Swetha R Vandakar

· To monitor and supervise all the operational activities of branch on daily basis and ensure satisfactory audit ratings for the branch. - To ensure error free operations at branch.

· Branch administration - Take up issues relating to infrastructure, utilities, systems etc.

· Lobby Management

· Resolution of customer queries/complaints and ensure quality customer service is delivered.

· Managing all operational activities of the Branch and ensuring proper and timely delivery of customer service.

· Supervise & Monitor teller and welcome desk.

· Teller counter supervision.

· Responsible for Cash and Customer transactions at the Teller counters

· Supervising all Non-Cash transactions like DD/MC, fund transfer etc.

· Monitoring all Dummy accounts.

· Cash management and liaison with Currency Chest.

· Checking/ Monitoring of EOD reports (BJR/ Instruments issued report/ EOD cash position etc.

· Reporting of all large cash transactions.

· Branch Operations and Audit Compliance.

· Handling service quality and main Audit of the branch.

· Migrating customers to digital banking.

· Regular generation of leads for New To Bank- customer and cross sell various products

· Deepening of relationship with existing customers who walk-in, through cross-sell of all products and services. Generate leads for Third Party Products to the customers.

• Managed daily branch operations for optimal productivity and customer satisfaction.
• Contributed to ongoing process improvements that led to increased efficiency across various aspects of branch operations.
• Developed strong relationships with clients, resulting in increased loyalty and repeat business.
• Improved branch efficiency by streamlining operations and implementing new processes.
• Maintained friendly and professional customer interactions.

· Handling Home Loan Operations for three Branches, Koramangala HUB, Bellandur & Whitefield received through Physical Files & Digital Format.

· Handling a Team of 10 I-Bankers and 15 CPA’s (Outsourced through I-Process) for processing loan at different stages.

· CPA Management (Infrastructure, Salary, Leaves, Promotion)

· Coordinating with Sales, RCU, Credit and PDD Team for smooth processing of loans.

· Maintaining TAT at different stages for faster processing of loans for better Customer Satisfaction.

· Ensuring all processes are followed at all stages as per procedure guidelines without any error to avoid any discrepancy.

· Having everyday discussion with team to understand there learning’s and bridging the gap for the same with further training.

· Giving Managerial Assessment scores for Team Members (I-bankers).

· Providing Yearly ratings and promotions for I-Process Employees.

· Approving Leaves, Muster, Bills for my Team and Branch Expenses.

• Improved overall operational efficiency by streamlining processes and implementing new systems.
• Enhanced customer satisfaction through focused staff training and regular performance evaluations.
• Trained and guided team members to maintain high productivity and performance metrics.
• Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.

· Checking & Processing Progress Drawdown Facility(PDF) Drawdown’s, & Repayments

· Checking & Processing Fully Drawn Advance (FDA) Drawdown’s & Repayments

· Processing Cash Advance Drawdown’s, Rollovers & Repayments

· Passing Trans active entries, Web Vouchers & Real Time Gross Settlement(RTGS)

· Processing Commercial Bills, Manual Fees & CACHE Maintenance

· Daily Reconciliation of Manager Accounts

· SME for E-CLAA

· Processing Global Loans Invoice requests, Cancellations & Payments

· Daily Reconciliation of GLI and Manager accounts

· Checking & Processing invoice payments Calculating (Reduced input tax & GST), Foreign Currency payments.

· Processing NSU PAF

· Daily & Monthly Reconciliation of GL accounts

· Processing Tranche – 2 activities - Updating DO Register & processing paper CLAA.

• Supervised day-to-day operations to meet performance, quality and service expectations.
• Developed strong working relationships with staff, fostering a positive work environment.
• Promoted teamwork within the workplace by encouraging collaboration among staff members on various tasks.

· Handling a team of ADFC Staff.

· Handling System & Fund Checking Unit and Quality Check Process.

· Authorizing modified forms at SCU and QC level and Financial entries

· Resolving hold form queries

· Tallying Dummy Reconciliation & QC for the same

· Taking care of forms dispatch to CPU.

· Verifying file and ensuring all documents are collected

· Uploading files in the system to generate Loan Account No, Checking CIBIL

· Coordinating with Fraud Control Unit team for checking Fraudulent documents

· Filling and Uploading Loan Cover Insurance, Health Insurance Policies and other docs

· Maintaining Branch Petty cash (Register and Cash)

· Issuing Repayment Tracks and outstanding due statements to customers

· Attending the walk-in customers

· Ensuring the optimum usage of Branch stationaries to reduce branch cost

· Preparing Login ,Disbursal and delinquency MIS of the Branch

· Taking care of Administrative work

· Filling, Verifying file and ensuring all documents are collected

· Dispatching the file to Head Office and Maintaining Sales MIS

· Issuing Repayment Tracks and outstanding due statements to customers

· Collecting PDC/SPDC from customer and handover disbursal cheque

· Getting refunds, foreclosure amount, giving back the remaining cheque of closed loans etc

· Handling various Customer Queries