Harinder Singh

Ensure compliance with Banking Regulation Act. 1949(AACS), Punjab Co-operative Societies Act 1961, PML Act, 2002 and other regulations applicable to the Central Co-operative Banks

Managing/mitigating risk through rigorous internal controls and audits and inspections.

Facilitate annual independent statutory audits, coordinating with external auditors and managing the audit process to ensure timely completion and adherence to regulatory standards.

Manage the grievances redressal Function, resolving customer issues and complaints efficiently and enhancing customer satisfaction.

Spearhead corporate governance efforts, including the management of the Board of Directors (BOD) Cell, ensuring adherence to best practices and regulatory requirements.

Develop and implement strategic policies and plans that align with organizational goals, resulting in Business growth, operational efficiency, improved compliance and quality ratings.

Lead credit/liquidity/Interest rate risk management initiatives, overseeing the evaluation and approval of credit applications.

Leading a team of 11 Branch Heads in respect of Deposits and credit business, recovery of loans and providing day to day solutions to the team.

Manage HR and Administration functions including recruitment, performance management, employee relations, training and development.

Implement HR strategies that enhance employee engagement and retention, and ensure compliance with employment laws and organizational policies.

Member of State level Product Innovation and Development policies formulation group.

Headed and supervised Overall functions and achieved remarkable Business growth in Deposits and Credit of the Bank with 30 branches in Fazilka District of Punjab

• Provided strong leadership to enhance team productivity and morale.
• Led cross-functional teams to achieve project milestones and deliver high-quality results.
• Achieved operational excellence by streamlining processes and implementing best practices.

Headed Audit/Inspection/Compliance, Principal Officer (KYC/AML), Grievances Redressal, HR, Loans/Credit Cell

• Led cross-functional teams to achieve project milestones and deliver high-quality results.
• Improved team performance by providing comprehensive training and fostering a collaborative work environment.
• Implemented and developed operational standards, policies and procedures.

Nodal Officer 30 branches, Principal Officer (KYC/AML), Credit Appraisal, Recovery Management Core SPOC Banking Solutions (CBS) Transformation of 67 Branches and Head Office

• Provided strong leadership to enhance team productivity and morale.
• Improved migration project efficiency by streamlining data collection and analysis processes.
• Reduced data discrepancies for accurate reporting through diligent data validation and cleansing tasks.
• Conducted thorough post-migration assessments, identifying areas for improvement and implementing necessary changes.
• Evaluated the effectiveness of existing migration strategies, refining approaches to improve overall success rates.
• Maintained high-quality standards through rigorous testing procedures before moving changes into production environments.
• Developed comprehensive migration plans, ensuring seamless transitions to new systems.
• Coordinated closely with other IT departments involved in system migrations such as infrastructure or application teams.
• Supported system integration efforts by aligning data structures between legacy systems and target platforms.
• Troubleshot complex technical issues during migrations, applying problem-solving skills to resolve challenges quickly and efficiently.
• Enhanced stakeholder communication by providing regular status updates and progress reports throughout migration projects.
• Contributed to the development of internal tools for automating repetitive tasks in the migration process, boosting team productivity levels significantly.
• Optimized resource allocation by effectively prioritizing tasks based on project requirements and deadlines.
• Spearheaded change management efforts for seamless adoption of new systems or processes among employees.

• Accomplished multiple tasks within established timeframes.
• Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
• Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
• Cross-trained existing employees to maximize team agility and performance.
• Oversaw payroll functions, ensuring accuracy while maintaining strict confidentiality standards for sensitive employee information.
• Implemented performance management systems, providing constructive feedback and coaching opportunities for employees.
• Ensured legal compliance with labor laws by conducting regular audits and updating policies as necessary.
• Led decision-making and implementation of HR policies, procedures, programs and functions.
• Developed comprehensive training programs, empowering employees to reach their full potential within the organization.
• Oversaw legal compliance with federal, state and local laws and regulations in addition to compliance with company policies and procedures.

• Managed daily branch operations for optimal efficiency and performance, resulting in improved customer experiences.
• Led a team of banking professionals, providing regular coaching and development opportunities for career growth.
• Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
• Fostered strong relationships with clients by addressing their needs promptly and providing personalized financial solutions.
• Improved cash management procedures, ensuring accurate cash handling practices across all transactions within the branch.
• Examined customer loan applications for loan approvals and denials.
• Optimized staff productivity through effective scheduling, task delegation, and performance monitoring.
• Boosted branch revenue through targeted marketing campaigns aimed at attracting new clients and retaining existing ones.

• Prepared monthly journal entries and reconciliations.
• Reconciled accounts and created documents for monthly closure procedures.
• Reviewed documents and accounts for discrepancies and resolved variances.
• Reconciled balance sheets and streamlined best practices for balance sheet processes.
• Updated general ledger with latest entries.
• Completed year-end closing processes with controllers and external auditors.
• Analyzed financial statement discrepancies, identifying issues, and recommending corrective actions to prevent future occurrences.
• Reduced errors in financial statements through stringent review procedures and regular reconciliation of accounts.
• Improved cash flow management by implementing stricter credit policies.
• Managed quarterly and annual tax filings for the company, ensuring timely submissions and compliance with regulations.
• Strengthened internal controls by reviewing processes, identifying gaps, and proposing improvements to safeguard against fraud or mismanagement of funds.
• Streamlined financial reporting with new accounting software and automated tasks.
• Conducted monthly reconciliations for all bank accounts to ensure financial integrity.
• Improved financial reporting accuracy by implementing advanced Excel functions for data analysis.