AKILESH H S
Assistant Manager - RCO
BANGALORE,Karnataka
Summary
Conscientious Banking Operations Manager adept at all facets of retail banking operations and management procedures. Equipped with 7 years of expertise in advanced operational and technical knowledge in Retail lending products. Specialize in streamlining banking operations through efficient management.
Overview
3
3
years of post-secondary education
7
7
years of professional experience
Work History
Assistant Manager - RCO
Mashreq Bank
Bangalore, Karnataka
06.2023 - Current
- Managing secured lending operations with average disbursement of AED
500 Million per month. - Overseeing onboarding and loan servicing of 3 secured products
(Mortgage, SME and Auto). - Administered monthly and annual reviews to direct reports and set clearand measurable goals, action plans, and follow-up procedures.
- Recruited and trained high-performing team members, maintaining optimized customer service.
- Providing feedbacks and recognitions to team members through their performance.
- Evaluating individual performance and rating based on set goals.
Implemented training programs to maximize team member development and potential. - Cost effective hiring as per budget and ensuring optimum utilization of available resource.
- Periodic connects with stake holders, GRC, Compliance and Regulators to ensure that operations comply with relevant laws and CB regulations.
- Monitoring and handling development workflows across large and smallsystem changes and digitization.
TEAM LEAD
Mashreq Bank
Bangalore, Karnataka
08.2019 - Current
- Handling Retail secured operations team and managing smooth business processing.
- Leading and motivating staff to deliver customer service excellence.
- Conducting daily huddles, monthly meetings on performance review.
- Sharing learnings based on key performance review.
- Managing audit requirement documents.
- Arranging annual quality and process audit review and discussing same to staff for better performance.
- Motivating staffs during peak high-volume pressure and month end closure.
- Ensuring team performance as per agreed standards and quality.
- Monitoring Volume inflow and capacity planning as per volume trend analysis.
- Effectively managing leave planning, shift operation and volume targets.
- Monitoring Productivity, Quality, and efficiency as per capacity plan and managing team engagement.
- Coordination with stakeholder for smooth closure and frequent updates on process.
- Stakeholders and onshore management through effective and on time communications.
- Ensuring Quality checks as per BO reports and MIS.
- Review SOP and process note periodically and share feedbacks on process improvements.
- Managed lean implementation framework in retail operations on cost effectiveness and process betterment during appraisal review.
- Managing UAT during change in process and implementation of new technology.
- Sharing Ideas on implementation on macros and AI in manual process to avoid accuracy and time issues.
- Conducting staff annual performance review with skip level manager.
- Conducting initial hiring process and reviewing candidate profile.
- Sharing frequent feedback on performance and appreciating through rewards and recognition.
- Maximizing team knowledge and productivity by arranging effective trainings and skill-based learning programs.
- Minimized resource and time losses by addressing employee or production issue directly and implementing timely solutions.
- Boosted customer satisfaction ratings by enabling staff to implement speedy resolutions on customer escalation and complaints.
SENIOR ASSOCIATE
Mashreq Bank
Bangalore, Bengaluru, Karnataka, KA
- Verifying customer documents to make financial decision to disburse Mortgage, SME and auto loans.
- Ensuring documents meets all statuary requirements as per guidelines and policies.
- Verifying income documents and assessing on credit evaluation to ensure best repayment capacity.
- Verifying business deeds and income statements to ensure repayment flexibility.
- VIN verifications on auto loans to secure collateral.
- Decision making on bundle personal loan and overdraft facility in addition to existing lending.
- Ensuring all statutory requirements and loan agreements are created and singed as per guidelines.
- Ensuring Islamic facilities are meeting Ijhara conditions and Islamic law on lending.
- Creation of Document checklist to make sure customer meets all statutory requirement and credit conditions before funding.
- Making quality decisions on request and validating security checks are performed to keep lending facility secured.
- Ensuring customer’s life and property is covered under Annual Insurance policy before disbursement.
- Verifying he Insurance details meets regulatory based on loan tenure, no of applicants and income consideration.
- Ensuring all documents are signed by customer as per KYC document and verified by mortgage advisor., Received Spot award and recognized as best performer for month of Feb-2020 and May-2020.
LENDING OFFICER
ANZ
Bangalore, KA
08.2016 - 08.2019
- Handling Monetary and non-monetary transactions and managing in transfer of funds on time.
- Ensuring all loan variation letters are posted to customers on time as per CCCFA (Credit contracts and Consumer Finance ACT, NZ) policy.
- Involved in process of funding new loan and settlements of 200 Million AUD.
- Providing loan audit information through ACR (Auditor confirmation report).
- Disclosing all guaranties and loan variation details to guarantors.
- Posting GSA, SSA (General and specified security agreements) to customers and auditors for commercial loans.
- Making quality decisions on new funding and monetary transactions as per he process guide.
- Handling customer issues and escalation in professional manner in adherence to company policy.
- Handled Inbound and outbound call with solicitors.
- Involved in Statistical analysis status (Error) reporting every day.
- Usage of macro and automation for report creation and non-monetary transactions.
Operation Support Analyst-Project PPSR Remediation
ANZ
Bengaluru, Karnataka
12.2016 - 05.2017
- Involved in Remediating 620,000.00 Property registrations to ANZ customers to ensure no loss to bank on Retail and Asset finance lending due to incorrect information and documents uploaded in personal property registrations to ANZ customers to ensure no loss to bank on Retail and Asset finance lending due to incorrect information and documents uploaded in personal property security register website (PPSR - Governed by Australian Financial security authority).
- Locating and verifying collateral marking on property registration on all lending.
- •Obtaining legal consent on documents with no collateral marking on General security agreement and specified security agreement.
- Ensured re-registration with ANZ collateral marking for all glitch found in project.
Education
Bachelor of Commerce - Accounting
Sree Venkateshwara College of Science & Management
Bengaluru 04.2013 - 05.2016
Skills
People management, Team Handling
Accomplishments
Mashreq Bank-Bengaluru, KA ·
winer of CEO award for 2021 & 2022 Recognized for outstanding contribution in H1-2022 Received several Spot award/ Extra miler award between Aug-2019 to Oct2023 Recognized as Mashreq Value Champion quater4 in 2019.
ANZ-Bangalore, KA ·
Recognized as a Star performer for multiple months from 2017 to 2019 · Selected as QC officer for the team.
Timeline
Assistant Manager - RCO
Mashreq Bank
06.2023 - Current
TEAM LEAD
Mashreq Bank
08.2019 - Current
Operation Support Analyst-Project PPSR Remediation
ANZ
12.2016 - 05.2017
LENDING OFFICER
ANZ
08.2016 - 08.2019
Bachelor of Commerce - Accounting
Sree Venkateshwara College of Science & Management
04.2013 - 05.2016
SENIOR ASSOCIATE
Mashreq Bank
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