Aug 2021 – Nov 2023 · 2 yrs 3 mos · Chengalpattu, Tamil Nadu, India · On-site

•  Performance review of Branch - disbursements and collections to
• achieve 100% target.
•  Review on daily sales and collection against DRR at FLO level.
•  Monitoring FLO productivity to ensure Branch are achieving the
• prescribed productivity.
•  Visiting Branch and ensuring overall Branch hygiene
•  Managing equal portfolio distribution within Front-line officers.
•  Ensuring 100% achievement of Regular and 1 to 30 regular bucket
• collection efficiency and overall CE (excluding 360+).
•  Monitoring and reviewing on time deposition and cash in hand 100%.
•  Ensuring process adherence & RCU compliance
•  Administration & Manpower Management.
•  Dily conduct the Huddle meeting
•  Daily Review Commitment vs Achievement.

Nov 2017 – Aug 2021 · 3 yrs 9 mos · Chennai, Tamil Nadu, India · On-site

•  Business Budget Achievement for Loan Against Property (LAP), Home Loan (HL), Micro Loan (JLG) products
•  Monitored portfolio quality, controlled PAR, NPA, and delinquency levels, and implemented effective collection and
• recovery strategies.
•  Conducted regular branch reviews, business performance analysis, and MIS reporting to senior management.
•  Identified new markets and expansion opportunities to increase customer base and deepen financial inclusion.
•  Strengthened risk management by overseeing credit appraisal, disbursement controls, and post-disbursement monitoring.
•  Coordinated with credit, legal, and recovery teams to resolve stressed accounts and minimize losses.
•  Ensured high standards of customer experience, grievance redressal, and service delivery across branches.
•  Supported recruitment, training, and performance management of field and branch staff.
•  Implemented process improvements and digital initiatives to enhance operational efficiency.
•  Monitored property legal, technical, and valuation processes for HL & LAP to ensure risk-controlled lending.
•  Managed credit appraisal, income assessment, collateral evaluation, and sanction processes for secured loans.
•  Controlled portfolio quality by tracking DPD, PAR, NPA levels, and initiating early warning and corrective actions.
•  Led collection and recovery strategies for HL & LAP, coordinating with legal, SARFAESI, and recovery teams where
• applicable.

Jul 2015 – Oct 2017 · 2 yrs 3 mos · Chengalpattu, Tamil Nadu, India · On-site

•  Overseeing the daily operations of the branch and ensuring all activities run smoothly
•  Managing a team of employees and providing leadership and direction to achieve branch goals
•  Developing and implementing strategies to improve branch performance and profitability
•  Handling any customer complaints or issues in a timely and effective manner
•  Identifying training needs and providing coaching and development opportunities for staff
•  Petty cash management, payment follow up, bank reconciliation
•  Branch administration and control
•  Credit check (Pre sanctioned and post sanctioned)
•  Disburse loan to identified communities in a time - efficient manner and ensure that loan payments are made timely as well
•  Building and maintaining relationships with customers, vendors, and other stakeholders
•  Ensuring compliance with company policies and procedures, as well as industry regulations
•  To monitor and supervise all the operational activities of branch on daily basis and ensure satisfactory audit ratings for the branch
•  Ensure quality customer services are provided at branch
•  Handling Customer Complaints
•  Monitoring Key register / Password Handover and Takeover at branch
•  Monthly verification of gold packets for Gold Loan

Oct 2012 – Jun 2015 · 2 yrs 8 mos · Chennai, Tamil Nadu, India

•  Safeguard and advance cash from vault for daily loan disbursement, cash withdrawal and settlement of other expenses.
•  Prepare expense vouchers attaching with sufficient supporting documents.
•  Collect daily cash from loan payment, customer deposit and cash return from tellers.
•  Reconcile daily physical cash with cash balance in accounting system and prepare daily cash count sheet.
•  Input customer's information into accounting system to generate customer identification number, loan account, and saving account.
•  Print out loan repayment schedule, customer profile and account statement for customers and other stakeholders.
•  Explain to customer on their repayment schedule, credit discipline and other related policies and procedure.
•  Perform cash count with branch manager, controller, internal auditor, external auditor and other related supervision authority.
•  Perform other tasks assigned by manager.

Sep 2011 – Sep 2012 · 1 yr · Chennai, Tamil Nadu, India · On-site

•  Preparation of Documents & Reports in Microsoft Word, Excel.
•  Accessing SAP-Finance & Accounts Module following areas.
•  Processing of Bills for Payment
•  Preparation of Vouchers
•  Clearing of GR/IR A/c
•  Clearing of Vendor A/c