1. Acquisition of credit/loan proposals with focus on priority sector/MSME clients (micro, small and medium enterprises)2. Credit appraisal through preparation of financial data, assessment of collateral quality and analysis of qualitative factors3. Preparing the credit note and getting same approved from the credit team4. Coordinating with Login desk, Credit and Policy team, Disbursement team, BLG team for achieving disbursement targets.

Achievements:• Achieving Life Insurance sales contest in May-June 2020• Activating the branch in business banking within first 3 months of joining• Building portfolio of more than 140 HNW clients in first 9 monthsResponsibilities:1. Managing portfolio of HNW (High Net-Worth) and business banking clients2. Acquiring new HNW and business banking clients3. Managing Relationships with clients by contacting and meeting the clients as per predetermined timelines, looking after service delivery and offering them latest banking products4. Achieving business targets through cross selling products like Life Insurance, Assets, General Insurance, Business banking, Assets, Mutual Funds, etc

• Launching fresh consumer lighting, appliances and electrical brands in Himachal Pradesh and Punjab• Developing and managing Channel Partners in specified geographical area of Himachal Pradesh and Punjab• Assessing suitability of channel partners in terms of sales potential and investment potential• Developing and managing sales team for the specified geographies• Achieving sales and location-wise penetration targets through sales team and channel partnersKey achievements• Successfully launched 7 separate brands of consumer lighting and electricals in Himachal Pradesh in span of 3 years• Responsible for developing and managing business relationships with more than 100 dealers/distributors across the geography of Himachal Pradesh and North Punjab• Responsible achieving a complete penetration of markets of Himachal Pradesh and North Punjab• Achieved sales turnover of more than Rs 200 million in span of 3 years

Relationship Manager, Business Loans GroupResponsible for sourcing and processing of asset proposals for Small and Medium Enterprises (SMEs).• Sourcing of asset proposals with focus on priority sector clients (micro, small and medium enterprises)• Focused on Working Capital Finance of amount from Rs 10 lakhs to Rs 20 Crores• Credit appraisal through preparation of financial data, assessment of collateral quality and analysis of qualitative factors• Preparing the credit note and getting same approved from the credit team• Completing pre-disbursement documentation and legal vetting to ensure disbursement of proposalsKey achievements/responsibilities• Responsible for setting up Business Loans Group (BLG) in Amritsar region• Responsible for achieving disbursement target of Rs 5 crore from minimum of 4 SME clients month-on-month• Responsible for end-to-end client servicing: from client sourcing to credit disbursement

Banking operations, audit and complianceResponsible for ensuring overall audit and compliance of all branch-banking operations• Managing and overseeing daily branch operations• Managing overall audit of the branch by focusing on proper documentation and process compliance • Daily reports checking (Mitra committee reports, etc)• Ensuring compliance of branch operations to satisfaction various government bodies (RBI, IT department, etc) and corporate office.• Responsible for timely opening and closure of branchJewel loan• Handling jewel loan at branch (jewel loan sanction and disbursal, renewal, closure) Branch Quality scoresEnsuring branch health by• Meeting TAT and Quality targets of the FCRM (Finnacle Customer Relationship Management)Branch FOCUS score• Ensuring prompt and satisfactory resolution of over the counter customer requests to ensure high FOCUS (Feedback From Customer) scores• Minimizing customer wait time