Sunil Manappa Bhandari

Transaction Processing:

• Processing NEFT RTGS Transactions as per customer request form and cheques within the system.
• Processing Transactions related to Direct Tax Payments, ICICI Life Insurance premium payments, Demand draft Issuance.
• Processing of transactions related to Fixed Deposits and Recurring deposits.
• Breaking the Fixed Deposits and Recurring Deposits on premature date and on maturity date Within the system.
• Processing the Transactions Related to Part payments or Foreclosure of Loans Like Home loan, Auto loan, Personal loan, Business loan for ICICI cheque Payments Only.
• Processing the Transactions related to debit authorization i.e. Account to Account Transfer.
• Manual Fund Transfer without cheque to another bank account with approval matrix.
• Processing Bulk NEFT RTGS Transactions and salary credit transactions.
• Processing Transactions related to Inward Outward Remittance.
• Verifying Cash Deposits related credit card and loans payments.
• As per customer requests cases needs to be raise to backend team for processing of mobile number updation, Signature change, Name Change, -Re-kyc Updation, Pan and Address Change, SR Creations for Part Payments, Foreclosure of loans, IPO, Right Issue, Account Downgrade, Closure of Savings account and current accounts, Name Addition or deletion with Nominee Addition or Nominee Deletion and Rera Escrow Transactions.
• Inward and outward transfer clearing cheques are processed through Tab i.e. credit card payments, loan payments, School Fees Payments and account to account transfer.
• Checking proper Kyc Documents and request forms of customer Before Raising any request to backend team with Due Diligence.
• Ensure all transactions and SR creations are processed within the prescribed turnaround time (TAT). Delays may result in escalation to higher authorities.
• Maintaining Excel Sheet for Processed Transactions along with daily volume tracker file and SR creation sheet with SR rejection counts for financial and non financial transactions.
• Ensure all transactions should be processed as per audit and compliance requirements.
• Attend Daily Team calls for Training of Different forms of SR creation and Process enhancement.

Transaction Processing:

• Process transactions for recovery related to various business products.
• Utilize Kraman software for transactions based on customer requests, including customer request letters, Sanction letters, Business authority approval Emails, Process Note and Delegation Matrix.
• Client Types: SME, Corporate Banking, Large Corporate Banking, BBA AFD, IFD, Bharat Business Loan, Small Business Enterprises, RBG Crop Loan.
• Transaction Types: Processing Part payments, Foreclosures, Loan Term Short Term loan Adjustments Payoff Inquires, ledger Inquires, Overdue Inquires, Cancellation of DD (Demand Draft), Waiver and Reversal of Loans.
• Support into handling NPA, Write-offs, OTS, Loan recovery Appropriation in core system.
• Process EMI recoveries for Overdue Customers for Term Loans.
• Process waivers and reversals of Entries Within the System for Working Capital loans following the approval delegation matrix and business approval emails.
• Deal Bookings for Foreign currency loan USD EURO for closure and part payment transactions.
• Maintain strong relationships with relationship managers, business executives, and customers via email and phone calls.
• Provide customers and businesses with SOA (Statement of Accounts), RPS (Repayment Schedule), Interest Certificate, Balance Certificate, Interest Calculation, Payoff Value, Nil ols Confirmation.
• Collect pre-payment charges according to business approval mail and sanction conditions, including specific foreclosure and prepayment charge percentages.
• Provide SMA reporting data to the Credit Monitoring Team monthly for overdue or non-overdue customers.
• Process loan amortization schedules for part payments, whether they affect EMI or tenure, based on customer requests.
• Maintain and reconcile processed transactions and provide data to the reconciliation team via email.
• Ensure all transactions are processed within the prescribed turnaround time (TAT). Delays may result in escalation to higher authorities.
• Adhere strictly to guidelines for processing transactions, especially for prepayment charges and Compliance.
• Provide responses for operational risk team inquiries regarding transaction monitoring and Entries Via Emails.

• Selling of CASA Products (Current account and Saving account)
• Lead Generation through phone calls, walk in customer, References, Field Visit.
• Cross Selling of Banking products like General Insurance Mediclaim, life Insurance, Mutual Funds Fixed Deposits, Home loan, cash credit, overdraft etc.
• Customer services like pass book entry, cash deposit, DD Submission, cheque book, etc.
• Handling customer Queries related to Account Opening, Documentations, cash Deposit through ATM and Case counter.
• Maintaining Good relationship with the customers through regular connects for Business prospective.

• Verifying Settlement Payment dues whether it is Part payment or Foreclosure.
• Verifying Customer Payment on monthly Basis whether they have made payment or not.
• Outbound credit card Fraud prevention.
• Outbound Credit card debt collection.
• Outbound Awareness Call services for the Bill generated customers.
• Achieving monthly Business Targets with effective Manner.
• Maintaining customer Data for due collections from customer.
• Maintain a Good relationship with customer.
• Maintain Good relationship with Field Executive.
• We Educate a customers for maintaining a Good Credit score will lead you get better credits in future.
• Resolving Queries Related to their Due Dates, Bill Generation Date, Financial charges, Overlimit charges.