Raghu Vinay Sanka

• Identified and Opened 100+ of New Branches within 1 Year.
• Prepared Monthly & Quarterly Business Plans based on Organizational Goals.
• Conduced regular and detailed Business reviews with team and achieved Organizational Goals.
• Prepared Gold Loan Product Plans based upon competition , Risk and Yield and Implemented with Management Approval.
• Implemented innovative business development strategies to increase customer base and expand market share.
• Identified Success Business Plans and replicated in other Branches
• Identified business development challenges and customer concerns for proactive resolution.
• Monitored market trends and competitor activities to identify areas of potential opportunity.
• Introduced cross selling consumer products
• Piloted Silver Loan Product in two Branches
• Monitored key business risks and established risk management procedures.
• Monitored regularly Good Portfolio Quality of HNI Clients
• Managed financial, operational and human resources to optimize business performance.
• Founded performance- and merit-based evaluation system to assess staff performance.
• Identified Poor Performance field staff and taken suitable actions .
• Reported issues to higher management with great detail.
• Approved MSME Loans up-to 2 Lacs
• Reviewed Internal Audit Remarks time to time and taken appropriate precautions and actions
• Collected feedback from filed staff and Internal Audit team on Improvements and Implemented with Management Approval
• Identified and Implemented Software solutions for Operations e-Security
• Maintained Sufficient Staff in Each and every branch
• Properly Utilized Excess staff for Business development

• Identified opportunities to improve business process flows and productivity.
• Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
• Forecasted trends and recommended improvements based on financial risk analyses.
• Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
• Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
• Analyzed business processes to identify cost savings and operational efficiencies.
• Created financial dashboards to provide insights into key performance indicators.
• Designed and maintained financial models to identify and measure risks.
• Developed strategic plans for day-to-day financial operations.
• Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
• Complied with established internal controls and policies.

• Handled MIS,HR ,Payroll and Branch Accounts.

MIS

• Learned and adapted quickly to new technology and software applications.
• Successfully Completed Data Migration of 1K+ Branches from Excel to ERP Software
• Proved successful working within tight deadlines and fast-paced environment.
• Prepared report formats for Management to take business decisions
• Monitored Day to Day activities in MIS Dept.
• Coordinating with IT team on day to day requirements .
• Involved in software development

HR

• Taking Internal Promotional Interviews till AVP level Position
• Structured compensation and benefits according to market conditions and budget demands and Staff Performance
• Directed hiring and onboarding programs for new employees.
• Approved employee Exceptional Medical claims
• Designed and implemented region-wide recruitment.
• Coordinated work activities for HR managers, specialists and recruiting agents.

Payroll

• Maintained payroll information by calculating, collecting, and entering data.
• Maintained employee privacy and protected payroll operations by keeping all information confidential.
• Reconciled bank and payroll records routinely to verify accuracy.
• Filed payroll taxes with appropriate government agencies by deadlines to minimize risk of penalties or fines.
• Created payroll reports, tax forms and other financial reports to provide employer with necessary information to make informed business decisions.
• Responded to employee inquiries to clarify payroll issues regarding wages, deductions and taxes.
• Determined organizational payroll liabilities to keep employers in compliance with all applicable tax laws and regulations.
• Coordinated resolution of payroll discrepancies.
• Developed and implemented payroll procedures to streamline workflow.
• Audited timesheets and payroll records for accuracy.
• Prepared and submitted payroll taxes and reports to regulatory agencies.
• Completed payroll accurately and timely to meet employee expectations.
• Maintained confidentiality of employee records and payroll information.
• Updated employee files with new details such as changes in address or salary levels.
• Calculated wages, deductions and bonuses in accordance with company policies.
• Tracked employee vacation, sick and personal time.

Branch Accounts

• Monitored all Branch Managers updated LMS within time.
• Monitored EOD and BOD activities related to respective branches and resolved issues
• BRS of Branch Bank Accounts.
• Updating Expenditure Caps in ERP system based on Company Polices.
• Approved Expenditures beyond Expenditure Caps.
• Reconciled all income and expenditure line items.
• Reconciled Portfolio with MIS and verified deviations.

• Managed 1500+ Branches Internal Audit with 200+ Team
• Prepared Audit Plan and Shared with State Internal Audit Managers.
• Conducted compliance and risk assessment of key business areas.
• Conducted risk based Audits. (like high cash balance , high disbursement, high NPAs)
• Identified Operational Risks and Prevented frauds
• Assisted in Preparation of Risk Management Policies for mitigating Credit risk, Operational Risk and Market Risk and Policies.
• Investigate Staff and Customer Complaints and reported to Audit Committee
• Hired Internal Auditors time to time and maintained 10+ Surplus staff.
• Provided Training to Trainee Internal Audits on Company Polices , Product features and Internal Audit tool.
• Visited Branches regularly .

