Tushar Kanti Kundu

Ensure smooth functioning of branch network, including oversight of currency chest operation. Looking after the Non-Interest Income of the Zone.

Oversee performance of branch operations (Lockers, Doorstep Banking, Finacle Issues) and drive improvements.

Oversee coordination with external agencies & other relevant verticals to settle matters pertaining to frauds & claims.

Oversee functioning of all currency chests across the Zone including receiving/paying cash to all branches, sorting of notes for re-issue, detection impounding and reporting of counterfeit notes, distribution of coins, adherence to clean note policy etc.

Implementation of all regulatory guidelines related to currency chest operations; Inspection of currency chests; Submission of return to RBI/SEBI.

Oversee locker operations of Branches across the Zone.

Oversee delivery of doorstep banking services across the Zone.

Coordination with DIT in case of any operational Finacle issues at branches.

Oversee operations of cash deposit machines (CDMs) and semi-automatic passbook printers (SAPBP) including deployment, maintenance and replacement. Oversee all cheque deposit machines, vending machines matters across the Zone.

Oversee all KYC related activities across the Zone.

Oversee account opening processes including centralized account opening through DMS, online account opening, tabulous account opening and bulk account opening across the Zone.

Monitoring of CKYC; Ensuring KYC & Re-KYC across the Zone. Processing of Back dated opening of accounts.

Oversee timely reporting to ensure compliance adherence for various regulatory, statutory fair practice code and other codes

Working in Credit Monitoring and Restructuring Department at Field General Manager’s Office. Presently monitor the Credit Portfolio of 3 States ( Karnataka , Andhra Pradesh, Telengana) . Dealing with Stress Assets and performing following duties:

- Status Reports of likely slippages of Rs.1 Crore and above of the Zone

- Generation of Stressed Assets

Sending letters to all Regions informing about the stressed assets position

Sending letters to all Regions informing about Top 10 Branches stressed assets position of the Region

- Preparation of ABC Analysis of the Zone

- Mock Run generation

Sending letters to all regions informing about mock run position

Follow up of Mock Run, Technical, High value accounts

Preparation of Consolidation position of Mock Run

- Generation of Review/Renewal position

Sending letters to all regions informing about Review/Renewal position

Follow up of Review/Renewal position

- Legal Audit Compliance

Follow up of accounts above Rs.5 Crore

- Legal Audit Compliance –Retail (Mortgage based loans under SMA-2)

Follow up of accounts Rs.10 lacs and above

- Preparation of AQMC Meeting Minutes

- MMR Submissions

Follow up of MMR position of FGMO & CO

- Approval Rephasement of Retail Loans

- Updating probable slippages of the zone to CO, CMRD

As Branch Head drive mobilisation of resources with specific focus on CASA to enhance low cost market share .

Ensure the customer service quality of the Branch .Acquire and enhance customer relationships on an ongoing basis by providing end-to-end banking services. Promote effective usage of alternate delivery channels. Manage effective customer interaction and grievance redressal machinery. Provide inputs on products and services based on customer feedback and market interaction to enhance value for the Bank Ensure compliance to the Bank's Fair Practice Code as laid down by BCSBI and undertake corrective action in the case of non -compliance .Provide proper infrastructure, ambience & support to the Branch to enhance visibility and attractiveness of the Branch and seek support / approval from the higher offices, as and when required, on the same .Implement initiatives of the regional office in marketing new products through the Branch. Monitor and control the Branch's expenses and ensures adherence to budget on the same.Scrutinise and appraise credit proposals, more particularly personal loan segment & MSME and sanction/ recommend to appropriate approving authority, as per loan policy guidelines.Maintain focus on strong asset quality for the Branch through ongoing surveillance , internally or externally and ensuring timely

repayment and NPA management. Perform the role of a people manager by setting performance goals for direct reports and monitoring their performance, providing developmental guidance and direction as and when required.Support the audit process by providing required information to the concurrent auditors and undertake initiatives to rectify the irregularities and submit the Certificate of Rectification as per timeliness .

Control on systems and procedures.

Responsible for catchment area planning i.e. Surveying the command area, identifying potential areas of business growth, develops and increases the volume of business specifically with respect to advances in the focus sectors including customization of schemes basis local area imperatives, cross selling etc. Scout loan proposals through existing customers / walk-in customer / business mobilization drives/ tie-up /partnership/BC leads. Collection of all pending documents required for processing the loan as per the scheme and Conduct pre-sanction inspection/ verification of KYC documents, due diligence of Applicants/ Guarantor / asset (wherever applicable) and prepration the credit information of Applicants/ Guarantor . Initite legal search report and valuation report through empanaled advocate and valuer. Scrutinize relevant documents for credit appraisal and conduct CIBIL check, CERSAI check and mortgage check. Coordinating with external agencies like CPV agency, empanelled lawyer / valuer etc. for obtaining the required reports. Prepare the proposal by entering relevant details in LAS package. Compile process note and stipulate terms and conditions of sanction relevant to the case. Monitoring of loan accounts for regular payment,follow up with borrowers of stressed and NPA account for recovery. Assists in mobilization of resources with specific focus on CASA to enhance market share.