 Presently handling the operational responsibility of Howrah Cluster consisting of 16 branches. Regular monitoring the operation parameters of branches as per Bank’s guideline by visiting there and checking Vouchers, Registers, System Generated Reports, Statutory Notice Board etc. Random visit to customer’s communication address especially with abnormal transactions. Transaction monitoring through SQL provided by HO. Discussion the irregularities found during the visit with branch staff and on spot rectification. Submission of observation report to higher authority and branch. Following up with branch and other department for timely closure of irregularities found during the visit. Handling of day to day branch banking operational queries and provides instant resolution. Checking of branch operational health and hygiene as per given checklist of Bank Standard and beyond to ensure adherence to the laid down guidelines of the bank and regulatory bodies. Checking of physical cash and bank balance, deliverables and other security items during visit with system generated report and register. Train, motivate and guide the branch employees so that they are able to drive business in a compliant way Preparing of various reports like fortnightly EOD reports, Monthly Deceased Claim, Counterfeit, Customer Complaint, Statutory Notice, cash and bank balance reports. Preparation of Reconciliation Statement of Current Account with other Banks for the entire cluster. Keep a close watch on compliance and AML issues of the branches. Monitoring of Cash Holding and FTNR rate of the cluster and keeping them within approved limit. Checking and verification of transactions with system report and vouchers initiated by the branch. Resolution and redressal of escalated customer complaints.

 Monitoring overall functioning of processes viz, Cash/Cheque Collection/Payment, Customer Service, Audit & Compliance, identifying improvement areas and implementing adequate measures to maximize customer satisfaction level. Ensuring that the Financial Transactions of the branch are under control and the branch adheres to the Banking, Know Your Customer (KYC) and Anti-Money Laundering (AML) norms at all times. Supervising Key Areas including Audit and Compliance, Transaction Processing, Team Development, Cost Management and Revenue Generation. Providing advisory services to high net-worth customers on funds management while maintaining relationship with Key Accounts.  Responsible for dealing with external and internal auditors and inspections and compliance.  Analyzing risk appetite of an individual for providing them apt investment solutions, ensuring that solutions provided match the risk profile and Cross Selling. Overseeing process improvement initiatives through system changes, process realignment/ redefining & efficiency management for cost effective process. Adhering to Standard Operating Procedures, Manuals to facilitate smooth functioning of process, ensuring conformance to Service Level Agreements. Monitoring inventory level at branch. Ensuring compliance of various quality measures by maintaining requisite documentation/ records. Writing/reviewing detailed documents like process and validation protocols.  Processing of bills from branch level. Maintain best Scores for Service and Quality. Building a pool of talented Employees and showcases before seniors, put them into large jobs, stretching their capabilities and developing their potential with the clear intention of grooming future leaders for the organization Creating challenging opportunities that stretch people’s capabilities, encourage Experimentation and calculated risk taking and using timely feedback to develop people.

 Responsible for stationery and stamp paper management for the entire West Bengal II region consisting of 25 Branches across West Bengal. Responsible for entire Distribution Operation for the Horizon Branch, the Second Largest Branch in PAN India consisting of 7 different distribution Channels. Responsible for resolving day to day Commission, Gift and Promotion related queries of various Channels. Responsible for processing of New Agent Application form, Training Allocation, Exam Allocation and following up with various departments for faster licensing. Ensured Quality compliances laid by Internal & IRDA for Audit Purpose. Maintaining other day to day Branch operation activities. Supervising the Operations, Facilities and Administration Activities to facilitate Agency Sales, Alternate Channel Sales and training departments with a professional work environment  Maintained various trackers for update issuance and pending requirements from Financial and Medical Underwriting Teams between Spokes Branches and HO. Monitoring activities related to internal and external clients queries with the minimum TAT possible.  Ensured Quality compliances laid by IRDA for Audit Purpose. Monitored Tele-Calling Process for Customer Contact ability for various service related issues. Down line reportee by Branch Cashier, CSO, BOE and facility Staff. Responsible for processing of New Agent Application form, Training Allocation, Exam Allocation and following up with various departments for faster licensing.

 Responsible for the Credit Assessment within turnaround time (TAT). Responsible for entire Processing of files from Login to Sanction & Disbursement of various DSTs & DSAs. Taking face-to-face Interview of Customer & Reference checking and solving queries of customers. Financial Analysis of Customer’s & Company’s Financials. Preparation of Report on Customer profile & CAM (Credit Appraisal Memo).  Checking all verification, Legal & Technical Report as per company policy. Checking of Disbursement Docket for Home Equity & Home Loan. Preparation of Daily MIS & other various types of Monthly MIS with Performance Analysis of DSA & DST. Following up with vendors for fired reports to reduce TAT.

 Responsible for the Credit Assessment within turnaround time (TAT). Responsible for entire Processing of files from Login to Sanction & Disbursement of various DSTs & DSAs. Managing the entire CPA team for handling Personal Loan. Eligibility Calculation of Customers and Company. Taking Short Interviews & Reference checking of customers over phone. Conducting policy & imparting training to new joiners for conducting credit interviews & report writing. Financial Analysis of High Value Files.

 Responsible for entire Processing of file from Login to Sanction of Home Loan & Personal Loan and sending them to ops within TAT. Maintaining CMS (Contact Management System) and the important data in PQIS (Process Query Information System). Calculating the eligibility of the customer, checking frauds. Giving Training & Encouraging the Sales Executives to achieve their Target. Various other Back Office jobs in Sanction Department.