✅ Heading Management of Channel Payout to Direct Sales Agents/ Sales Executives and Collection Agency, Overseeing:✔️ Monthly tracking and release of Vendor Payouts within defined TAT ✔️ Monthly Provisioning of Payouts and review of actual/provision on an ongoing basis✔️ Maintaining Payout Accuracy by adhering to Bank defined Policy Guidelines and publishing MIS to stakeholders like:✔️ Control Reports to prevent financial losses and reduce all errors/observations in the Unit✔️ Internal Business and Exception MIS to all Seniors on day-to-day processing activities✔️ MIS of all Suspense Account and Account Payable GLs to various internal stakeholders✔️ Managing Retail Asset Operations for Mortgages, Consumer Finance, Vehicle / Personal / Agri Loans, etc. ✅ Directing Loan Disbursement activities like Non-Discrepancy Checks with KYC Norms, Data Entry & Data Maintenance in Online Systems, Dispatch and Document Retention Processes, with maximum accuracy ✅ Identifying and bridging gaps between process and ground-level implementation at PAN India Branches✅ Managing RBI, Internal, Compliance, Operational Risk & Legal Audits for the Retail Asset Operations Unit, to track compliance ✅ Directing Reconciliation Management of various Suspense Accounts and General Ledgers, to check for discrepancies ✅ Supervising closure of Open Entries in Suspense Accounts & GL in coordination with the Retail Branch and Collection Unit✅ Driving process improvement/digitization/ automation for accurate transaction processing, risk reduction, improved internal controls, a paperless environment & cost savings

✅ Spearheaded Loan Operations of 5 States - Maharashtra, MP, Gujarat, Rajasthan & Goa and Vendors based out of Mumbai✅ Managed the disbursement of Personal Loan, Business Loan, Auto / CV/CE Loans, Home Loan and Mortgage Loan Products within TAT✅ Worked in collaboration with Business Group to address queries, improve FTR% and ensure maximum customer satisfaction✅ Oversaw the identification and appointment of right vendors for outsourcing of operational activities✅ Ensured strict Compliance to bank policies, credit norms and process adherence without any deviation✅ Managed proper allocation & distribution of responsibilities to subordinates, enabling the smooth functioning of the department ✅ Coordinated and monitored activities of the team for completing periodically planned targets and work assignments in time✅ Reviewed entire Operational Activities, drove streamlining of process in view of Internal Control Audits✅ Identified areas of development, initiated new and improved methods for better efficiency & accuracy

✅ Managed recruitment, setting-up of KRAs for Location Heads and Team Members across all branches in South India✅ Ensured process & policy changes were duly informed to all Team Members, conflicts resolution at the regional level itself✅ Conducted monthly tests for the teams on policies & processes, to monitor the effectiveness ✅ Directed Loan Operations of 5 States - Karnataka, TN, Kerala, Telangana & AP as well as PAN India Vendors for processing and storage of Loan Files, deliverables within defined TAT✅ Oversaw preparation of Monthly Regional MIS on Productivity, Business Nos., PDC Banking, Disbursement Accuracy & File Skewness✅ Led and managed a team of 50 members to achieve the values of the bank, ensured that the branch was operating with complete control of day-to-day activities and maintained nil operational losses ✅ Proactively coordinated with Concurrent Auditors and ensured regular flow of documents for audit✅ Ascertained that retrieval requests received from branches are reverted within TAT, storage & banking of post-dated cheques on due dates. Pivotal in setting-up entire outsourcing model for file movement and storage unit✅ Led Reconciliation of Loan Files, PDC & Security PDC as per bank policy. Conducted Audit/ Quality Checks for all activities ✅ Received "Well Controlled" Rating in Internal Audit which was Best PAN India for FY 2007 – 2008 at the Bangalore Branch✅ Merit of receiving the highest number of R&R Awards of Retail Asset for the Bangalore Branch in FY 2009 -2010

✅ Topped among South Region in the highest number of Idea generation, won Customer First Award for FY 2003 – 2004 and Ops-Cops Award for detecting fraudulent cases at Mangalore Branch (Dec 2004 & Oct 2005) at ICICI Bank Ltd