Ashwin Salins
Pune
Summary
Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level [Job Title] position. Ready to help team achieve company goals.
Overview
17
17
years of professional experience
Work History
Branch Manager
SVC Co- Operative Bank Ltd
09.2015 - Current
- Spearheading a team of individuals viz
- Work direction and performance management development
- Offering improved transparency of the portfolio at a granular level to steer and evaluate expected loss, risk capital
- Extending support to the team in business development through Financial/ Credit Analysis of prospective clients
- Fostering and strengthening relationships with distribution channels and determining opportunities for a balanced growth of portfolio
- Collating all required information and complete client financial needs
- Evaluating the prospective loan transactions and credit worthiness of borrowers as well as gauging financial/credit data and performing all due diligence on new customer’s credit request
- Conducting reviews and negotiating loan pertaining the ROI’s pertaining to several types of loan and thereafter process the proposals for the respective customer
- Ensuring quality control and risk management of assigned credit relationships
- Administering and recovering sub-standard loans on an on- going basis, administering client loan portfolio’s to ensure that the loan quality is adhered to parameters
- Monitoring and managing the on-boarding of new client relationships and the on-going servicing of those relationships
- Steering efforts on compliance strategies and issues with the management team to encourage the development of a compliance culture
- Managing assigned projects along with the team and making recommendations to enhance branch operations and development
- Ensuring requisite due diligence (i.e
- Accuracy of information) to support the accuracy of all client activities, i.e Know Your Customer, etc
- Responsible for alerting staff of any suspected fraud, kitting, theft or illegal activity
- Handling the optimum maintenance of work follow and handling the schedule of the Teller’s
- Leading the promotion of bank products and further establish business relationships.
Deputy Branch Manager
HDFC Bank
06.2014 - 09.2015
- Followed-up with various activities and engaged in customer services activities
- Conducted evaluations on new accounts and verifying for appropriate documentation
- Carried out risk management on several activities with the assistance of logs, reports and associated operational activities
- Oversaw work and ensured timely delivery of all projects
- Attended regular progress meetings with Senior Managers and Directors
- Fostered a positive culture to ensure seamless work
- Determined and resolved risks, issues and dependencies
- Facilitated operational cover for absent Senior Managers, whenever required
- Resolved all issues faced by regulator
- Conducted audits on branch and ensured readiness of branch
- Imparted coaching to meet branch and individual sales goals
- Instrumental in assisting the branch Manager in achieving financial and non-financial goals of the Branch
- Administered Branch quality levels and coaching Team to achieve appropriate levels
- Ensured compliance, audit and security procedures are adhered to at Branch location.
Assistant Manager
CITI Bank N.A
04.2007 - 06.2014
- Led the Portfolio management of HNI with an effort to cross-sell of financial products to the same
- Responsible for providing banking and financial services to the customers by comprehending their investment needs, risk appetite and other relevant factors
- Acted as a Single Point of Contact for HNI clients of the bank for all service concerns or transactions
- Determined revenue streams to build consumer preference
- Led the tracking of customer Relationship management
- Conducted audits on branch and ensured readiness of branch
- Imparted training and monitored the team to manage customer expectation & ensure smooth day-to-day operations of branch within compliance framework
- Performed regular review of processes and identify changes that assisted in risk management, control cost & improved team efficiency
- Monitored and reported Anti Money Laundering activities
- Ensured minimal Ops Errors and led quality initiatives on customer service
- Identifying customer value for the bank on the basis of transactions and tapping them for sales lead
- Ensured all client instruction are processed seamlessly within specified TAT and without any discrepancies
- Administered high transaction, movement of large amount and reported it to concerned authority
- Handled the fortnightly reporting of suspicious, high cash, suspense accounts, TOD’s
- Steered efforts toward lobby management, resolved complaints within TAT’s and thereby ensured quality service
- Effectively tracked all pending legal cases and ensured timely closure
- Ensure seamless execution of banking processes including daily transaction reconciliation, sale of bank products, customer service, consistent input of recommendations for procedural enhancement and personnel management.
Education
Certified Scrum Master -
01.2022
Post-Graduation Diploma in Banking & Finance -
Symbiosis
01.2015
Bachelor of Commerce (Hons) -
Pune University
01.2006
Skills
- Strategic Planning & Legal Operations
- Stakeholder & Change Management
- Digitalisation Initiatives
- Contract Lifecycle Management
- Litigation & Compliance Management
- Risk Assessment & its Mitigation
- Dispute Resolution
- Team Building & Leadership
Profile Snapshot
Dynamic and resourceful Banking Professional with more than 16 years of experience in Sales, Branch Operations and Management across Banking and Financial Services verticals. Proven expertise in prudent asset allocation techniques gained through investment advisory and financial planning services to overseas/NRI as well as HNI clients. Broad understanding of both domestic and world market and economics, and demonstrates the comfort in selling various financial investment ideas. Ability to provide investment advice on Mutual Funds, Stocks, Portfolio Management, Mortgage, Retail & Corporate Loans, Lease Rental Discounting, Life, General &Health Insurance. Expertise in providing support and participation in AML/regulatory-related projects, system and process changes. Skilled in researching credit histories of clients to decide feasibility on lending loans, mortgage programs and a comprehensive knowledge of conventional and government loan programs. Adept in sales & marketing/business development with exposure in tapping business prospects, analyzing their requirements, rendering guidance to the clients and negotiating (commercially) for generating business. In-depth knowledge of banking products and banking industry practices, process and procedures as well as regulations related to quality control.
Websites
Key Highlight
- Awarded as the Vice Chairman’s award for the best Branch Manager for the FY 21-22
- Received shooting stars for exemplary performance.
- Instrumental in the cost saving of Rs. 60 Lakh P.A for West upcountry region with respect to reengineering cash management delivery facility for customer, driving e-statement registration for customer at branches and vendor management services such as courier, printing & stationary during year the 2012
- Wrote to reengineering team towards enhancing banking process such as ECS registration, redemption of reward point through CBOL
- Appreciations received for client excellence
Area Of Expertise
- Branch Management and Operations
- Revenue Planning
- Credit Appraisal
- Investments & Assets
- Wealth Management
- Business Development
- Sales & Marketing
- Key Account Management
- Portfolio Management
- People Management
- Strategic Planning
- Investment Advisory Services
- Customer Relationship Management
- Cross-Selling
- Target Achievement
- Control Framework
- AML Monitoring
- Audit Review
Timeline
Branch Manager
SVC Co- Operative Bank Ltd
09.2015 - Current
Deputy Branch Manager
HDFC Bank
06.2014 - 09.2015
Assistant Manager
CITI Bank N.A
04.2007 - 06.2014
Certified Scrum Master -
Post-Graduation Diploma in Banking & Finance -
Symbiosis
Bachelor of Commerce (Hons) -
Pune University
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