Rohini Kumar Basava

Leading the team for card issuing and POS acquiring.
Monitor the disputes and chargeback department.

• Collaborate with stakeholders to craft product's vision and concept development.
• Take lead of scrum teams, defining product vision, roadmap, and growth opportunities, and communicating with stakeholders throughout project.
• Work with internal and external contacts to analyze needs and align product roadmap to strategic goals.
• Work closely with product management/business teams to create and maintain product backlog according to business value or ROI.
• Keep up with agile/scrum best practices and trends.
• Increased customer satisfaction by resolving issues.
• Managed team to increase debit card sales by 50% YOY FY 2022-23

Responsible for HR related issues for a group of 269 employees in a region.

• Facilitated implementation of new training, development, recruiting, and other related initiatives.
• Prepared reports of data results, presenting and explaining findings to senior leadership.
• Identifies and recommends reasonable short- and long-term goals, milestones, and benchmarks for key performance metrics of employees.
  Based on metrics and analysis, makes recommendations for policies and activities to improve organizational culture.
• Conducted and assist with conducting classification audits to ensure that jobs are properly classified as exempt or nonexempt.
• Ensured compliance with data privacy regulations and best practices.
• Guided and assisted with performance, benefit, and compensation review and evaluation processes.
• Worked and contributed as manager analyst in end to end software development life cycle of new applications HRMS and HR-Dashboard created by in house developers.
• Successfully supported in ETL processing staff data to internal data warehouse.

Revenue optimization & Expense control

• Responsible for positive net income after expenses for entire unit.
• Revenue optimization by identifying profitable/high margin products and to market it.
• Analyzing unit portfolio on daily basis to eliminate Negative ROI products, Non performing Assets.
• Designing strategies to administration and sales team for effective distribution network and delightful customer service.
• Driving sales and marketing team for revenue generation by selling value added products like Housing loans, Gold loans, Life insurance, Mutual funds and MSME.
• Deriving insights from fixed costs vs variable costs and to reduce it.
• Focusing on error free and responsive customer service to increase Customer Lifetime Value.
  

* Four consecutive years(2015, 2016, 2017, 2018) awarded with most prestigious MDRT given by International Insurance and Financial services.

* Successfully generated 25% net profit YOY from 2014 - 2018.

* 112% growth in Asset backed loans and MSME YOY from 2014-2018.

* Reduced high cost deposits to low cost deposits and increased the profitability to 42% and awarded for highest deposit growth FY 2017.

Crop Loan Waiver - Andhra Pradesh government / National informatics center.

A software developed by National Informatics Centre for Andhra Pradesh government to implement Crop Loan Waiver Scheme.

• Supported with onboarding Crop Loan Waiver scheme software on behalf of bank.
• Identified software issues and brought to stakeholders observation.
• Organized efficient meetings with management and came up with strategy to fix bugs and resolved issues.
• Successfully supported 64 branches to upload Debt waiver details into software. Worked under strict deadlines with efficient planning.
• Negotiated between management and development teams when there are conflicts to fix bugs and resolved issues.
• Received appreciation from top management (Regional Manager) for smooth onboarding of software to 64 branches and successful uploading of Debt waiver beneficiary farmers.

• Review active loan files each day to determine if any documents are missing or what can be done to help process along.
• Identify and recommend products that meets customer’s needs and organization’s lending guidelines.
• Utilize professional judgement to determine which potential borrowers represent good risk opportunities for organization.
• Maintain active knowledge base of all of organization’s loan products and understanding of qualifications required of each applicant.
• Meet with customers to determine their needs and recommend right loan products to help meet their goals.
• Analyzing balance sheets and income certificates of customers to arrive and processing of loan eligibility.
• Awarded best Loan performance officer for increase of 150 crores in single month in 2012.