Additional Cabinet Secretary - Club Administration and District Governors Liaison Officer

 Training Facilitation: Trainer of comprehensive training programs for People’s Bank staff on Debt Recovery Module and associated debt recovery procedures, Operational Dash board and Complaint Management System Instructional Design: Instructional designer of all training materials to ensure clarity and effectiveness in conveying complex concepts such as bad debt portfolio analysis, litigation process, automated document translation and generation, and automated systems for charges… Show more  Training Facilitation: Trainer of comprehensive training programs for People’s Bank staff on Debt Recovery Module and associated debt recovery procedures, Operational Dash board and Complaint Management System Instructional Design: Instructional designer of all training materials to ensure clarity and effectiveness in conveying complex concepts such as bad debt portfolio analysis, litigation process, automated document translation and generation, and automated systems for charges calculation and recovery of charges with relevant government taxes Collaboration: Collaboration with stakeholders to identify training needs and tailor programs to meet organizational objectives Show less

 Application Development: I served as the creator and developer of the Bank’s Debt Recovery Module, initially conceived in the Kegalle Region, and subsequently introduced as the official collection module of the bank, custom-made for managing debts internally. Additionally, I designed and developed the bank’s Digital Operational Dashboard and Complaint Management System, elevating operational efficiency and enhancing customer service. These three systems represent the sole IT solution provided… Show more  Application Development: I served as the creator and developer of the Bank’s Debt Recovery Module, initially conceived in the Kegalle Region, and subsequently introduced as the official collection module of the bank, custom-made for managing debts internally. Additionally, I designed and developed the bank’s Digital Operational Dashboard and Complaint Management System, elevating operational efficiency and enhancing customer service. These three systems represent the sole IT solution provided to the bank by a non-IT professional in its entire history. Show less

 Debt Recovery Strategies: Develop and implement effective strategies to recover outstanding and non-performing debt while minimizing losses Team Leadership: Lead and supervise a team of debt recovery specialists located in various branches, providing support, guidance and performance management to ensure the achievements of Recovery targets Portfolio Analysis: Analyse delinquent accounts to identify trends and develop targeted recovery approaches Negotiation: Negotiate… Show more  Debt Recovery Strategies: Develop and implement effective strategies to recover outstanding and non-performing debt while minimizing losses Team Leadership: Lead and supervise a team of debt recovery specialists located in various branches, providing support, guidance and performance management to ensure the achievements of Recovery targets Portfolio Analysis: Analyse delinquent accounts to identify trends and develop targeted recovery approaches Negotiation: Negotiate repayment terms and settlements with delinquent debtors, aiming to recover outstanding balances while maintaining positive customer relationships and adhering to regulatory requirements Documentation and Reporting: Maintain accurate and up-to-date records of all debt recovery activities, including correspondence, payment agreements and all legal proceedings and prepare all regular and Ah-hoc reports for management review Risk Assessment: Evaluate the risk associate with outstanding debts and assess the likelihood of successful recovery, taking into account factors such as debtor financial status, collateral value and legal considerations Streamline & Process Improvement: Designed, developed and implemented a semi-automated recovery monitoring system using PHP within the region as a 100% self-owned product (subsequently, it was further developed and introduced to the bank as its official recovery system) Show less

 Credit Analysis: Perform comprehensive analysis of loan applications’ financial data, including income statements, balance sheets, and cashflow statements to assess creditworthiness Risk Assessment: Evaluate the risk providing extending credit to individuals or businesses based on factors such as credit history, payment behaviour, and market conditions Financial Statement Analysis: Analyse financial statements and ratios to gauge the financial health of potential borrowers and… Show more  Credit Analysis: Perform comprehensive analysis of loan applications’ financial data, including income statements, balance sheets, and cashflow statements to assess creditworthiness Risk Assessment: Evaluate the risk providing extending credit to individuals or businesses based on factors such as credit history, payment behaviour, and market conditions Financial Statement Analysis: Analyse financial statements and ratios to gauge the financial health of potential borrowers and identify any red flags or areas to concern Credit Policy Adherence: Ensure compliance with the bank’s credit policies and procedures while making credit decisions Documentation: Prepare comprehensive credit memos and loan proposals, outline the rationale for lending decisions, and presenting recommendations to senior management and/or credit committees Relationship Management: Collaborate with loan officers, relationship managers, and other stakeholders to gather necessary information and ensure smooth processing of loan applications Monitoring and Review: Monitor the performances of exiting loan portfolios, conduct periodic reviews, and assess credit risk to proactively identify and mitigate potential issues Show less

