REENA VIJAY
SENIOR MANAGER
Delhi
Summary
Strategic banking professional with 13 years of experience in customer service, financial management, and business development. Expertise in financial advising, risk assessment, and process optimization enhances operational efficiency and asset quality. Leadership in implementing effective work processes supports portfolio growth through strategic planning and regulatory compliance. Knowledgeable Senior Manager with solid background in compliance management and proven track record in policy implementation and risk mitigation. Successfully led multiple compliance initiatives that enhanced operational integrity and regulatory adherence. Demonstrated expertise in regulatory analysis and compliance training.
Overview
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1
Language
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Certification
16
16
years of professional experience
Work History
Branch Administration and Compliance Manager
Bank Of Maharashtra
New Delhi, India
08.2024 - Current
- Validated conformity with RBI master directions, Banking Regulation Act, FEMA, PMLA, IFSCA guidelines, and internal banking standards.
- Formulated and oversaw risk-centric activity plans in alignment with regulatory and operational risk.
- Executed enterprise-wide compliance testing utilizing digital compliance platforms (complicheck).
- Evaluated regulatory compliance across specialized branches and functional departments.
- Oversaw timely resolution of RBI inspection observations, IRAR, RMP, MANC, LFAR, and audit findings.
- Managed coordination of statutory and regulatory returns to RBI and various regulatory bodies.
- Coordinated establishment of technology-oriented compliance monitoring systems following RBI guidelines.
- Assessed and validated policies, SOPs, operational manuals, and new banking products to ensure regulatory compliance.
- Oversaw compliance violations, regulatory assessments, penalties, and implementation of corrective action plans
- Compiled quarterly and annual compliance reports for senior management audit committee and board.
- Conducted compliance awareness programs, workshops, and training initiatives, enhancing compliance culture and fostering a proactive compliance environment.
- Coordinated with Internal Audit, Risk Management, Vigilance, Legal, Operations, Treasury, and Business Departments for effective compliance governance.
- Supported implementation of RBI’s Risk Based Supervision (SPARC) framework and DAKSH supervisory monitoring system.
- Participated in root cause analysis and implementation of preventive and sustainable corrective actions for regulatory observations.
- Maintained compliance dashboards and monitored key compliance indicators through automated compliance tools.
- Reduced Gross NPA from 2.50% to 0.20% of the overall credit portfolio through focused recovery strategies, proactive monitoring, and effective credit risk management.
- Expanded the branch business portfolio, achieving 20% growth in total business, driven by strategic customer acquisition and enhanced penetration in the MSME segment.
- Exceeded the Commercial Advances business target by achieving 134.55% of the assigned target.
- Successfully advanced quality loans to HNI customers and supported financing for marquee real estate projects across Delhi-NCR.
- Significantly improved recovery performance while maintaining high asset quality and regulatory compliance.
- Strengthened governance and internal control frameworks, resulting in improved audit outcomes and sustained operational excellence.
- Conducted risk assessments to identify compliance vulnerabilities and improve mitigation strategies.
Strategy and Product Development Manager
Bank Of Maharashtra- HEAD OFFICE
New Delhi, India
07.2023 - 08.2024
- Strengthened governance and internal control frameworks, resulting in improved audit outcomes, and sustained operational excellence.
- Facilitated cross-functional team efforts to design and launch innovative products from concept to market.
- Led the end-to-end product development lifecycle, including ideation, market assessment, business case preparation, product design, launch, and post-implementation performance review.
- Managed the full spectrum of the product development lifecycle, involving ideation, market research, business case preparation, product design, launch, and post-implementation performance review.
- Managed banking product portfolios, monitoring profitability, customer adoption, pricing strategies, and product performance to enhance business value.
- Performed market research, customer segmentation, and competitive analysis to pinpoint emerging opportunities, and tailor customer-centric financial solutions.
- Collaborated with cross-functional teams including Business, Risk, Compliance, Operations, Technology, Legal, and Marketing to ensure seamless product delivery and regulatory compliance.
- Developed product propositions, pricing models, and go-to-market strategies that aligned with market trends and addressed customer needs.
- Cultivated strategic alliances with fintech companies, developers, corporate clients, and ecosystem partners to reinforce market presence and increase business opportunities.
- Presented strategic recommendations, performance insights, and business plans to senior management to support executive decision-making, and long-term business growth.
- Developed creative presentations, trend reports, kitted assets, and product data sheets.
- Oversaw development of more than 7 new products each year.
- Reduced time-to-market for new products by implementing agile project management methodologies.
- Developed long-term product roadmaps, aligning business objectives with customer needs and market trends.
