Vertical: SME // Wholesale Banking - WBC PanipatExperienced Banking Operations professional known for meticulous attention to detail, adeptness in evaluating and fortifying internal controls, pinpointing areas of risk, and ensuring regulatory compliance. Nurturing robust client relationships, delivering top-tier service, and elevating customer satisfaction. Proficient in analyzing financial needs, providing tailored solutions, and propelling revenue growth through proactive client engagement. Adept in leadership, problem-solving, and implementing strategies to enrich customer experience.Key Responsibilities:o Managing and delivering services to over 120 SME clients with a portfolio exceeding INR 500 crore.o Mitigate credit and operational risks while ensuring strict adherence to regulatory and compliance standards.o Cultivate and maintain strong client relationships, understanding their financial objectives and providing personalized solutions. Proactively address client issues and concerns.o Ensures that clients receive exceptional service, fostering long-term relationships and contributing to the bank's growth and success.o Aims at ensuring compliance of terms of pre-disbursement conditions, keeping documents legally enforceable. Document Execution – Verification - Disbursement for Working Capital & Term loan facilities, Prepayment/Foreclosure of credit facilities, Issuance of NDC & Pari-Passu letter.

Group: CMOG - Credit Monitoring Middle Office GroupKey Responsibilities:I. Aims at ensuring compliance of terms of pre-disbursement conditions, keeping documents legally enforceable.II. Issuance of Sanction Letter, No Dues Certificates and Pari-Passu letter.III. Verification & Disbursement of Term Loan & ECLGS, Working Capital & Derivative, Prepayment of Term loan and Limit Closure.IV. The project loans should be disbursed as per the periodical progress reports submitted by the borrower and subsequent site inspection done by the branch/business team.V. Verification Security Documents including Mortgage Declaration, MOE, Deed of Hypothecation, Facility Agreement, CHG-1 and Personal & Corporate Guarantees. VI. Adhere to current compliance standards.

Worked as an Internal Auditor on Regional Risk Manager Profile in Liability and Risk Management Group. Monitoring & Ensuring the Compliance Culture of 50+ Branches.I. Lead and perform comprehensive audits of various banking functions, including risk management, operations, finance, and complianceII. Ensuring strong internal controls, mitigating frauds & errors while assuring proper implementation of Internal Controls throughout the organizationIII. Working in a team to successfully execute Internal Audit in different verticals of banking systems and prepared Audit Reports and shared the same with higher management & branches to discuss the audit findings and observations.IV. Formulate separate Audit Reports, Sample Sheets and Rating Models for Exceptional Audit Findings (Key Audit Findings); categorized risks as per the severity in Level 1 (Very High Risk), Level 2 (High Risk), L3 (Medium Risk) and L4 (Low Risk).V. Validated KYC/AML risk compliance as per the customer data and records; determined and implemented additional steps to mitigate overall risk exposure to the banking systems.VI. Managing complete planning and management activities for ensuring completion of audits within time and cost parameters.VII. Coordinating with cross-functional teams to conduct audits of departments for Centralized & Regional OperationsVIII. Liaising with Branch Managers, Deputy Branch managers, Branch Staff and Regional Heads to discuss the audit reports; suggesting corrective action plans to Branches to mitigate overall gaps.IX. Ensuring timely submitting of Audit Reports by reviewing & following up with Auditee for rectification of audit responses and Report the Critical findings to higher authority through raising SRs.X. Identifying revenue leakage and implementing measures to eliminate the same.

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