Treasury-Branches

• Transferred Funds to Branches based on Fund requirements.
• Maintained effective cash management at all Branches
• Monitored high Fund requirement branches and sent Internal Auditors to high disbursement having branches
• Monitored Branch Bank Accounts Re-Authorizations
• Monitored New accounts opening to New Branches
• Monitored Closure of Non Operative bank accounts

• Handled 200+ Branches in Tamilnadu State.
• Company has decided to close operations in Tamilnadu State due to AP Crisis.
• Built 15+ Strong team for this Crisis.
• Hired and increased internal Auditors Strength for effective Operations.
• Reviewed on NPAs and Fresh Disbursement with Team on Daily basis
• Introduced 6 Months Loan Product and reduced NPA from 450 Cr to 50 Cr with in 2 Years.
• Closed Tamilnadu Operations smoothly
• Started Operations in Kerala and Opened 10+ Branches

• Managed 150+ Members Team in MIS and Payroll
• Handled big Data dump more than 40 lacs loans in Excel form
• Prepared collection Efficiency and PAR Analysis reports with Bucket wise and location wise and all other reports from Excel.
• Payroll is Part of MIS in SSFL.
• Managed all Payroll activities
• Verified Salaries , Incentives and all Statutory deductions before processing payments
• Assisted with day-to-day operations, working efficiently and productively with all team members.
• Worked well in team setting, providing support and guidance.
• Maintained and updated 25 Lacs Customers financial transactions in Excel time to time
• Checked Accuracy in Monthly reports before Sending to Management and Board of Directors
• Monitored to sending all Weekly, Monthly reports to internal departments and external

• Managed 140+ Branches with 4 Divisions and 16 Clusters across in AP State.
• Managed 500cr + Portfolio with 99.9% collection Efficiency
• Analyzed and improved performance across zone using performance reports.
• Visited Branches regularly and Maintained Good connection with Staff and understand operational issues
• Supported regional managers, adjusting Loan Disbursement goals and processes for each region based on zone metrics and company objectives.
• Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
• Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
• Set aggressive targets for employees to drive company success and strengthen motivation.
• Established performance goals for employees and provided feedback on methods for reaching those milestones.
• Successfully managed budgets and allocated resources to maximize productivity and profitability.
• Defined clear targets and objectives and communicated to other team members.
• Evaluated employee performance and conveyed constructive feedback to improve skills.

• SPOC for 100+ Branches
• Monitored Regional Managers Activities as per their action plan
• Approved MSME loans up-to 1 lac
• Provided Response to Internal Audit Queries.
• Sharing of Best Practices with other branches
• Conducted interviews and hired Credit officers time to time based on requirements
• Provided Training to Trainee Credit officers
• Conducted Promotional Interviews based on Staff Performance and Internal Audit Recommendations .
  Implemented new products as per SOPs
• Fixing Targets to Regional Managers.
• Managed Payroll of 1k+ Employees .
• Monitoring Day to Day Operations at Head Office.

• Managed 5000+ Customers and 6 Cr. Portfolio with 99.9% collection Efficiency.
• Identified Potential Areas to Increase Business.
• Prepared Targets to Credit Officers and achieved Branch Targets
• Daily reviewed with Team members regarding Loan Disbursements, GRT Planned , Pending collections for the day.
• Attended Centre Meetings as per the action plan and meet the customers.
• Maintained high credit quality of portfolio through prudent borrower selection.
• Visited Customer House and Business location and understand their cash flows before loan sanctioned.
• Conducted GRTs as per company credit policies.
• Implemented 100% compliance of all Company Credit Policies and Processes without any deviation
• Identified Proxy customers at the time of Appraisals.
• Visited with Credit officers in Pending Collections and identified reason for delay in payments.
• Maintained all Branch records and loan applications as per SOPs.
• Reported to Regional Manager on daily basis.
• During my 9 Months Period my branch got 6 months 1st Rank in Internal Audit.
• Smoothly Transferred portfolio from one Credit officer to another credit officer.
• Demonstrated products to show potential customers benefits and advantages and encourage purchases during Centre Meeting Visits.
• Examined customer loan applications for loan approvals and denials.
• Complied with regulatory guidelines and requirements.
• Disbursed Loans to JLG Customers as per the SPOs.
• Prepared all Monthly and weekly MIS Reports
• Prepared Profit and Loss Statement of Branch on Monthly Basis.
• Analyzed financial statements to identify cost control initiatives.

• Managed with 1200+ Customer and Maintained 100% collection efficiency.
• Conducted Village Surveys and do Prospecting in selected villages, Explained JLG Product and Consumer loan Product offerings to all who attend prospecting briefing
• Sourced New Customers in the Villages/ Slums allocated, formed JLG Groups and Promoted Financial Literacy amongst potential Borrowers.
• Collected all information needed for Sourcing, Data entry on LOS, followed entire Sourcing Process as defined in company Credit Policies.
• Gathered loan documentation for underwriting.
• Coordinated with Branch Manager for required approvals for disbursements as per Process
• Collections are done from the customers as per the scheduled Centre meetings and deposited collection with cashier.
• Maintained Centre Meeting Discipline, followed SOP’s and code of conduct.
• Assisted to other credit officers in Pending collections and Loan disbursements.
• Dully filled all loan applications without any deviations.
• Maintained accurate records of customer accounts.
• Conducted financial review of customer lines of credit by assessing Customer cash flows and initiating credit application reviews.
• Provided on job training to Trainee Credit officers on collections processes and forming groups.
• Managed Branch for one month without Branch Manager.
• Promoted to Branch Manager within 3 Months based on Exceptional performance

• Sourced Current Accounts from Open Market
• Met existing customers to reviewed current services and expanded sales opportunities.
• Developed and maintained strong working relationships with Existing customers .
• Identified new business opportunities through cold calling, networking, marketing and prospective database leads.
• Built relationships with customers and community to promote long term business growth.
• Achieved company-defined sales Targets.