Overseeing Deposits and Operations of 232 branches in Bengaluru Southhaving a deposit portfolio of over 83,000 crores with special emphasis oncross-selling of Bank’s subsidiaries’ products.Leading & driving the digital transformation of the bank's technologyinitiatives, analyzing transaction patterns for lead conversion to business.Monitoring and analyzing deposit movements while forecastingmonth/quarter-end figures to strategically achieve budgetary goals.Conducting in-depth root-cause analysis of problem loan accounts as a subjectmatter expert, scrutinizing suspected frauds or non-performing assets, andproviding comprehensive reports outlining the recommended course of action.Head of Retail Assets Processing Centre of Bengaluru South for Home Loanswith business levels of INR 10,250 crores with 58762 client files needingsupervising sanction of home loans, maintenance of Title Deeds of customers &monitoring/recovery of Non-Performing Assets (NPA) with a net NPA of0.17%.

Job Profile:a) Act as a Single point of contact for all foreign financial institutions and is responsible for business generated from them for the Bankb) Mobilisation of new business from Correspondent Relationships. Increasing Bank’s share in total India related correspondent banking business (viz. in Trade flows-LC/ BGs).c) Coordinating pricing of business/ quotations sought by its Correspondent Bankd) Look for business other opportunities viz. syndicated Loans, fund raising, New MRPAs with secondary market trade desk, Tie up for rupee remittance business through Exchange companies and CB.e) Look for opportunities for participating in rated bond issues arranged by the Correspondent Banksf) Resolve queries/ complaints of the correspondent banks (CB) in the Region

Headed a prestigious branch in Bangalore with business volumes over USD 100 mio. Deposits were from Non Resident Indians living abroad and a mix of High Net worth Individuals.Deposits size of the Branch grew by 33% during my tenure

Managing teams in excess of 40 and with Budgetary bench marks for Business Development & Profitability. Manage credit/market/operations risk; provide a foundation for regulatory compliance; Influence high net-worth individuals on investment opportunities, risk analysis, and monetary returns; Analyse financial creditworthiness of prospective customers through balance sheet/working capital assessments for loan sanctions

Core Banking Solutions – Implement, rollout, train, troubleshoot, and maintain B@NCS-24 core banking solution. Effectively manage data cleansing, migration, and product support teams. Manage the server and thin client setup at branches and migration of data into CBS software. Banking Software Implementation – Customize and Implement Bank Master (Accounting Software) and Trade Finance (Foreign Exchange) software; Train users, troubleshoot issues, and maintain the software post-implementation.Alternate Channels (IT-enabled) – Drive and manage strategic IT-enabled alternate channel banking, corporate internet banking, Mobile banking, Conduct pre-sales activities to garner new customers; develop product/feature demos; deliver new services to existing and acquired customers; and train the staff on Internet / mobile banking; Coordinate with customers and product development teamsAccounting Compliance & Audit – Annual balance sheet consolidation of the corporate banking group; statutory audits and rectification of irregularities, compliance audits for BASEL-II norms, direct/indirect tax filings, fraud investigation process management, disciplinary proceedings.

Highlights of Performance in Retail Module of Banking.a) Awarded Region Topper in Retail Internet Banking and Mobile Banking customer acquisitionb)Awarded with Best Performer for customer acquisition via Green Channel Banking initiativec) Increased profit margins by 155% from Rs. 2.52 crores to Rs. 4.21 crores, in a span of two yearsd) Excelled in recovering Non Performing Assets (NPA) – The NPA was reduced from Rs 1.07 crores to Rs. 11 lakhs in a span of 3 yearse) Recognized as an expert and chosen to lead a team of 10 from various locations in India, for five consecutive years, to consolidate the balance sheet and subsequent statutory audit of corporate banking group. Compliance of Reserve Bank of India (RBI) directives was ensured. f) Participated/Managed Statutory Audit/Internal Audits/Regulatory Audits conducted by Reserve Bank of India spanning 11 years.