Poonam S Email and Phone Number

Operations, Team management, Credit Assessment , Branch Management, Sr Financial Analyst, Risk Management, Banking/Finance, Sales, Training & Development, Portfolio Management

Review financial statements and data. Utilize financial data to improve profitability. Prepare and control operational budgets. Control inventory. FATCA implementation. Review customer profiles and documentation for completeness and Perform Customer Identification Procedures (CIP) according to applicable guidelines Improve processes and policies in support of organizational goals. Formulate and implement departmental and organizational policies and procedures to maximize output. Monitor adherence to rules, regulations and Responsible for monitoring and maintaining quality and compliance targets.Awareness of regulatory requirement and customer service expectations, Giving specialist quality assurance advice to the company departments as required. Ensure appropriate escalation policies exist and are followed. Work collectively with offshore management, develop and maintain a motivated and professionally trained staff, ensuring appropriate capacity panning, adherence to and improvement in performance.Ensure key stakeholders are kept informed of the progress and challenges and escalating issues where appropriate. Ensure that the team members one on one are completed on a monthly basis and feedback on their performance is documented.Financial data analysis, MIS, data mining, structuring methodology and defining procedures. o Deploying various methodologies to analyse various processes, recommending modifications to minimize escalations, reduce rejection, realize operational efficiencies, control variability, costs & reduce cycle-time

Monitoring the lending portfolio to ensure that team operates in accordance with applicable laws and regulations, as well as the bank policies and procedures as per agreed.Evaluating credit worthiness of customers & scrutinizing the required documents ensuring compliance with organizational credit policy in order to sanction/reject the loan & following KYC norms.Research and evaluating loan applicant's need, intentions, financial status, references, credit and ability to repay the loan.Managing an assigned portfolio of customers, focusing on deepening existing relationships as well as extending the relationship further into additional new product areas to improve customer’s value.Periodically reviewing and re-evaluating the adequacy and effectiveness of established policies and Procedures and updating of the same as and when required. Driving growth and monitoring plans for cost optimization, and control mechanism. Emphasis on cost reduction through centralized approach for increased efficiencies and consistency.Analyzing and reviewing existing processes, initiating measures for streamlining / revamping, thereby reducing non value add activities, eliminate redundancies in processes thereby increasing the productivity and reducing lead time for customer deliverable, achieving higher standards of operational efficiency.MI reporting on asset quality of loan portfolio, including delinquencies, non accruals, loan concentration and profitability analysis.Responsible for amalgamating and remediating existing AML and KYC records into a client record management system so that client records adhere to group records.

Portfolio quality Management: through superior underwriting, working closely with collections.Involved in working out the financial analysis, forecast and sensitivity study, and market comparisons keeping in mind the market conditions.Keep a regular track to analyze Actual (Hours, Cost & Expenses, Revenues) Vs. Budgeted (Hours, Cost & Expenses, Revenues) doing Reconciliations, analysing variance and taking necessary steps to control it.Operational activities wrt sending quarterly statements, annual tax documents to investors, maintaining detailed records of account holders, performing KYC & documentation process.o Evaluating market trends and gathering competitive information, identifying trends that effect current and future growth of regional sales and profitability. Disseminate information to regional sales representatives, Area Managers and sales operations to facilitate decision making.Bench marking business data and sales trends for key accounts and provide monthly recommendations to Area Sales Manager to aid in execution of the strategic business plan.o Data churning, data mining for key metrics/measures of core Business operations to facilitate decision making. Analyzing market movements in MCX, NCDEX, CBOT and NYMEX of different commodities through Forex, Bullion, Precious metal, Energy etc. Assesses clients' financial situation by gathering information regarding investments, asset allocation, savings, tax planning, retirement planning, and estate planning; evaluating risk tolerance.

Maximize Revenue generation through optimizing resource utilization, managing new recruits and advising clients on product portfolio.Formulate strategic options, evaluate selected options and make recommendations to senior management.Build strategies, work closely with “Planning” and drive change activities to achieve “Best in class” competitiveness for the specific work area/process.Business growth through directing and managing business development activities, ensuring these are delivered in accordance with the organizational strategy.Streamlining the systems / policies / procedures in consultation with the top management for effective distribution network development.MI report generation, analyzing, interpreting the performance of various products and sharing the same with Management.Assisting team with their career development including Performance management, feedback & training.Liaising with the Project Manager and the consultants for tracking daily activities, providing support from office team to the client site team in functional issues.