Kailash Ray
Microfinance Professional Banker
Kota
Summary
Result driven leader with 13+ years of experience and a high level of business acumen. Highly productive with a record of achieving all set targets. Proactive in establishing a cooperative business climate across multiple departments and levels. Seeking to develop constructive client relationships and achieve organizational goals.
Overview
14
14
years of professional experience
Work History
AVP
- YES Bank Ltd
02.2016 - Current
- Building coordination with Business correspondence (BC) team, i.e
- Unit Manager, Area Manager, State Head & COO to meet the monthly business targets as stipulated by the Bank
- Monitoring/ guiding the branches of BC so as to comply the statutory and regulatory RBI norms and strive to maintain quality portfolio in long run
- Support in identifying the potential area for new business & involve in establishment process of new branches of BC
- Timely follow-up & business review of BC
- Addressing various issues, grievances, complaints raised by customers & staff members and resolving them at the earliest possible time
- Business acquisition: Actively supervising and overall monitoring the acquisition of clientele of rural lending through the team and BC
- Focusing on trust area of Agriculture loans ( Small and Marginal Farmers),low income segment customers (PSL lending), Micro, Small & Medium enterprise loans (MSME) to deliver credit, deposits, insurance etc as per policy and process flow
- Adept in developing and ensuring customer satisfaction by maintaining excellent Turnaround Time (TAT) for delivery & service quality norms
- Managing a team of sales and support executives in Rajasthan.
Assistant Manager
HDFC Bank Ltd
11.2011 - 02.2016
- Roll-out of Sustainable Livelihood Banking program in branches monitor the growth of the portfolio
- Orient to staff members about HDFC Bank values, culture, Sustainable Livelihood Banking program process
- Responsible for team’s sales/business targets for liability & Cross sell
- Ensuring quality of account sourced by the team
- Ensuring TAT depletion of accounts is kept within the acceptable limits
- Resolve customer related complaints regarding sales and service
- Maintaining MIS, Productivity data etc of team & reporting to Central Team when required
- Attending to Customer Complaints & resolving them by co-ordination between the Cross Functions of branch
- Ensuring COEX/ Team adhere to Bank policy and standards
- Supervising, Motivating and monitoring Coex performance
- Cross sale of banking product, taking care audit exception and compliance. KYC process and Account opening
- Delinquency management and resolve staff conflicts
- Planning and review of units on regular basis
- Conduct client assessments by visiting them in the field
- Monitor loan centre meetings
- Coordination with credit department and WBO for file approval and disbursement.
Branch Manager
Sahayata Microfinance PVT LTD
12.2009 - 10.2011
- Areas:
- To prepare monthly Credit plan as well as Collection plan for Executives as per annual business plan and delegating the target
- Critically scrutinizing the Credit proposals appraised by Executive from all probable risk angles and credentials verification
- Developing & maintaining market linkages for the customers
- Monitoring the Collection/Recovery work in the unit area
- (100% OTRR achievement)
- Post disbursement follows up to ensure proper utilization of loan
- Monitoring the backend operation with respect to collection & credit
- Ensuring that the products are performing within the established & approved norms
- Responsible for maintaining healthy Credit Portfolio in the area
- To provide necessary Business development services to the customers
- Responsible for maintaining relationship and achieving customer satisfaction
- Other critical responsibilities includes Product Development, Pilot Testing, Product Promotions, Risk Management,
- Delinquency Management, Establishing Institutional Collaboration, Team Management, Imparting training to newly inducted team members, System Coordination, Reporting & Compliances etc from time to time or as and when necessary
- Statutory payments if any
- Portfolio management & Customer relation management.
Education
ACADEMIA -
University college of Engineering, Rajasthan Technical University
B. Sc. - undefined
University of Kota
Skills
MS Office (Word, PowerPoint and Excel)INTERNSHIP PROJECTOrganisation : Aditya Birla Group, Vikram CementTopic : financial analysis of company with their competitors’ in market To know aboutWhat are the major key areas where company can improve their cost and enhance its productivityAcademic ProjectTopic : Six Sigma Impact on Business performance
Relationship building and retention
Policy and procedure development
Targeted marketing
Additional Information
- Achievements , Awarded by Eagle Eye Award for prevent bank for potential risk by CRCO YES Bank LTD. Awarded for Best CBL Award Business growth and NPA Management by Group Head. Recognized for CSR efforts and activity for organization by Executive Director of HDFC Bank Ltd.
Timeline
AVP
- YES Bank Ltd
02.2016 - Current
Assistant Manager
HDFC Bank Ltd
11.2011 - 02.2016
Branch Manager
Sahayata Microfinance PVT LTD
12.2009 - 10.2011
ACADEMIA -
University college of Engineering, Rajasthan Technical University
B. Sc. - undefined
University of Kota