Jaspreet Singh Rekhi
New Delhi
Summary
Dynamic and results-oriented banking professional with 12 years of extensive experience in Branch Management,Credit Risk Management, and Processing Center Operations. Demonstrated expertise in Regulatory Compliance, Loan Portfolio Optimization, Business Continuity, and Driving Branch Profitability. Proven ability to develop and execute strategic plans while fostering a culture of excellence and collaboration among staff. Skilled in cultivating strong client relationships, resolving issues promptly, and delivering personalized banking solutions. Proficient in analyzing market trends, implementing efficient processes, and enhancing operational effectiveness. Recognized for insightful management, adept decision-making, and significant contributions to branch growth and quality assurance. Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
12
12
years of professional experience
Work History
Senior Manager
UCO Bank
New Delhi
09.2012 - Current
- Developed and executed branch-specific strategic plans aligned with the overall objectives of the bank.
- Managed the origination, underwriting, and servicing of retail, SME, and agriculture loan portfolios, aligning with risk and lending policies.
- Oversaw all aspects of branch financial performance, including revenue generation, expense management, and profitability.
- Provided leadership and direction to branch staff, fostering a culture of accountability, collaboration, and continuous improvement.
- Cultivated and maintained strong relationships with high-value clients, and addressed their financial needs with personalized banking solutions.
- Engaged with the community through sponsorships and outreach, strengthening the bank's reputation and visibility.
- Spearheaded staff development initiatives, including training programs and succession plans, nurturing talent within the branch.
- Oversaw the seamless integration of new technologies into branch operations, enhancing customer experiences, and improving efficiency.
- Ensured compliance with regulatory guidelines and internal policies related to banking operations, lending practices, and risk management.
- Prioritized environmental and social responsibility by promoting paperless banking options.
- Fostered a diverse and inclusive workplace culture, ensuring that employees from all backgrounds felt valued and respected.
- Sought feedback from staff and customers to drive continuous improvement in branch operations.
- Established and upheld business continuity plans for seamless branch operations during disruptions.
- Resolved escalated customer issues promptly and effectively, ensuring high levels of customer retention and loyalty.
- Implemented efficient workflow processes and systems to streamline branch operations and improve productivity.
- Conducted regular audits and performance evaluations to assess operational effectiveness, and identify areas for improvement.
- Analyzed market trends and competitor activities to identify opportunities for growth and expansion.
- I stayed abreast of industry trends, market dynamics, and emerging opportunities in the retail, SME, corporate, and agriculture sectors.
- Utilized credit-scoring models and risk-assessment tools to quantify credit risk and make data-driven lending decisions.
- Conducted regular stress testing and scenario analysis to assess the resilience of the credit portfolio under various economic conditions.
- Monitored risk metrics, like credit quality indicators, delinquency rates, and portfolio concentrations, to anticipate emerging risks and opportunities.
- Developed and maintained comprehensive credit policies and procedures, incorporating industry best practices, and regulatory requirements.
- Captured new business opportunities by identifying and cultivating relationships with potential clients and strategic partners.
- Monitored the performance of existing loan portfolios, implementing strategies to mitigate risks, and maximize returns.
- Implemented effective recovery strategies for delinquent accounts, minimizing losses, and preserving asset quality.
- Fostered strong and lasting customer relationships through proactive communication and personalized service.
- Managed alternative delivery channels, such as online banking, mobile banking, and ATMs, ensuring seamless customer experiences.
- Oversaw allied business functions such as insurance and investment products to diversify revenue streams and meet customer needs.
- Coordinated with internal stakeholders to address regulatory inquiries and ensure compliance.
- Advocated for sound credit risk management, and contributed to strategic decisions in cross-functional meetings and committees.
- Promoted continuous learning through training sessions and knowledge-sharing initiatives to boost staff expertise and capabilities.
- Undertook various other responsibilities inherent in a branch environment where specialized operational segments are not present, ensuring comprehensive management and optimization of branch operations.
Education
CAIIB -
Indian Institute of Banking & Finance
Mumbai06-2014
JAIIB -
Indian Institute of Banking & Finance
Mumbai01.2013
MBA - Finance & Marketing
Amity Businesss School
Noida04-2012
BBA - Finance And Marketing
Amity School Of Business
Noida04-2010
Skills
- Strategic leadership
- Business planning
- Revenue Generation
- Organizational growth
- Customer Relationship Management
- Regulatory Compliance
- Team Development
- Credit decision-making
- Financial analysis
- Credit Analysis and Monitoring
- Risk Assessment
- Loan portfolio management
- Portfolio diversification
- Credit underwriting
- Industry Insights & Market Trends
- Balance Sheet Analysis
- Credit History Assessment
- Retail loans
- SME and Corporate Loans
- Agriculture Loans
- Loan Recovery Strategies
- Sanctioning Processes
- Appraisal Processes
- Documentation management
- Loan disbursements
- Compliance assessments
Languages
- English, full professional proficiency
- Hindi, bilingual proficiency
- Punjabi, native proficiency
Timeline
Senior Manager
UCO Bank
09.2012 - Current
CAIIB -
Indian Institute of Banking & Finance
JAIIB -
Indian Institute of Banking & Finance
MBA - Finance & Marketing
Amity Businesss School
BBA - Finance And Marketing
Amity School Of Business
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