Branch Manager | Canara Bank | Bastar, Chhattisgarh
- Achieved the role of Branch Manager with less than 4 years of experience, becoming the youngest member of the team, and successfully led the branch to strong performance through effective leadership and strategic management.
- Increased branch business by 15.65% within a year through data-driven strategies and expanding the customer base, driving sustainable growth, and maximizing the branch's potential.
- Managed comprehensive assets and liabilities, maintaining financial equilibrium, and recovering 2.7% of the branch's Non-Performing Assets by value.
- Expanded the branch's customer base by 14.81% through the acquisition of new CASA accounts, generating low-cost lendable funds for the bank and potential opportunities for future business growth for the branch.
- Spearheaded and motivated staff to actively cross-sell third-party products, including mutual funds and insurance, resulting in a 12% increase in the branch's non-interest income.
- Achieved a 90.80% spot rectification rate in the branch's Risk-Based Internal Audit, ranking in the top 10% of branches, and received commendation from the regional office for exceptional performance.
- Fostered a positive work environment through teamwork and open communication, prioritizing skill development via targeted training programs and mentoring, which empowered staff to enhance their capabilities and contribute to the branch's success.
Officer | Canara Bank | Retail Assets Hub (Loan Processing Centre), Raipur
- Key contributor in a 5-member team that processed over 1,000 loan applications across 67 branches in a year, achieving a 16.24% year-on-year growth for FY 2022-23.
- Proactively drove cross-selling efforts, achieving 100% coverage of all housing loans for the full loan amount under the bancassurance scheme, providing dual benefits of asset protection and generating non-interest income.
- Facilitated the seamless execution of the Risk-Based Internal Audit for the RAH, achieving 86.6% spot rectification for all generated queries.
- Forged strategic alliances with over 10 major property developers and over 25 automotive dealerships, securing more than 100 housing and vehicle loan proposals, contributing to sustained business growth.
- Directed all 67 associated branches to ensure strict adherence to policies and regulatory compliance, effectively safeguarding asset quality and maintaining operational integrity.
Officer | Canara Bank | Head Office, Bangalore
- Spearheaded the development of an end-to-end digital lending platform for personal loans in collaboration with FinTech firm Jocata e-Solutions, reducing turnaround time (TAT) by over 20% and enhancing operational efficiency.
- Collaborated with diverse stakeholders to develop digital banking solutions and lending platforms, contributing to Canara Bank securing Third Position in the 2022 EASE Rankings by the Department of Financial Services, Ministry of Finance.
- Trained the staff at 24 circle offices across India by organizing virtual KT session for new digital retail lending products.
- Led cross-functional collaboration with Retail Asset Hubs, and In-house IT cell, to automate the post-sanction loan document preparation, improving operational efficiency by over 10%.
- Contributed to the development of new guidelines following the merger of Canara Bank and Syndicate Bank, ensuring seamless integration, operational efficiency, and delivering the best of both banks to customers.
- Processed over 1 lakh PMAY subsidy applications for 9,800+ branches as part of a threemember team, in collaboration with NHB and the Ministry of Housing and Urban Affairs.
- Ensured compliance with regulatory guidelines by coordinating with the RBI and preparing prompt responses to RBI indents.
- Administered the performance of 242 RAHs, ensuring timely achievement of loan and card business targets by implementing a rewards system for various campaigns. Acted as the key liaison between RAHs and the Head Office to drive alignment and performance.
- Conducted peer bank analysis to identify competitive strengths, areas for improvement, and new opportunities for business growth.