Branch and Credit Portfolio Manager
Bank of Maharashtra India
PUNE
07.2019 - 06.2023
- Administered a high-performing team of 7 professionals, optimizing portfolio allocation and aligning operational workflows to guarantee seamless, zero-disruption branch operations.
- Accelerated the retail credit portfolio by successfully taking over ₹7 Crores in high-value housing loans within 3 months, driving a massive 52% growth in the housing portfolio for FY 2019-20.
- Honored with institutional awards for the consecutive overachievement of assigned commercial and retail advances targets.
- Aggressively reduced outstanding NPA levels from ₹1.70 Crores to ₹50.30 Lakhs by deploying rigorous recovery follow-ups, maximizing One-Time Settlement (OTS) schemes, and leveraging legal recovery frameworks.
- Led the branch to achieve a historic milestone as the zone's first branch to log Zero Customer Grievances alongside a 100% regulatory compliance rating.
- Optimized Turnaround Time (TAT) across critical banking milestones, including loan processing, post-sanction inspections, timely audit rectifications, and legal recovery procedures.
- Administered a high-performing team of 7 professionals, optimizing portfolio allocation and aligning operational workflows to guarantee seamless, high-efficiency branch operations.
- Streamlined resource allocation and front-to-back operational processes, measurably boosting branch efficiency and reducing overhead costs without compromising service quality.
Assistant Branch Manager - Financial Advisor
Bank of Maharashtra India
PUNE
10.2014 - 06.2019
- Here is the enhanced, ATS-optimized version of your work experience. Your impressive metrics (65 new clients, 23.45% credit growth, ₹40 Crore deposit mobilization) and government scheme contributions have been highlighted right at the top to ensure immediate impact.
- Branch Operations, Business Development & Portfolio Management
Accelerated business growth by acquiring 65 new high-value clients, driving a 23.45% expansion in the branch credit portfolio through targeted market penetration. - Mobilized ₹40 Crores in fresh deposits, strategically onboarding high-net-worth institutional accounts, local traders, and prominent businessmen.
- Spearheaded the execution of National Financial Inclusion initiatives, driving aggressive customer enrollment across flagship government schemes including PMJDY, PMJJBY, PMSBY, APY, SBY, and SSY.
- Managed high-volume daily branch operations, efficiently serving 70 to 85 customers per day while maintaining strict service-level agreements (SLAs) and zero-error transaction processing.
- Supervised end-to-end daily banking workflows, ensuring absolute compliance with regulatory frameworks, central bank guidelines, and internal banking policies.
- Facilitated a 20% aggregate increase in portfolio growth by blending strategic client engagement with comprehensive risk management and financial advisory frameworks.
- Organized and prioritized localized market activities, engaging with internal and external partners to deliver tailored solutions that aligned with clients' business and personal financial objectives.
- Conducted deep-dive client portfolio reviews and structured consultations, leveraging financial insights to optimize investment strategies and improve long-term financial outcomes.
- Championed digital banking adoption among retail and small business clients through targeted technology education and demonstrations, enhancing retention and driving digital sales.
- Collaborated closely with Senior Management to formulate and execute strategic business plans, significantly enhancing customer engagement metrics and strengthening branch market competitiveness.
- Analyzed branch performance metrics, providing insights for management decisions and operational adjustments.
- Monitored daily branch activities, quickly identifying areas requiring improvement or corrective action to maintain operational excellence.
Single Window Operator
The Federal Bank Ltd.
JAIPUR
11.2012 - 09.2014
- Single Window Operator (SWO) – Core Responsibilities
Customer Onboarding & Account Lifecycle: Spearheaded end-to-end account opening processes for retail, corporate, and specialized accounts, ensuring flawless accuracy from data ingestion to account activation.
- Rigorous KYC & AML Compliance: Executed mandatory Know Your Customer (KYC) verification, Customer Due Diligence (CDD), and document authentication protocols in strict compliance with anti-money laundering (AML) and RBI regulations.
- Forex & Remittance Operations: Processed inbound and outbound foreign exchange (Forex) transactions, accurately managing international money transfers through digital cross-border platforms including Western Union.
- High-Volume Cash & Transaction Management: Administered daily cash receipts, withdrawals, clearing checks, and demand drafts with a zero-variance record, ensuring rapid processing speeds and strict cash drawer balancing.
- Digital Banking Promotion & Upselling: Accelerated branch digital footprints by onboarding clients to mobile banking, internet banking, and alternate delivery channels, while identifying cross-selling opportunities for core banking products.
- Customer Experience & Query Resolution: Served as the primary point of contact for frontline retail banking, resolving complex customer grievances, account discrepancies, and service requests with a high first-contact resolution rate.
- Operational Controls & Vault Verification: Maintained meticulous adherence to internal audit benchmarks, daily closing protocols, dual-custody verification, and secure handling of sensitive bank instruments.
