Assistant Manager
Current
Navi Mumbai, Maharashtra, India
REGULATORY COMPLIANCE• Conducted regular audits and surprise checks as Vigilance officer in various branches for 8 years thereby implementing innovative measures of staff training, conflict management, talent recognition to reduce incidents• Executed Customer Identification Program (CIP), Name Screening, Beneficial Ownership and Customer due diligence (CDD) resulting in quality growth of the branch from Scale 2 to Scale 3• Advocated for the client enquiries in compliance with legal govt orders like Lok Adalat, sales tax, income tax etc. that involved collaboration with various depts to provide legitimate information to the concerned govt agency viz local police, revenue dept etcCUSTOMER RELATIONSHIP MANAGEMENT• Extensive experience in wealth management, advising portfolio of 200+clients on investment strategies, asset allocation and tax saving plans to achieve long-term relationships with HNI’s driving the branch in Top performance in 3in1 account scheme.• Spearheaded entire lending process of loans, documentation at branch level by ensuring high standards of KYC, scrutinizing Balance Sheet, P&L, Cash-flow statement, clients industry trends, calculating risk rating score through organizational tool that involved analytical thinking, and decision making.RISK MANAGEMENT • Negotiated for One Time Settlements (OTS) for Non-Performing Accounts (NPA) through follow ups to minimize the credit risk thereby zeroing down the NPA count of branch. • Efficiently lead the entire branch during merger of 2 banks that involved transition of Finacle Core, CRM, corporate net banking, network management, due-diligence issues, partnering with various branches leading to retention of 100% clientele.• Feasibility study and fortnightly reporting of risk assessment of real estate projects by calculating Loan to Value ratio, leverage capacity, collateral thereby analyzing the reputation and future prospects of the project.
