Strategic Planning & Operations management
❖ Responsible for all activities, including the management, operation and development of Financing Organization, to support the strategic objectives with respect to assets under management.
❖ In charge of administration of BANK in accordance with the principles and guidelines laid down by the Executive Board.
❖ Responsible for organic and inorganic growth through sales team
❖ Negotiate commercial propositions for all opportunities.
❖ Drive growth and profitability by increasing market share and increasing the portfolio across regions pan India.
Retail Banking & Corporate Banking
❖ Entrepreneurial leader recognized for increasing revenue and profitability, achieving business sustainability, and augmenting organizational capabilities in the retail Liabilities, assets, consumer loans, Priority Sector Lending & SME Financing sectors
❖ An astute and competent professional with more than 16+ yrs of Financing experience in - Mortgage Loans, Home Loans, Construction Finance Loans, SME Financing, Auto Loans, and Personal Loans. Expertise in Credit & Collection Administration, Business Development, Real Estate Business, Client Servicing and People Management.
❖ Streamlined operations of organization with focus on top-line & bottom-line performance, cost control and highest level of customer satisfaction
❖ Expertise in building capable teams, forming and managing strategic alliances on a local & global scale, and mitigating risk
Digital Banking & Payment banking
❖ Ensured strategic alliance with Reliance Jio to provide a platform offering digital banking, ecommerce, and financial services to customers via the SBI YONO app
❖ RIL and SBI already have a 70:30 joint venture, the Jio Payments Bank.
❖ YONO digital banking features and solutions will be enabled through the MyJio app, and Jio Prime will offer exclusive deals from Reliance Retail and Reliance Jio.
❖ YONO’s digital banking features and solutions will be enabled through MyJio app for customers. Reliance Jio Prime will offer exclusive deals to SBI customers from Reliance Retail, Jio, partner brands, and merchants.
❖ Utilizing superior networks and platforms combined with retail ecosystem to accelerate digital adoption serving all the needs for SBI’s and Jio’s customers
❖ Engaging Jio as one of its preferred partners for designing and providing network and connectivity solutions
❖ Launched customer-centric services such as video banking and other on-demand services.
❖ Ensured Jio Phones be available on special offers for SBI customers
❖ Developed Targeted approach to Reliance 12.9 crore customers and SBI 42.42 crore customers
❖ Implemented process flow for users to Create or Open Savings Accounts with eKyc Verification Online.
❖ Transfer Money to Jio Payments bank accounts. Users also Get Jio Bank Debit/ ATM Card to get cash from ATM’s.
❖ Planed and executed stages from inception on Deposits,Loans,Insurance, mutual funds products through payment bank
❖ Lead entire online digital lending business. Develop core platforms: Digital Loan application platform, customized CRM, Loan Management System, Alternate Data platform to manage end to end loan cycle, from lead generation to loan closure.
IT (Information Technology) management
❖ Plan IT strategy and ensuring its execution across the organization
❖ Handling IT applications, infrastructure and security of the bank
❖ Building and maintaining relationship with stakeholders across departments and ensure smooth IT support to their functions
❖ Setting up Business continuity and Disaster recovery sites for the bank
❖ Building and maintaining good relationship with IT vendors and coordinate and implement projects with different business units
❖ Assimilate new technology solutions, lead digitization initiatives and other enterprise level roll outs
❖ Work closely with QA, Professional Services,Developers to drive product development
❖ Establish technical standards and ensure adherence to them for product development and company operations.
❖ Responsible for digitizing the entire gamut of banking operations. Reduction in cost of operations by leveraging the digital shift.
❖ Maintaining competitive advantage over peers on digital banking and leveraging the Digital Ecosystem
❖ Optimizing and managing the technology network in a manner it delivers high efficiency with sufficient resilience and yet managing costs effectively
❖ Identify needs and ensuring ideal software solutions are developed in a timely manner to help operations
❖ Increase operational efficiency and also leading edge products
❖ Develop and maintain overall framework of IT policies, standards and strategies that will empower business and people to deliver on their commitments to the strategy and budgets
Trade Finance
❖ Supervising Trade Finance services provided to BANK’s corporate customers ensuring that the department is adequately geared towards maximising customer satisfaction through quality service.
