Financial Position, Project Report, Projections, Past repayment Credit history, CIBIL Report, Market feedback and evaluation of different financial aspects & based on that decision making/sanctioning of Commercial Business Loans.• KYC and AML checks of the customer as per laid down process. Smooth processing of loan origination to disbursement customer journey.• Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities• Responsible to review loan and credit applications, run credit reports, analyze loan extension and renewal requests.• Credit Portfolio Management: Regular monitoring of portfolio & taking effective steps to control early delinquency and Non-Starters for collection portfolio management basis buckets of borrowers• Managing team of credit processing agents and responsible for CPA training and appraisals.

Handled branch operations for 3 years and at last worked closely on data migration project of finacle from 7x to 10x