Komal Ravindra Kadam

• Driving RM activation and productivity tracking through centralized MIS and dashboards.
• Leading process automation initiatives using Advanced Excel, VBA Macros, Outlook Automation, and PowerPoint automation to improve productivity.
• Designing and publishing business performance dashboards for senior management.
• Managing CTG (Family Banking), RM activation, productivity, and business performance reporting across Pan India.
• Creating automated email solutions and standardized management reports, reducing manual effort and improving turnaround time.
• Coordinating with multiple stakeholders for process enhancements and business projects.
• Supporting UAT, process documentation, SOP reviews, and governance activities.
• Delivering insights and presentations for leadership reviews using PowerPoint.

Achievements:

• Received the Silver Star Award for successfully driving the Infiniti & Imperia Programme Upgrade Initiative, contributing to increased programme adoption and customer upgrades.
• Designed and implemented the business logic for Family Banking Surrogate Match, enabling Relationship Managers to identify and action family banking grouping opportunities more effectively.
• Achieved the highest-ever Month-to-Date (MTD) Family Banking Grouping target by closely collaborating with RPMs, RMs, Cluster Heads (CHs), and Zonal Heads (ZHs), driving consistent follow-ups and execution across regions.
• Successfully led cross-functional coordination with business and sales teams to improve Family Banking grouping performance and enhance customer relationship opportunities.

• End to End execution of Central Deracing Process to ensure right program offering.
• Central Deracing - Base Identification
• Identification of Customers for deracing, communication for customer review to RMs
• Customer communication for ineligibility through Email, Letters and SMS to the HNW Customers
• Tacking of monthly communication to identified base.
• Upload of Data on Feedback Portal (With Hierarchy master)
• Base Preparation for E-mails and Letters to identified Base.
• Sample checks on emails being sent to customers.
• Review Feedback provided by branches.
• Intimation to RMs on status of deracing
• Preparation of Status and Movement of Groups
• Deracing and Downgrading groups through CPU
• To identify gaps in existing process & evaluate feedbacks from channel & hold discussion with stakeholders, drafting of process note, sign-off from relevant stakeholders.
• Tracking of Deracing done case to case basis as per request from customer
• Asset / Credit Card Delinquency & NPA Recovery:
• End to End execution of Delinquency Process to ensure right program offering
• Credit Card & Asset Delinquency - Base Identification
• Upload of Data on Feedback Portal for RM & Drive the campaigns for the channels.
• Base Preparation for E-mails and Letters to identified Base.
• Sample checks on emails being sent to customers.
• Base preparation for Deracing of Customers
• Deracing deceased cases
• Upload of Data on Feedback Portal
• NPA Recovery
• NPA Recovery Base Preparation
• Intimation to Channel on Deracing and Debit
• Final Debit for HNW delinquent customers
• Process Enhancement
• Enhancements in existing process related to processes, data preparation automation, data management.
• Initiatives to build interventions in customer lifecycle, transactions resulting in either better customer experience or RM enablement.
• Reviewing SOPs monthly basis for related process
• Process & Log - Repository Management
• To develop Repository for processes & Log for customer raced / deraced to be maintained for HNW Customers
• Process Notes are reviewed and updated at regular intervals with latest modification.
• Process Flow Chart with detailed journey is designed for all processes.
• Publish report on EBT and response & conversion of trigger.
• Review observations highlighted by Internal Audit, draft responses & implement the process change.

Achievements:

• Migration of Deracing Process to CRM-Next
• Delinquency Tracking through CRM-Next
• System Utility developed for CPU for better efficiency.
• Introduced Net banking, ATM, Push notification services for delinquent customers.
• Process streamlined for HNW customers under UCIC parameters.
• Prepared lift off for new Joinee.

• Thorough Knowledge of KYC for opening Current account and Term deposit account for retail customers, Image base customer instruction, staff Salary accounts.
• Ability to interpret the RBI Circular and follow the same in the process of Verification of KYC.
• Able to identify Forged document, signature at the time of verification.
• Allocate work to Team on daily basis and ensure to get it done with TAT.
• Coordinate with Operations Team/Branches for any queries related to processing of forms.
• Coordinate with Compliance/Product Team for approval and deviation for exception cases.
• Assisting Sales Team to carry out processing of rejection to avoid delay in processing.
• Handling branch queries and issues regarding Document/AOF’s.
• Providing Training to Relationship manager about how to fill Account opening form with list of documents which helps them to reduce FTNR.
• Checking FATCA (Foreign Account Tax Compliance Act)
• Grade : Deputy Manager
• Business Unit (PA) : DVU – Document verification unit (Retail Liability)

Achievements:

• Received sliver star awards for current account verification process.
• UAT done for signzy process.
• Streamlined the current account process.

• Worked on International fraud refund process.
• Follow-up with customers regarding debit card fraud transaction (ATM, Chip and Pin, Online fraud).
• Process refunds on the basis of KYC norm.