Purva Kusam

• Responsible for Business Development and Portfolio Management for the Gold Loan Business for the assigned Zone.
• Drive and Implement Sales strategy for the Business to deliver Net Income in compliance with the organization's goals.
• Responsible for managing the growth and profitability of the channel.
• Conduct regular and detailed business reviews with the team, to ensure business strategies are executed and Budgeted Numbers are achieved.
• Explore and identify new sourcing avenues and channels to increase penetration and Building a positive Book.
• Ensure 100% retention on renewals and also ensure zero percent delinquency on the book.
• Managing and supporting the effective deployment of a team of sales professionals concerning that geographical area, exploring new markets and in allocating resources to the most profitable opportunities.
• Ensure implementation of promotional plans & contests and suggest new and innovative promotion plans for the area of work.
• Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations
• Identifying the need for sales training, analyzing changing market trends, channel development etc. Also giving feedback & suggestions to the senior management
• Appointment of Gold Valuer/ Umbrella Valuer / Renewal of term/ discontinuation etc.
• Improved department efficiency by streamlining and implementing policies and processes.
• Mentored junior staff members, helping them develop their skills and advance in their careers.
• Conducting product/ policy training for the sales team, staff and Gold valuers
• Cultivated positive relationships with vendors to deliver timely and cost-effective supply of services and materials.
• Aanalyzing and reporting LMS / CRM data, communicating and collaborating with customers and team members.

• Responsible for generating, tracking, and submitting financial reports in coordination with the MIS Team for business analytics and decision-making.
• Interacting with all levels of management on a daily/weekly/monthly basis, as may be required, while reviewing processes to identify possible efficiencies.
• Responsibilities also include Completing daily, weekly, and monthly reporting for various groups (Corporate Office, Various Business Departments / Branches, and Credit Department)
• Act as a liaison between report recipients and data source contacts
• Part of Credit Policy preparation for Gold Loans and CMC.
• Conducting the Gold Loan Auction monthly to regularize accounts/ nil NPA.
• Conducting an Audit of Gold security yearly basis.
• Sending Overdue / NPA/ Auction Notices & SMS in coordination outsourced vendor.

• Handled Credit Monitoring Team, which involves data integration, analysis of stock statements, Insurance data, and follown up with overdue and overdrawn accounts.
• Monitoring of Advances portfolio / renewals of credit facilities
• Securitization of Audit
• Undertaking Stock Audit as per audit calendrer within the stipulated time.

• Managing the entire gamut of Branch Operations covering Back-office Operations, Clearing, Demat, Locker, ATM, Account Opening (SB/CA/FD/RD) and Deceased claims.
• Ensuring KYC-AML procedures & due diligence are conducted for triggered transactions/ identification of frauds.
• Recovery of overdue.
• Promotion / Marketing of Bank Product/ TPP and financial advising.
• Interaction with various departments and providing insights and resolving queries within TAT.
• Analysis, reconciliation & preparing MIS of unreconciled & unmapped items.
• Timely filing of various reports and returns as per guidelines.
• Handled ISO 9001(Quality Management System) Audit.
• Handled concurrent Audit & compliance.
• Retail Loan Department :
• Processing of new loans under various schemes
• Home loans, Auto loans, Educational loans, Personal loans, loans against FD/ LIC/NSC/KVP & shares and mutual funds.
• Analyzed client assets and securities as guarantees for loans in line with the policies and regulations
• Assessed liquidity risks associated with assets being offered as collateral
• Recommended credit limit as per assessments and liquidity studies of collateral.
• Supervised preparing loan documents and coordinating the closing of loans.
• Evaluated client creditworthiness by determining a client’s ability to repay any issued loans.
• Gold Loan Dept.
• Enhanced the Gold loan portfolio of Branch from crs to Rs.7 crores and retained with Nil NPA
• Monthly tallying of gold loan security & filing documents.
• Responsible for Branch Gold loan service, Audit & compliance.

Managing Retail customers :

• FD/ LIC /NSC/KVP Dept.& TDS Payment
• Demat Dept.
• ATM Dept.
• Cash Dept.
• CASA Deposits & Locker management.
• Clearing Dept.