Banking Law & Legal Processes
Ensure that the legal interests of The BANK and its Assets are protected & pursued. This includes:
❖ Safeguard assets in the BANK through appropriate legal means
❖ Ensure limited liability for The BANK in relation to the day to day activities
❖ Mitigate legal risks associated with contracts and documentation across all parts of BANK’s operations
❖ Pursue interests under contract and as an owner of financial instruments through legal means. This includes
➢ Recovery & Collection of Asset claims of the BANK,
➢ Participation in NPA auctions & shareholder actions
➢ Litigations in line with the principles laid down by the Executive Board.
Market and Liquidity compliance
❖ Managing market risk exposure on RBI Interest Rate Derivatives desk covering vanilla and exotic options, structured notes, swaps and treasuries
❖ Monitoring as per RBI guidelines : Basel III Framework on Liquidity Standards – Liquidity Coverage Ratio (LCR), Liquidity Risk Monitoring Tools and LCR Disclosure Standards
❖ Strict adherence of ALM guidelines
❖ Performing deep dives on risk and P&L on the portfolio and discussing with traders on the market activity, client trades, trade approvals and hedging strategy
❖ Managing and proposing risk limits for the desk in line with the risk appetite for the division
❖ Working with methodology and Quants Strats teams to discuss pricing, valuation and modelling changes
❖ Designing automated excel tools to aggregate large amount of trade and risk data to enable risk deep dive
❖ Designed expiry reports for options portfolio for daily monitoring and control
❖ Analyzing historical market data to develop ad-hoc risk models for swaps and options portfolio
❖ Working with the traders to discuss hedging activity to prevent or to remediate a limit breach
❖ Preparing market shock scenarios for key events e.g. State Elections, Monsoon, Oil prices,Foreign Policy etc. and discussing with top management on risk and PL appetite over the events.
❖ Establish market risk measurement systems, in line with HO & Local Regulatory requirements · Monitor Market Risk · Monitor various limits like AGL, IGL, NOOP, VaR etc.
Internal Process Compliance
Responsible for establishing internal risk and compliance systems and procedures, appropriate for the Asset and portfolios under management. This includes:
❖ Ensure that assets are managed within the constraints laid down by BANK’s policy.And restrictions are regularly monitored for compliance;
❖ Ensure that assets are managed so that they comply with market rules and regulations and that BANK’s adherence to these obligations are regularly monitored for compliance;
❖ Manage all contact between the RBI and regulatory authorities with respect to BANK activities;
❖ Establish satisfactory risk systems and control procedures for investment management which meet international recognized standards, including systems for the management of market, credit, counterparty and operational risks, valuation and measurement of returns;
❖ Establish and maintain contingency plans for BANK’s operations;
❖ Organize BANK’s operations in such a way that, to the extent possible, its employees do not have access to confidential information from other parts of The BANK;
❖ Maintain guidelines for valuation of instruments about internal transactions between the real estate portfolio and the equity and fixed income portfolios.
❖ Establish appropriate requirements and procedures governing the code of conduct of BANK employees in accordance with the ethical rules laid down by the Executive Board and ensure such rules are observed;
❖ Manage exclusions of companies from funds and portfolios in line with Ministry of Finance decisions.
Credit Management & Operations Management
❖ Developing credit risk model for branch operations and credit rating framework in line with BANK policy
❖ Ensure risk is measure by Quality of assigned loan portfolio, % of classified outstanding, loan loss provisions, Volume of assigned portfolio etc
❖ Early detection of warning signals to ensure timely corrective action, and hence minimize loan losses.
❖ Be vigilant about changing credit risk environment / profiles of countries / regions in general and customers / relationships in particular by developing, setting up and ensuring ongoing and periodic monitoring and reviews.
❖ Review credit policies and procedures on a periodical basis, and recommend changes where appropriate.
