PADMANABHAN .K

• Working with Finacle Core Banking Solution and CRM Platform.
• Achievement of incremental number and value targets for Liabilities (Current Account, Savings Account, Fixed Deposit); Assets (Home Loan , Auto loan & other assets) and Fee Products (Mutal Funds, Life Insurance, General Insurance, Gold loan & other fee products)

• Led branch operations to ensure compliance with banking regulations and policies.
• Managed customer relationships to enhance service delivery and satisfaction.
• Implemented strategies to improve operational efficiency within the branch.

• Working with FLEXCUBE SOFTWARE and CRM Platform.
• Led branch operations to ensure compliance with banking regulations and policies.
• Managed customer relationships to enhance service delivery and satisfaction.
• Implemented strategies to improve operational efficiency within the branch.

• Led branch operations to ensure compliance with banking regulations and policies.
• Managed customer relationships to enhance service delivery and satisfaction.
• Implemented strategies to improve operational efficiency within the branch.

• Led branch operations to ensure compliance with banking regulations and policies.
• Managed customer relationships to enhance service delivery and satisfaction.
• Implemented strategies to improve operational efficiency within the branch.

• Led team to improve fabric sourcing and inventory management processes.
• Managed budget allocations for fabric purchases and operational expenses.
• Maintained up-to-date records of employee attendance, payroll information, vacation requests.

Execute, Service and monitor overall administration and efficient daily operations of a full-service branch office; including operations, lending, product sales, customer service, security and safety in accordance with the Bank's objectives

• Business Achievement and Development.
• Achievement of incremental number and value targets for Liabilities (Current Account, Savings Account, Fixed Deposit); Assets (Home Loan , Auto loan & other assets) and Fee Products (Mutual Funds, Life Insurance, General Insurance, Gold loan & other fee products)
• Key Customer Relationship Management & supervision of all High-Net-Worth customer programs.
• Develop and maintain business relationship with our clients/ targets and develop new Clients.
• Ensure timely and accurate completion of periodic reviews (CDD/EDD).
• Strong KYC skills: Experience in working with CDD & EDD KYC records/ AML requirements
• Conduct initial AML/KYC due diligence using internal and external tools.
• Analysis and solving of increasingly complex problems
• Ensure documentation meets regulatory and internal policy requirements.
• Conduct quality checks on customers’ KYC records to ensure accuracy and compliance.
• Signing off on new client adoptions and periodic reviews.
• Manage New Client Adoption or Periodic Review stream, to ensure that all requests are approved in accordance with regulatory requirements and the bank’s internal policies.
• Perform due diligence of new and existing clients covering a wide range of different client types including; Listed and Regulated, small/medium/ large private and public companies as well as more complex structures such as; SPVs (Special Purpose Vehicles are partnerships, limited liability partnerships (LLP), limited liability company (LLC), joint ventures,Trust,One Person Company (OPC),Association Co-operatives, Governments, etc.
• Look for opportunities in our existing/ potential accounts and engage with the client leadership team on a regular basis to create larger share of mind for driving business.
• Working with all business and support functions within the banking including Legal, Compliance and Audit.
• Knowledge of banking processes relating to Operations, Consumer Banking, Credit and Forex.
• To Meet and service trade finance related requirements of clients by liaising with Service/Operations/Product team.
• Focused & quality client engagement in the form of client meetings with New To Bank /Existing customer base and to scope for business development opportunities within the portfolio
• Contribute to thought leadership – learn and innovate continuously to enrich the services and offerings of Operations.
• Experience in establishing and implementing Digital transformation and Innovation solutions and Automation with expected business results.
• Improving efficiency and delivering a seamless customer experience.
• Managing delivery with best practices of Compliance Excellence with related Audits.
• Ensure strong internal controls and full compliance with regulatory and internal guidelines.
• Lead process re-engineering, automation and customer experience enhancements.
• Overseeing timely review of products and process documentation.
• Monitor new product and process rollouts and proactively plug any compliance gaps
• Ensured that the targets on liability and Assets Nos.
• Ensured that there is cross sell to the customer on products as offered by the Bank
• Ensured that the customers get mobile banking app and start using the same for all their transactions.
• Ensured that cross sell targets on Third Party Products is met for the branch.
• Staff has both the product knowledge and requisite certifications to do the same

Review Daily Sales Report of the staff and provide guidance on ways to improve on the same.

• Managing and monitoring performance of all the sales resources, Productivity of Liability sales staff. Attrition control of customers. Includes persuading the customer to continue and if required renew FD’s.
• Monitor large amount movements / account closure from the deposit accounts and ensure that customer does not attrite.
• Ensured that the marketing analytics list on possible attrite, is called and retained
• Ensured that there is no revenue leakage
• Ensured that the Branch reaches its profitability
• By focusing on cost management
• By achieving NII, cross sell, fee and commission and other income
• Knowledge of Trade Finance / Retail Forex products and processes.
• Understanding of various business /industry segments and customer’s banking requirements.
• Strong Relationship Management, Communication and presentation skills.
• Ability to get the work done.
• Adhere to laid down system and process and compliance with regulatory requirements, thus ensuring satisfactory audit.
• Conduct internal checks on a regular basis.
• Checking of all account opening forms and authorizing the same before it being sent to Processing Centre.
• Error free documentation for all account opening and all customer instructions.
• Monitor and audit internally if this is being followed by all concerned sales staff.