International Exports Planning Co Ordinator
Cipla Ltd. – Special Economic Zone (SEZ)
SEZ Indore
06.2010 - 04.2011
- Managed production planning and export coordination for SEZ Unit 1 (Respiratory Care) and SEZ Unit 5 (Veterinary Pharmaceuticals & Advanced Formulations), ensuring seamless production scheduling, inventory optimization, regulatory compliance, and timely execution of export orders across regulated and emerging international markets. Coordinated with cross-functional teams including Production, Quality Assurance, Regulatory Affairs, Supply Chain, Procurement, Warehouse, and Logistics to support uninterrupted manufacturing operations and on-time global deliveries.
- Key Responsibilities
- Developed integrated production plans and dispatch schedules for respiratory, veterinary, and advanced pharmaceutical formulations based on demand forecasts, production capacity, and export commitments.
- Coordinated export operations to the United States, United Kingdom, Germany, France, Australia, Brazil, South Africa, UAE, Saudi Arabia, Kenya, and other markets across Europe, the Middle East, Africa, Asia, and Latin America, ensuring compliance with country-specific regulatory and documentation requirements.
- Managed production planning for respiratory products including Asthalin (Salbutamol), Foracort (Budesonide + Formoterol), Seroflo (Salmeterol + Fluticasone), Aerocort (Beclomethasone + Levosalbutamol), along with Metered Dose Inhalers (MDIs), Dry Powder Inhalers (DPIs), and Nasal Spray formulations.
- Supported planning and export coordination for Veterinary Pharmaceuticals, including sterile injectables, oral solutions, tablets, capsules, powders, and advanced animal healthcare formulations, ensuring timely availability of materials and uninterrupted production.
- Prepared and monitored monthly production plans, capacity utilization reports, inventory forecasts, dispatch schedules, and export shipment trackers.
- Coordinated export documentation including commercial invoices, packing lists, Certificates of Analysis (CoA), shipping bills, customs documentation, and country-specific regulatory documentation.
- Worked closely with Regulatory Affairs, Quality Assurance, Warehouse, Procurement, Freight Forwarders, and Customs authorities to ensure timely shipment clearance and customer deliveries.
- Monitored production progress, identified planning bottlenecks, and implemented corrective actions to improve production efficiency, inventory utilization, and on-time export performance.
- Maintained production planning MIS, export dashboards, and KPI reports to support management decision-making and operational planning.
- Ensured compliance with cGMP, GDP, SEZ regulations, international pharmaceutical quality standards, and export compliance requirements.
Education
Post Graduate Diploma - Business Management- Operations
Symbiosis Centre of Distance Learning
Pune06-2014
Master of Science - Pharmaceutical Chemistry
Maharaja Ranjit Singh college of Professional Sciences
Indore06-2013
Bachelor of Science - Biotechnology
Holkar Science College
Indore, India 04.2001 -
Skills
Compliance management
Regulatory reporting
Risk management
Anti-money laundering
Know your customer
Customer due diligence
Branch compliance
Internal audits
Stakeholder Engagement
Banking expertise
Sales achievement
Career Overview
Compliance monitoring
Compliance documentation
Volunteer and Extracurricular Activities
Intracollege Debate Competition Participated in Annual Intracollege Debate Competition and was awarded First Prize. Event Manager Manipal University 2014 Organized a networking event with the Bank leadership team and other participants. Intracollege Debate Competition Participated in Annual Intracollege Debate Competition and was awarded First Prize. Event Manager Manipal University 2014 Organized a networking event with the Bank leadership team and other participants.
Certification
Certified Associate of Indian Institute of Bankers by Indian Institute of Banking and Finance, a national apex body as recognized by the Govt. of India, Ministry of Finance.
Timeline
Branch Administration and Compliance Manager
Bank Of Maharashtra
08.2024 - Current
Strategy and Product Development Manager
Bank Of Maharashtra- HEAD OFFICE
07.2023 - 08.2024
Branch and Credit Portfolio Manager
Bank of Maharashtra India
07.2019 - 06.2023
Assistant Branch Manager - Financial Advisor
Bank of Maharashtra India
10.2014 - 06.2019
Single Window Operator
The Federal Bank Ltd.
11.2012 - 09.2014
International Exports Planning Co Ordinator
Cipla Ltd. – Special Economic Zone (SEZ)
06.2010 - 04.2011
Bachelor of Science - Biotechnology
Holkar Science College
04.2001 -
Master of Science - Pharmaceutical Chemistry
Maharaja Ranjit Singh college of Professional Sciences
Post Graduate Diploma - Business Management- Operations
Symbiosis Centre of Distance Learning