❖ Develop, document and review deals, credit products / services and provide business solutions which meets business and customer requirements within credit and operational risk guidelines and policies.
❖ Managing and monitoring local regulatory requirements such as Borrower norms, Sectoral limits, Priority Sector Lending
❖ Review and comply with the credit policies and procedures.Approve credit within delegated lending authorities based on acceptable underwriting standards ·
❖ Conduct periodic portfolio reviews and portfolio stress testing and identify weak credits and take necessary action as remedy
❖ Facilitate branch wise risk assessments and monitors priority risks accordingly.
❖ Define policies regarding management responsibilities, control standards and accountabilities that ensure the stability and surety of all transaction processing.
Finance & Accounts management
Responsible for Budgeting and Finance & Accounting process for the BANK
❖ Develop an appropriate cost structure within BANK; And include for Budgeting & revenue plan purpose
❖ Prepare and implement the strategic and annual plans and ensure that these are formally updated on a regular basis, as well as whenever necessary to reflect significant changes;
❖ Ensure BANK operates in a cost effective manner and propose an annual budget and cost framework for activities;
❖ Conclude financial reporting and accounting, including Advances & Deposits records of BANK, preparation of quarterly and annual accounts ( Balance sheet and Profit & Loss) in line with applicable accounting rules and The BANKs accounting policies;
❖ Drive the revenue and profitability targets by timely billing and collection.
❖ Develop a robust pricing model to ensure commercials meet EBIDTA targets for the business
Cash Management
❖ Improving the cash shortage and billings by cashiers & Tellers through SOP
❖ Ensure match Daily Deposits & Advance Reports with cash movement report
❖ Developing strategies to optimize cash position of the company
❖ Predicting cash requirements and cash position through analysis of budgetary needs and financial reports
❖ Process : ATM Cash Replenish,Cash Transit ( RBI, SBI Branches) NEFT, RTGS, Inward & Outward Cheque Clearing, Fixed Deposit, CASA account opening documents verification, Fund transfer, TT ( Telegraphic Transfer), currency exchange,Vault management,Gold & Silver coins management, Portfolio management, Salary Upload, Forex DD Selling, Forex TC Selling, Forex card, Etc...
Credit Management
❖ Conduct independent fundamental credit analysis, due diligence and research of Real estate investments & Advances
❖ Finalize terms and conditions for contract, transactions & vetted by legal counsel to ensure appropriate documentation
❖ Responsible for sourcing and fundamental credit analysis of direct lendings & delinquency levels.
❖ Responsible for underwriting, structuring and executing direct real estate construction loans and investments
❖ Leading acquisitions, capital growth, restructuring, real estate financing and liquidity situations.
❖ Responsible for sourcing, assessing, executing and monitoring debt investment opportunities.
❖ Sourcing of new investments by cross selling retail teams, industry sources and investment brokers and BANK networks.
❖ Responsible for Financial modelling of investment opportunities
❖ Lead evaluation process ,review of due diligence reports & preparation of internal investment reports in conjunction.
❖ Get approvals from Investment Committee to mitigate credit, legal, industry and relevant risks
❖ Negotiation and review of transaction legal documentation and liaising with internal and external legal counsel
❖ Monitor portfolio investments including waivers , amendments and fund valuation process. And reporting to board of Directors /investors
Audit Management
❖ Managing Audits of Corporate & Investment banking (CIB) transactions including CAG audit.
❖ Responsible for Internal Audits, Statutory Audits, External Audits
❖ Managing risk assessments, audit planning, audit testing, work paper documentation and review, control evaluation, issue identification, drafting of audit reports, and verification of action plan closure.
❖ Discussing with Board of Directors on issues and root cause analysis .
❖ Keep updated & train team on accounting, regulatory and market developments.
❖ Perform monitoring of financial and control indicators to recognize patterns and trends with risk and control implications by participating in CIB control and governance forums and review/analysis of key metrics.
❖ Build and maintain key relationships with stakeholders, establishing a culture of engagement while adding value.
❖ Work with business auditors in early identification of emerging control issues,reporting to management.
