Manager - Union Bank of India
Operations Management

• Supervised a team as Deputy Branch Head, managed end-to-end retail banking operations of the branch alongside branch head in a mid-sized branch.
• Integrated best practices and bank’s guidelines for management, tracking and monitoring of accounts.
• Facilitated customer relationship management by resolving customer grievances lodged in PGRS within stipulated TAT.
• Ensured Branch Audit Compliance alongside the Branch Head to reduce branch revenue leakage.

People Management

• Mobilized CASA and Retail Term Deposits through outreach campaigns and strategic partnerships.
• As a Branch Digital Liaison Officer, pushed for digital adoption and devised digital sales strategies for improving penetration.

Credit Management

• Worked as a processing officer at the branch level for retail loans.
• Worked on various banking tools, viz., LAS – Loan Application Software (for retail and SME loans), CBS (Core Banking Solutions) Finacle 10.
• Ensured timely creation of bank’s charge on the collateral securities of the loans sanctioned and disbursed.
• Prepared executive summary, loan appraisal, risk assessment, and monitored stocks and collateral for asset portfolio of 100+ clients.
• Devised strategy for NPA/Stressed Loan and contributed to their recoveries through active negotiation and One Time Settlement.