Rashmi Sail

• Branch Control, Audit & Compliance, Budgets / Targets Setting, Monitoring growth of the region, Highlighting performance/nonperformance: -Preparation of daily MIS Dashboard –Dashboard is one of the most important tool for monitoring of performance at all levels
• Support/ Backroom activity for presentation to MD
• MIS handling: to Work with underperforming/ below benchmark branches to help them perform and achieve targets
• Tracking managed portfolio performance and attrition.
• Customer Service- Monitoring complaints and Escalation Level:
• Monitoring & tracking complaints, escalating to the MD, Principal Nodal Officer, and ensuring timely resolution.
• Issues like RBI Complaints, submission of Statutory data. Litigation & legal cases monitoring -Preparation of Legal MIS: Ensuring all ongoing matters are reported in the MIS

• Developing Alternate channel Business (Internal as well as external channels for business)
• Meeting concern delegates, executing agreement on agreed terms, Sending educative series to the team members, roll out of payouts on incentive, designing Contest, - end to end execution till business improvement
• Customer Complaints and Grievance management-On MD/ PNO/GRC, etc complaint and there RCA
• Developing and sharing educative Series for CASA acquisition/Education sector with the team members
• Product enhancements- New Process, Marketing, Loan Melas, Designing Promotional material, Global mailers, Success Stories co-ordination with Branch banking team on business enhancements.
• WC & Branch Business/ Budgeting- Data churning for Monthly report like business, Targets, manpower management.
• follow-ups to streamline PDDs, ROC, Deferrals, Call memos, stock statements, annexures, Property insurances, Cam expiries, Unhedged letters , NPA accounts, and 30-60 dpd accounts
• Productivity Analysis- Recognition to warning letters, termination.
• Reports & Analysis & Presentation for Meetings and Review meets, Newsletters
• Review Meet Data- Trophies, nomination, stay, etc
• Preparation of Budgets, and analyzing BDP Trends, APR(Account Profitability report)
• Designing and finalizing all standard Documentation / Application forms/ Agreements copies/SLA for the group.

• Engaging corporates with various activities which create longevity and true customer value
• Designing various innovative activities in line with customer and organization needs, Important days specific activities like Nature day, Doctors days, etc
• Ensuring maximizing customer stickiness and business outcome via cross selling
• Maintaining Corporate Contactibity (CEP Benchmarks) level and to ensure monthly engagement with corporates
• Innovative ideas and execution for motivating in line sales team via success stories, RNR, and displaying wall of frame.
• Engagements with various asset teams for cross selling via regular meetings, activities, contests etc
• Cost Effective and maintaining C2I ratio for all activities

Alternate channel

• Developing business through Alternate channel, developing Internal as well as external channels for generating business
• Meeting concern delegates, Sending educative series to the team members, designing Contest, - end to end execution till business generation

• Co-ordination with relevant Customer, Agents, Sales & service Engineer & Mktg Manager for clarity of enquiries, order Preparation Internal Sales Order Form (Job work card) to Production Dept As per Customer requirement
• Proforma Payment & Advance Payment follow–up with Customer, Agent & Sales Engineer
• Preparation and Presentation of MIS reports

• Providing groups compliance information on Basel II and Audit.
• Making adequate provisioning for NPA and Write-off accounts, and determining the net credit loss to the group portfolio on monthly basis.
• Responsible for circulating timely and accurate monthly credit-risk newsletter reflecting details about portfolio health to senior management.
• Assessing, tracking and designing various analytical risk indicators for all the products in the group under various parameters w.r.t. regional, segment, NPA, quality etc., for working capital and installment loans.
• Reports prepared are Credit Mis & Risk Mis, Deferrals ,DPD, PDD Channel business FD Position, Buy Back, NPA, Basel, CB Collection Dump, MD Newsletter, Risk Newsletter, Snapshot, Product & Region wise early delinquency PPT, etc . Quarterly CTG Review presentation for Senior Management.

• Preparation of MIS , DDR reports
• Disbursement of Entire Commercial Vehicle Loan Department
• Co-ordination between Marketing and Credit Dept. for approvals
• Handling Customer Calls, Follow-ups of the customers
• To solve queries of Customers regarding their Loan contracts

Alternate channel & partnerships- Semi Urban & Rural Banking

• Involved in building robust Partnership with Fintechs, agritech and Rural Corporates to scale business in SURU region with Partners by delivering Banking solutions through partners Platform.
• Scouting for potential partners ,Engaging with Agritechs/ Fintechs with value prepositions with various products stakeholders that outlines the benefits for partner & Banks SURU Business.
• End to end process of onboarding partners as DigitalDSA under lead generation module- adhering to Outsourcing policy.
• Deep integration of API- Liasioning with various teams & there stakeholders like ,ISG, ORMG, Operations, Audit, Legal, and Digital marketing.