Priyasree. B
Bangalore,KA
Summary
Dedicated Banking professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
22
22
years of professional experience
5
5
years of post-secondary education
Work History
Credit analyst
07.2011 - Current
- Underwriting and managing Auto loans/Used car loans/Auto Premium/Used Car Premium/Personal loans
- Assessment of Organization Financials for Luxury/Premium Car Funding based on In House SOP
- Managing credit risk - Analyzing Credit worthiness of the clients financial documents and deriving the eligibility as per internal policy parameters laid down by the organization
- CPA Training - Effective Handling of CPA team by updating them on Banks’ lending Polices and Imparting Timely training.id creation/deletion for Cpa/cpv staff
- Enhancing the image based process in the existing branches
- Non Starters and Delinquency analysis - The report depicts true picture about the market and particular segment behavior which help to restrict the exposure and keep underwriting policies in tune for future decision making
- Portfolio Tracker (Auto Loans)- effective tracking of exceptional cases where in deviations are sought to analyse the Credit Risk involved per case
- Vendor Management - Monitoring the Third party agencies viz; CPV, DSA , CHANNEL PARTNERS ensuring that the deliverables are as per the agreed SLA (Service Level Agreement)
- Effective PDD monitoring
- Review and Rectification of asset cost mismatch,
- Meeting Corporate clients for large ticket deals and blanket approval deal
- Remained PAR champion through the Auto loans Tenure
- DSA report cards are reviewed and discussed with Channels and DSA
- Having no Gross Non starters
- Productivity , TAT, Delinquency recovery, and Audit exceptions are achieved as per process guidelines
Senior Manager
HDFC Bank Ltd
04.2003 - Current
- Acquired good exposure in areas like Retail Banking operations & retail Credit
- Customer Relationship & adept knowledge in all financial products
- Fast to learn and comfortable in adapting to different work environments
- A team player with good communication, presentation and interpersonal skills
- Specialized in Retail Banking, in areas like Fixed Deposits/Savings, Current Accounts & NRI services, Forex & Retail Credit Auto loans & Personal Loans
- Expertise on core banking software – Finware, Flexube, Los(Loan origin system) & Finnone
Assistant Manager/Deputy Manager/Manager
HDFC BANK LTD
CHENNAI
04.2003 - 12.2009
- Worked as a Personal banker handling walk-in queries
- Responsible for sourcing SB/CURRENT ,DEMAT & Securities
- Authorization of transactions Like Cash Payments & Receipts, DD’s at the Branch
- Interaction with the Statutory Auditors for Branch Audits
- Achieved qualitative improvements in the branch for maximizing customer satisfaction
- Responsible for ATM Cash loading/Resolving ATM Related issues
- Responsible for Outward/Inward /Outstation house Clearing Process on daily basis
- Responsible for day to day branch operations
- Academic Chronicle
Teller Authoriser
- To ensure the team complies with error free transactions
- To handle High Net worth Customers with utmost care and ensure prioritized treatment
- Personally responsible for smooth operations vis, Treasury handling ,outward remittance, DD-MC issuance, Foreign Exchange Buying and Selling ,TAX payments
- Handled Corporate Salary Uploads /DEBOS for Demat Queries
- To ensure team up sells and cross sell for revenue enhancement
- Handled Inward Remittances effectively on daily basis
- HandleD RTGS (Real Time Gross Settlement), NEFT (National Electronic Fund Transfers)
- Handled PIS( Port Folio Investments Scheme) transactions on regular basis
- Handled Metered Software for Gold Bar Selling Operations
- Reviewed Trial Balance and GL Reports on daily basis
- Handled T.O
- D Monitoring for Retail Accounts on Daily Basis
- Reviewed Reports of Dormant accounts / Large Cash Transactions
- Reviewed Branch Authorisation Reports for Corporate accounts Viz T.O.D Unauthorised records, Delayed authorized transactions
AUTHORISER
PB
- Back up Branch manager for 25 Crore branch
- Handled whole branch operations
- Supervising teller/Pb operations
- Responsible for Branch FTNR/Depletion/suspense monitoring
- Handled CRM related transactions & customer complaints
- Supervised Welcome desk/PB sales related transactions
- Responsible for internal audit /Vault operations/cash management/
- Monitored reports like Large transaction/Locker/tod /other daily transactions reports
Education
Bachelor Of Science - Computer Science And Programming
Govt Arts College
Karur 04.1997 - 04.2000
Skills
Computer LiteracyOperating SystemsDOS, Windows 9x/2000/XPBanking PackagesFinware, Flex Cube, CRM Next, Los(Loan origin system), Finnone
Accomplishments
Best Par &Best Portfolio -
4 years( 2013,2014 2017,2019(Jimmy Tata)
Elevated to L2 within 2years (Auto Loans)-2013
ZSM Recognition for Best Channel Handling- Advaith Hyundai
Timeline
Credit analyst
07.2011 - Current
Senior Manager
HDFC Bank Ltd
04.2003 - Current
Assistant Manager/Deputy Manager/Manager
HDFC BANK LTD
04.2003 - 12.2009
Bachelor Of Science - Computer Science And Programming
Govt Arts College
04.1997 - 04.2000
Teller Authoriser
AUTHORISER
PB