ANIL SONKAR
Scale-II Branch Manager | Investment Banking | Credit Operations | NPA Management
Lucknow
Summary
Results-driven Banking Professional with 14 years in branch operations, investment support, retail and MSME lending, and credit administration. Expertise in business development, loan portfolio growth, risk assessment, and NPA reduction through strategic recovery initiatives. Experienced in managing HNI and business clients while ensuring regulatory compliance.
Overview
13
13
years of professional experience
Work History
Scale-II Branch Manager
Punjab National Bank (PNB)
04.2019 - 11.2024
- Managed end-to-end branch banking operations including deposits, advances, customer servicing, and compliance management.
- Successfully increased branch business through strategic customer acquisition and portfolio expansion.
- Increased branch business through strategic customer acquisition and portfolio expansion, enhancing overall branch performance.
- Monitored stressed assets, implementing recovery mechanisms that reduced branch NPAs and safeguarded financial stability.
- Handled credit appraisal and sanction processing for retail, MSME, agriculture, and secured lending proposals.
- Monitored stressed assets and implemented recovery mechanisms to minimize branch NPAs.
- Coordinated with legal and recovery teams for resolution of overdue and NPA accounts.
- Conducted financial analysis, due diligence, and risk evaluation for borrowers and business clients.
- Managed investment-oriented banking relationships for HNI and corporate customers.
- Maintained friendly and professional customer interactions.
- Banking & Financial Exposure
- Retail Banking
- MSME Financing
- Investment Banking Support
- Mortgage & Secured Lending
- Agriculture Advances
- Gold Loan Operations
- Recovery & Collections
- Loan Restructuring
- Monitored branch performance against key performance indicators and took corrective actions to ensure objectives were met.
- Implemented sales strategies to achieve branch targets, consistently exceeding expectations and driving revenue growth.
Scale I Deputy Manager
PNB
04.2016 - 03.2019
- Drive business growth through mobilization of CASA deposits, retail banking products, insurance, and third-party financial products.
- Drove business growth by mobilizing CASA deposits and promoting retail banking products, insurance, and third-party financial products.
- Supervise branch staff, allocate operational responsibilities, and maintain productivity and discipline within the branch.
- Monitor and minimize Non-Performing Assets (NPA) through regular follow-ups, recovery drives, and portfolio monitoring.
- Monitored and minimized Non-Performing Assets (NPA) through strategic follow-ups, targeted recovery drives, and effective portfolio monitoring.
- Conduct credit appraisal, loan documentation, disbursement, monitoring, and recovery activities in compliance with banking regulations.
- Built strong relationships with local communities, farmers, traders, and rural entrepreneurs, expanding branch customer base.
- Build strong relationships with local communities, farmers, traders, and rural entrepreneurs to expand the branch customer base.
- Promote digital banking initiatives including mobile banking, internet banking, Aadhaar-enabled services, and financial literacy programs.
- Handle cash management, vault operations, reconciliation, and security compliance.
- Prepare branch business reports, performance analysis, and operational MIS for higher management.
- Coordinate with government agencies for implementation of rural development and financial inclusion schemes.
Clerk & Head Cashier
PNB
06.2013 - 03.2016
- Manage branch cash operations including receipt, payment, balancing, and vault management.
- Handle high-value cash transactions while ensuring accuracy and adherence to banking procedures.
- Supervise cash counters and maintain adequate cash availability for branch operations.
- Verify and authorize cash-related transactions, cheques, drafts, withdrawals, and deposits.
- Ensure compliance with RBI guidelines, internal banking policies, KYC/AML norms, and audit requirements.
- Maintain daily cash books, balancing registers, ATM cash records, and transaction reconciliation.
- Deliver customer service for account opening, passbook updates, fund transfers, and banking queries.
- Process NEFT, RTGS, DD issuance, clearing transactions, and digital banking support.
- Detect suspicious transactions and report discrepancies or fraud-related concerns to branch management.
- Coordinate with branch staff for operational efficiency and smooth customer flow management.
- Assist in cross-selling banking products such as insurance, fixed deposits, loans, and digital banking services.
- Support branch operations during audits, inspections, and regulatory reviews.
Clerk
Purvanchal Grameen Bank (Sponsored By SBI)
12.2011 - 05.2013
- Handle day-to-day banking transactions including cash deposits, withdrawals, fund transfers, and passbook updates.
- Assist customers with account opening, KYC documentation, Aadhaar seeding, and internet banking registration.
- Process NEFT, RTGS, cheque clearing, fixed deposits, recurring deposits, and loan-related documentation.
- Support agricultural loan processing, Kisan Credit Card (KCC) services, and rural financing activities.
- Maintain customer records, transaction registers, vouchers, and branch documentation accurately.
- Ensure compliance with RBI guidelines, banking regulations, KYC/AML norms, and internal procedures.
- Assist in implementation of government schemes, DBT transactions, pension payments, and financial inclusion programs.
- Provide customer support regarding digital banking services, ATM operations, and internet banking usage.
- Coordinate with branch officers and cash department for smooth operational workflow.
- Participate in customer outreach programs, village banking camps, and awareness drives in rural areas.
- Support branch audits, reconciliation activities, and operational reporting.
Education
Bachelor of Science -
Bundelkhand University
Orai (jalaun) , Uttar Pradesh India 04.2001 -
Skills
Branch Operations Management
Retail Banking Support
Retail & MSME Lending
Loan Processing & Documentation
Loan origination
Credit risk assessment
Credit analysis
NPA recovery management
SARFAESI & Recovery Coordination
Regulatory compliance
Banking compliance
Financial analysis
CASA growth
Core Banking Operations
MIS reporting
Excel reporting
Corporate relationship management
Customer Relationship Management
Team leadership
Timeline
Scale-II Branch Manager
Punjab National Bank (PNB)
04.2019 - 11.2024
Scale I Deputy Manager
PNB
04.2016 - 03.2019
Clerk & Head Cashier
PNB
06.2013 - 03.2016
Clerk
Purvanchal Grameen Bank (Sponsored By SBI)
12.2011 - 05.2013
Bachelor of Science -
Bundelkhand University
04.2001 -