Aarthy Sivashankar

As a relationship manager with the Credit section, I am responsible for managing and optimizing the overall working capital. This includes overseeing credit risk assessment, credit approval processes, and monitoring credit performance. The role also involves collaborating with various departments and stakeholders to ensure the efficient utilization of financial resources while minimizing credit-related risks.

The roles and responsibilities include:

• Spearheading the customer service initiatives, ensuring exceptional client interactions, and prompt issue resolutions.
• Managing daily banking operations, overseeing accurate transaction processing, and maintaining compliance with regulatory guidelines.
• Maintaining healthy sales targets for various banking products through proactive promotion and effective cross-selling techniques.
• Implementing and enforcing security measures to minimize or avoid fraud risks, and ensuring a secure banking environment.
• Collaborating with cross-functional teams to streamline various processes, improve service delivery, and enhance overall operational efficiency.

• Ensured the highest standards of Know-Your-Customer (KYC) requirements by administering the file flow from login to disbursements, such as preliminary checks for documents like KYC, APS entry, and verification of documents like income papers, bank statements, etc.
• Directed all operational aspects, including distribution operations, customer service, human resources, administration, and sales. Developed forecasts, financial objectives, and business plans.
• Assessed local market conditions and identified current and prospective sales opportunities.
• Met goals and metrics; managed budget and allocated funds appropriately.
• Brought out the best of the branch's personnel by providing training, coaching, development, and motivation.
• Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities.
• Created and sustained a dynamic environment that fosters development opportunities and motivates high performance among team members.
• Cost control, including checking for income leakages, reducing controllable expenses, timely processing and monitoring of customer instructions/transactions, backlog management, improving FTR percentage, reducing re-work, and educating clients to provide clean documents.
• Periodic Audit and Inspection to ensure no gaps in the process and repeat of audit.
• AML/KYC/RE-KYC and other operational and compliance adherence, maintenance of cash retention limit, and ATM.
• Monitoring the sundry accounts, walk-in accounts, and ensuring the number of CRL breach incidences to be null or negligible as per the organization metric.
• Timely reversal, responding to the SA/SL/Office account entries, branch upkeep and maintenance, which includes timely archival of documents.

• Handled banking operations related to determining financial objectives, preparing & implementing systems, policies & procedures for streamlining the banking operations
• Managed the overall functioning of the process, identify improvement areas and implement adequate measures to maximize the customer satisfaction level
• Handled current account deposits, savings account deposits, cash, & administrative departments
• Followed the process/procedure of the bank & ensuring compliance with the rules and regulations of the bank including the latest circulars & notifications
• Managed customer-centric banking operations, forwarding customer instructions to the concerned department & ensuring customer satisfaction by achieving delivery & service quality norms
• Created and maintained healthy business relations with clients, ensuring high customer satisfaction matrices by achieving delivery & service quality norms
• Led, managed & monitored the performance of team members to ensure efficiency in banking operations and meeting individual & group targets