• Coordinated with multiple banks for syndicated and bilateral loan deals, ensuring smooth sanctioning and disbursement for SME clients.
• Oversaw loan servicing activities – EMI scheduling, interest resets, repayment follow-ups, and CERSAI updates.
• Structured customized funding solutions by aligning borrower requirements with credit policies of partner banks.
• Ensured post-disbursement compliance, security perfection, and portfolio monitoring to keep NPAs under control.
• Spearheaded overall branch operations, sales, and compliance, ensuring 100% audit readiness and adherence to RBI and internal regulatory standards.
• Achieved consistent YOY business growth, driving CASA, retail assets, third-party products.
• Handling Home Loan (Regular & Affordable Loans), Loan Against Property, Cash Credit, Vehicle Loan, Business Loan, Gold Loan, conducting PD Visits, and performing CIBIL Verifications.
• Led a high-performing team of 10 employees, ensuring target achievement across liabilities, assets, and fee-income lines.
• Strengthened branch’s SME lending portfolio, ensuring credit quality and timely disbursements to support business clients.
• Grew business mix by 21% through focused sales strategies and portfolio deepening.
• Proactively sourced retail and SME loans (home loans, LAP, business loans, auto loans), contributing to consistent growth in loan book across the branch.
• Coordinated end-to-end loan processing – from login to sanction – ensuring TAT compliance and seamless customer experiences.
• Supervised accurate documentation and KYC checks, ensuring 100% adherence to internal credit policies and regulatory norms.
• Worked closely with credit, legal, and technical teams to ensure timely disbursal and minimal rejection rates.
• Portfolio & Delinquency Management.

Achievements :

• Controlled NPA percentage of Branch.
• Successfully handled team of 10 staff.
• Increase in branch business mix by 21%.

Growth Path :

Branch Manager (August 2022 – May 2023)
Probationary Branch Manager (June 2020 – July 2022)
Officer (Janaury 2016 – June 2020)

• Acted as a single point of contact for consortium financing – liaised with other banks for sanction coordination, documentation, and monitoring.
• Handled complete life cycle of loans including pre-disbursement checks, disbursement, and regular servicing.
• Worked closely with legal teams and valuers for title clearance and security creation.
• Maintained strong borrower relationships to manage repayments and improve collection efficiency.
• Analyzed customer’s business setup, credit reports, and income documents to determine loan requirements and eligibility.
• Oversaw end-to-end Home Loan & LAP disbursement process, ensuring compliance with credit policies and regulatory norms.
• Conducted Personal Discussions (PDs) and field visits for Loan proposals of Home loan, self-employed affordable housing borrowers, Business loan, Loan against Property, strengthening risk assessment.
• Handled Home Loan, Loan Against Property, Cash Credit, Vehicle Loan, Business Loan, Gold Loan, conducting PD Visits, and performing CIBIL Verifications.
• Prepared detailed proposal documents for loan eligibility after analyzing customer data as per credit guidelines.
• Sourced various accounts including Current, Savings, Fixed Deposits, Recurring Deposits, and multiple Loan Accounts.
• Conducted thorough checks and processing of accounts, ensuring accuracy and compliance.
• Coordinated bank insurance business and Home Loan marketing efforts.
• Managed vendors, tracked verification data from agencies, and ensured timely payment of service bills.
• Supported and managed teams, providing guidance and assistance as needed.
• Oversaw branch operations and ensured smooth functioning.
• Conducted credit analysis and ensured compliance with audit requirements.
• Managed portfolios and assessed risks.
• Implemented process improvements for banking operations.
• Experienced in processing Personal Loans, Staff Personal Loans, and Personal Loan Top-ups, Home loan, Loan Against property, Business Loan, Vehicle loan, Gold loans.
• Managed third-party products like General Insurance and Housing Loans.
• Assessed customer business setups, credit reports, and income documents for loan eligibility.
• Completed loan documents, recommended loan files to Head Office, and facilitated disbursements.
• Collaborated with Legal advisors and property valuers during loan processing.
• Conducted pre-disbursement and post-disbursement visits to ensure compliance.
• Handled loan document processing, including charge creation and satisfaction in CERSAI.
• Managed branch audits and ensured regulatory compliance.
• Possessed in-depth knowledge of day-to-day banking operations and consistently achieved sales targets while acquiring New To Bank (NTB) business.

Achievements :

• Controlled NPA percentage of Nashik branch.
• Successfully handled team of 14 staff.
• Increase in branch business mix by 30%.

• Managed branch operations, including customer service, audit compliance, and cash handling.
• Actively sourced Home Loans and Loan Against Property as part of branch retail business targets.
• Collaborated with sales and credit teams to expand affordable housing penetration in semi-urban/rural markets.
• Conducted reconciliations and monitored the Suspense account to ensure accuracy.
• Sourced various accounts, including Current, Savings, and Loan Accounts.
• Actively engaged in cross-selling financial products like FDs, RDs, Insurance, and Mutual Funds.
• Authorized transactions for inward clearing, outward clearing, and Cash Management Services (CMS).
• Authorized RTGS, NEFT, fund transfers, and customer requests, ensuring compliance.
• Managed efficient clearing fund operations within the branch.
• Oversaw inbound and outbound teams, ensuring smooth operations and customer service.
• Processed Gold Loan applications according to established procedures.
• Conducted thorough checks of Savings and Current Accounts to minimize rejections.
• Delivered prompt and high-quality customer service.
• Conducted commerce and catchment mapping to target potential customers.
• Resolved customer complaints and managed escalations to ensure satisfaction.
• Verified Vault cash, Gold Loan pouches, ATM cash, and Kisan Vikas Patra (KKV) documents.
• Verified and reconciled the bank’s secured stationery, including Cheque books, Demand Drafts (DDs), and Fixed Deposit Receipts (FDRs).

Achievements :

• Audit score 90% in RRM audit throughout the year.
• Customer service quality score 100%.
• Regional Ranking 13th in Target achievement.
• Zonal Ranking 22th in DBM BSC 2014-15.

• Supported sourcing of Home Loans across salaried and self-employed customers, ensuring strong disbursement volumes.
• Reviewed and submission loan applications, ensuring adherence to bank policies and regulations.
• Coordinated with branch staff to ensure consistent service quality & compliance.
• Monitored daily branch operations to maintain high standards of customer service.
• Ensured the security and integrity of customer data and branch records.
• Conducted training sessions for new employees on branch operations and compliance procedures.
• Implemented strategies to enhance customer engagement and satisfaction.
• Reviewed and approved loan applications, ensuring adherence to bank policies and regulations.
• Analyzed branch performance metrics to identify areas for improvement and implement corrective actions.
• Liaised with the IT department to address and resolve technical issues affecting branch operations.
• Managed branch budgets and ensured efficient allocation of resources.
• Conducted regular audits pre checks to ensure compliance with internal and external regulatory requirements.

Achievemets :

• Achieved satisfactory audit ratings for process audit and main audit.
• Actively and successfully conducted back up clearing.
• Reduction in fund cost by managing SBI Fund.

• Managed Clearing Department operations, ensuring the timely and accurate processing of financial transactions.
• Oversaw cash handling, including receipt and payment processes, while maintaining stringent security and accuracy standards.
• Facilitated the management of Fixed Deposit accounts, optimizing returns on investments for the organization.
• Processed Demand Drafts, meeting customer requests and enhancing banking services.
• Handled customer accounts, including Savings and Current Accounts, providing comprehensive banking solutions and services.