❖ Ensuring adequate coverage of key controls; capacity planning and effective scheduling of all CIB.
Operations management
❖ Leading comprehensive operations, including general management, budgeting, P&L management, Project viability analysis, Project financing, Credit Appraisal, Delinquency analysis, collections, Operations, Bidding, Cost management, Staffing, Training etc
❖ Handled funding’s (from Inception to completion) Documentation, technical/legal verification, credit appraisals, expedition of legal documents, agreements & MOUs, funding, verification, collections, closure etc.
❖ Provides general oversight of all activities, manages the day-to-day operations, and assures a smoothly functioning, efficient organization.
❖ Maximized company growth and profitability by effectively controlling costs, cultivating high-margin opportunities, and introducing targeted process improvement
❖ Monitor operational performance of the business across geographies through regional teams and ensure KPIs are met
❖ Ensure operational TATs and quality norms are adhered to in order to improve performance standards.Eventually reducing TAT, Operating Cost and increase efficiency by 5S.
Human Resource & People management
❖ Assures a work environment that recruits, retains and supports quality staff. Assures process for selecting, development, motivating, and evaluating staff
Market networks & Government affairs
❖ Liaison with Real estate builders, Automobile dealers, multi brand retailers, Ecommerce companies, Cas, BANKs & Government departments.
❖ Established relationships with Customers, clients, internal staff at all levels, external partners, and government regulatory officials
Chief Operating Officer – State Bank of India
Risk Management
❖ Establish the credit risk management functions; formulated the risk policy framework, strategy, processes and procedures
❖ Approve credit assessment notes including detailed analysis of business, industry, management & financials
❖ Compute capital charge for credit risk under Standardized Approach, Basel III & Capital Adequacy ratio (CRAR) & RoRWA Analysis
❖ Assess creditworthiness by applying performance history along with liquidity, debt/asset management and profitability ratios
❖ Administer risk management of the allocated portfolio and detected early warning signals
❖ Enhance awareness for & effectiveness of compliance risk assessment and management to support business growth and strengthen the company brand
❖ Finalize the terms and conditions (e.g. Asset facility to be provided and structure) of Loan proposals.
❖ Initiate new ideas for white papers and contributed towards the same
❖ Manage overall product development process for any new enhancement and new product offerings
❖ Perform gap analysis of the review conducted by different areas in the organization to identify opportunities for efficiencies.
Credit and Operations
❖ Analyzing financial Statements, Finalizing of CMA, Concluding of the credit proposals by identifying risk factors, covering detailed analysis of business, industry, management, financials and assigning internal credit rating & Recommending Sanctions
❖ Developing and nurturing productive business relations with key clients to ensure uninterrupted inflow of business.
❖ Regular analysis of stock/debtors statement, FFR, Due diligence report and account statement of client
❖ Monitoring and update on key trends, challenges in the sectors, economic developments as well as financial parameters of clients to detect potential risk triggers
❖ Smooth conduct of Post-Sanction Monitoring like Quarterly Result Analysis, conduct of Legal Audit, conduct of Dynamic Review, closure of Stock & Receivables Audit
❖ Finalizing annual and semi-annual review reports for management, justifying the credit lines sanctioned to the corporates
❖ Conducted Audits mainly Credit Audit & Statutory Audit through preparing credit audit formats & LFAR, filling up financials at OARPS site, presenting Audit Files & resolving Auditors' doubts.
❖ Ensured efficient Audit Compliances through Addressal/Rectification of any adverse remarks made by the Credit/Concurrent/RFIA/Statutory auditors and Loan Review Mechanism on Company's accounts.
❖ Client,Company and factory visit on periodic basis to ensure post-sanction monitoring
❖ Ensuring compliance with standard operating procedure & policy of SBI and RBI Guidelines
Asset Management
❖ Overseeing the facilities management of SBI Bank’s Properties, Internal Support Services,Security & Safety Management.
❖ Supervising the development of a strategic approach to BANK office space need, BANK purchases and other support services related functions.
❖ streamline and minimizing short and long term costs and enhancing overall quality for the BANK.
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