 Strategic Planning: Develop and implement strategic plans for banking operations and channel management in alignment with the bank’s overall objectives and goals Branch Operations Oversight: Provide oversight and guidance to branch managers and staff on operational policies, procedures and best practices to ensure efficient and effective branch operations  Service Center Management: Supervise and support service center managers in delivering high-quality customer service and… Show more  Strategic Planning: Develop and implement strategic plans for banking operations and channel management in alignment with the bank’s overall objectives and goals Branch Operations Oversight: Provide oversight and guidance to branch managers and staff on operational policies, procedures and best practices to ensure efficient and effective branch operations  Service Center Management: Supervise and support service center managers in delivering high-quality customer service and operational support to clients, ensuring adherence to service standards and regulatory requirements Channel Management: Oversee the management and optimization of various banking channels, including online banking, mobile banking, ATMs, Self-Banking Units and KIOSKs to enhance customer experience and accessibility Performance Monitoring: Monitor key performance indicators (KPIs) relate to banking operations and channel management, such as transaction volumes, service quality metrics and customer satisfaction scores and took corrective actions as needed to improve performance Risk Management: Identify and mitigate operational risk associated with banking operations and channel management, ensuring compliance with regulatory requirements and internal controls Process Improvement: Continuously evaluate and improved operational processes and workflows to streamline operations, reduce costs and enhance service delivery across branches and channels Staff Development: Provide leadership, coaching and training to branch managers, service center managers and staff to develop their skills capabilities in banking operations and channel management Show less

 Facilitator: The primary liaison officer for People’s Bank to facilitate communications with the vendor (Silverlake, Malaysia) for the Digital Banking Project Project Coordination: The project coordinator and the team leader for the development and successful implementation of People’s Bank Mobile Banking App Leadership: Business analyst team leader of People’s Bank dedicated to the Bank’s Mobile Banking App Project

 Strategic Planning: Develop and implement strategic plans for banking operations and channel management in alignment with the bank’s overall objectives and goals Branch Operations Oversight: Provide oversight and guidance to branch managers and staff on operational policies, procedures and best practices to ensure efficient and effective branch operations  Service Center Management: Supervise and support service center managers in delivering high-quality customer service and… Show more  Strategic Planning: Develop and implement strategic plans for banking operations and channel management in alignment with the bank’s overall objectives and goals Branch Operations Oversight: Provide oversight and guidance to branch managers and staff on operational policies, procedures and best practices to ensure efficient and effective branch operations  Service Center Management: Supervise and support service center managers in delivering high-quality customer service and operational support to clients, ensuring adherence to service standards and regulatory requirements Channel Management: Oversee the management and optimization of various banking channels, including online banking, mobile banking, ATMs, Self-Banking Units and KIOSKs to enhance customer experience and accessibility Performance Monitoring: Monitor key performance indicators (KPIs) relate to banking operations and channel management, such as transaction volumes, service quality metrics and customer satisfaction scores and took corrective actions as needed to improve performance Risk Management: Identify and mitigate operational risk associated with banking operations and channel management, ensuring compliance with regulatory requirements and internal controls Process Improvement: Continuously evaluate and improved operational processes and workflows to streamline operations, reduce costs and enhance service delivery across branches and channels Staff Development: Provide leadership, coaching and training to branch managers, service center managers and staff to develop their skills capabilities in banking operations and channel management Show less

 Proactive Customer Engagement: Cultivate strong relationships with customers by providing in-depth knowledge of the bank’s products and services, including interest rates, fees and benefits. Identify opportunities to cross-sell and upsell banking products and services, effectively meeting customer needs and increasing revenue. Direct Marketing Initiatives: develop and implement direct marketing strategies to attract new customers and promote banking products and services. Leverage… Show more  Proactive Customer Engagement: Cultivate strong relationships with customers by providing in-depth knowledge of the bank’s products and services, including interest rates, fees and benefits. Identify opportunities to cross-sell and upsell banking products and services, effectively meeting customer needs and increasing revenue. Direct Marketing Initiatives: develop and implement direct marketing strategies to attract new customers and promote banking products and services. Leverage various channels such as phone calls, emails, and direct mail campaigns to reach potential customers and drive sales. Referral Marketing: Encourage existing customers to refer friends, family and collogues to the bank’s products and services through incentivized referral programs. Utilize referral rewards, such as cash bonuses or account credits, to motivate customers to advocate for the bank and expand its customer base organically through word-of-mouth marketing.  Credit Card Promotions and Eligibility Assessment: Design and execute targeted credit card promotions to showcase the benefits and features of the bank’s credit card offerings. Utilize promotional offers such as sign-up bonuses, rewards points, and introductory interest rates to attract new cardholders and encourage existing customers to upgrade their cards. Develop compelling marketing collateral, including digital advertisements, social media campaigns, and in-branch displays, to highlight the value proposition of the bank’s credit cards and drive customer engagements. During canvassing, assess the eligibility of the customers for credit cards using the DBR (Debt Burning Ratio), credit scorings and monthly income. Compliance & Documentation: Ensure compliance with all banking regulations, policies, and procedures, including Know Your Customer (KYC), Anti-Money Laundering (AML), Customer Due Diligence (CDD) requirements. Show less