Dhananjay Kumar Singh

● Leading a team of 15 employees, including trade RMs, operations RMs, and working capital RMs, focusing on branch management and B2B sales portfolio enhancement.

● Driving initiatives to expand the client base and increase business volumes.

● Managing the credit portfolio, assessing credit risk, and ensuring sound lending practices.

● Ensuring strict adherence to regulatory compliance standards and internal policies.

● Developing and implementing strategies to acquire new customers and expanding the customer base.

● Identifying cross-selling opportunities and promoting additional financial products to existing customers.

● Assisting customers in financial planning, offering solutions that align with their goals and needs.

● Participating in various assigned and ongoing business operations to ensure the achievement of business goals and objectives.

● Identifying opportunities for process improvement through comprehensive root cause testing of all compliance and business metrics.

● Providing strategic direction and leadership for the region, aligning with organizational goals in Cluster Management, Retail Branch Banking.

● Effectively managed a team of 6 employees, ensuring productivity and collaboration, focusing on majority sourcing related to B2B products.

● Evaluated the financials of customers to assess their repayment capability and analyzed credit risk on overall parameters while lending to MSME and retail customers.

● Evaluated the Fixed Obligation to Income Ratio (FOIR) of customers to mitigate overall credit risk in lending.

● Adhered to Know Your Customer (KYC) and Anti-Money Laundering (AML) guidelines of the bank.

● Led and managed a team of more than 2 employees, ensured effective collaboration and performance.

● Ensured service excellence to enhance portfolio, control retention, and promoted cross-selling opportunities.

● Conducted risk profiling of customers concerning both liability and asset aspects.

● Current account sourcing of corporates

● Value building

● Trade income generation