Dhaya M.S Email & Phone Number

Chennai, Tamil Nadu, India

• Supervised day-to-day operations to meet performance, quality and service expectations of a large-scale branch having a staff strength of 7 members with business mix of INR1000 Million• Responsible for annual budgeting, expenditure and management of branch level tenders• Managing end to end branch operations across all departments, performance and people management• Driving process improvements and sharing best practices effectively across the branches• Involvement with defining quality procedures in conjunction with branches and members of the digital banking team• Represented the bank in various forums such as Block Level Bankers Committee (BLBC) and Department of Industries and Commerce (DIC)

Chennai, Tamil Nadu, India

• Ensuring accurate classification of Special Mention Accounts in CBS and monitoring movement of the accounts between the SMA categories• Accurate NPA classification of assets, security coverage and provisioning based on asset category to mitigate profitability reduction• Implemented proactive asset monitoring solution to report LTV reductions, slippage avoidance and capital provisioning using what-if analysis• Exposure to legal proceedings of securities and its bottom-line impact to profits at branch level• Developed and implemented a bank wide digital compliance review system for periodic compliance review of branches

Chennai, Tamil Nadu, India

• Managed customer acquisition and relationship management for Loan Facilities to SMEs, Retail and Corporate loans• Handled credit asset portfolio of INR 600 million comprising fund based and non-fund based facilities• Achieved a year-on-year asset growth rate of 15% by new acquisitions and enhancements• Maintained a robust pipeline of sanctions worth INR 150 million, contributing to the overall business growth• Prepared comprehensive credit notes, conducting detailed financial and credit analyses for loan proposals• Specialized in loans, limits and collateral modules and integration between each other• Handled periodic inventory and collateral security audit to validate working capital utilization and end use verification• Credit risk assessment of MSMEs, Retail and Corporate loans using the risk assessment tools and stipulated rating models• Process and technology re-engineering of Loan Origination and sanctioning based on iterative feedback based on on-the-ground challenges• Worked in liaison with the technology team to implement online jewel loan portal that reduced the TAT of jewel loan significantly

Chennai, Tamil Nadu, India

• Handled CASA and Deposits portfolio of INR 550 million and achieved a YoY growth of 20%• End to End processing, documentation and monitoring of Savings, Current and Deposit accounts in compliance with stipulated KYC and AML norms• Process streamlining to ensure compliant TDS related transactions and balancing of Interest Accrual accounts• Analyzed business processes and customer behavior in retail branch banking to identify opportunities for digitalization and improve service efficiency• Increased product adoption among corporate clients by positioning digital solutions as user-friendly and secure, leading to higher engagement, satisfaction and cost reduction• Worked closely with Digital Banking Team to analyze issues in debit card features and transactions and ATM switch team on issues causing ATM downtime, transaction failures and business verification testing of technical releases• Part of technology team tasked with revamping of Internet banking and mobile banking applications

Chennai, Tamil Nadu, India

• Operational implementation knowledge in CASA, Loans, Collaterals, Clearing operations and transaction banking• Coordinated and assisted the implementation of Bank's new core banking software Finacle 10 by Infosys• Acting as a liaison between branches and technology department for effectively integrating business requirements in CBS• To propose digital transformational ideas and to gather business requirements at ground level and help implementing the same in Core Banking Solutions• Provided ideas and insights for automation of time-consuming repetitive tasks and integrated the same with Core Banking Solutions (CBS)• Functional testing of existing modules in Finacle, addition/modification of features• Review of delivery notes and review of FSD, UMG for modification and addition of new and existing functionalities

Chennai, Tamil Nadu, India

• Proficient in installation, configuration, and administration of WebSphere Application Server and IBM HTTP Server• Experience in creation of cells, horizontal and vertical clusters, cluster addition, JDBC Providers and data sources• Installed and configured remote WebSphere plug-in for IBM HTTP Server• Good experience in deploying, configuring and migrating enterprise applications on WebSphere Application server in various environments• Analysis of application server performance, clustering and load balancing of application servers• Provided L1 and L2 level support involving root cause analysis and JVM performance• Experience in SLA Management, Incident management and Change management