Kumar K Verma

Currently contributing as the Head of Resources and Government Relationship Cell for the state of U.P.

Primary K.R.A. Involve

• Canvassing CASA Business
• Close liaison with government officials.
• Focus on new and existing schemes of government, and establishing or maintaining banking relationships.
• Understanding the pain points of the schemes and providing tailored fintech solutions for effective monitoring and real-time MIS, and leveraging the solution of garnishing CASA business.
• Contributed innovative ideas and solutions to enhance team performance and outcomes.
• Curating tailored salary package solutions for government institutions and their part-time and full-time employees.
• Spearhead the scheme if selected as the nodal bank.
• Canvassing, handling, and maintaining SNA accounts, and providing the SNA monitoring dashboard.
• Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
• Collaborated closely with team members to achieve project objectives and meet deadlines.
• Worked with cross-functional teams to achieve goals.
• Approached customers and engaged in conversation through use of effective interpersonal and people skills.
• Utilized advanced technical skills and expertise to troubleshoot complex problems and implement solutions.
• Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.

• Managed daily branch operations and ensured compliance with banking regulations.
• Supervised staff performance and conducted regular training sessions on customer service.
• Oversaw scheduling and resource allocation to optimize branch efficiency.
• Analyzed financial reports to identify trends and inform decision-making processes.
• Coordinated marketing efforts to promote banking products and services within the community.
• Established relationships with local businesses to foster partnerships and growth opportunities.
• Resolved customer complaints promptly to maintain a positive banking experience.
• Conducted regular performance reviews for all employees in the branch.
• Monitored financial performance of the branch on a monthly basis.
• Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
• Developed strategies to increase customer satisfaction and loyalty.
• Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
• Coordinated promotional campaigns for new products or services in order to boost sales revenue.
• Maintained consistent growth in accounts and receivables by obtaining and retaining loan borrowers.
• Participated in community events to promote brand awareness.
• Reviewed loan applications to ensure accuracy and compliance with regulations.
• Analyzed data to identify trends related to products, services, customers and markets served by the branch.
• Maintained up-to-date knowledge of industry trends, competitive landscape and regulatory environment.

• Evaluated loan applications to determine qualifications and compliance.
• Underwriting the Loan Proposal (Retail, Agri, & MSME)
• Conducted credit checks and analyzed financial statements thoroughly.
• Reviewed documentation for accuracy before finalizing loan agreements.
• Reviewed loan agreements to confirm completeness and accuracy.
• Recommended loan approvals and denials based on customer loan application reviews.
• Approved or denied loan applications based on established guidelines.
• Approved loan within specified limits or referred to appropriate approval level.
• Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
• Managed pipeline for originated loans through closing and complete required management reports.
• Analysis of the Legal Scrutiny Report, Engineer Valuation on Collateral Offered.
• Maintaining the Stock Statement Register, Audit Register, and Insurance Register to ensure the health of available securities.
• Preparing CMA data and analysis of P&L and ABS of the company for ascertaining the cash flow and other indicators within the bank guidelines.
• Conducted risk analysis to identify potential losses associated with certain loans.
• Identified opportunities for cross-selling additional products and services.

Upon completion of probation in June 2015, I spearheaded various branches at Deoria, Raebareilly, Bareilly, and Chengalpattu, ranging from a business mix of 40 crores to 350 crores.