Experience

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  ICICI Bank UK PLC

  • United Kingdom
  • Banking
  • 200 - 300 Employee

  • Branch Head

    • Mar 2016 - Present

    • Strategizing and making business plans in achieving branch deliverables and goals• Managing the overall book size with focus on profit maximization and cost optimization• Conducting due diligence /profiling before onboarding clients ensuring KYC/AML compliance• Meetings with large corporate CFOs, CEOs and ultra HNIs for business development• Leading the team of 8 staff -taking regular reviews to monitor their portfolio and productivity• Collaborating with internal and external stakeholders for completion of documentation• Periodic client portfolio analysis of business customers on risk assessment basis• First contact point for addressing any customer grievances or complex issues• Reviewing MIS and address critical KRI/red flags cases on priority.• Responsible for enforcing operational controls and review of processes to improve efficiency• Managing customers expectation and mitigate conduct and operational risk • Setting and monitoring business, operational and quality targets for branch personnel• Responsible for the regulatory compliance ensuring branch complies with FCA guidelines

  • Branch Head

    • Nov 2014 - Feb 2016

    • Apart from above responsibilities I was administrating PVT banking client’s queries relating to their Investment portfolio to ensure good customer outcomes• Responsible for opening all new Personal, Business accounts in the midlands region

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  Debt Specialists Limited

  • Manchester, England, United Kingdom

  • Senior Operations & Credit Manager

    • Jul 2009 - Oct 2014
    • Manchester, England, United Kingdom

    • Overall supervision of branch transactional activities ensuring smooth and compliant operations • Supervising all credit and credit control related functions of the group companies• High level of analytical and report writing, able to present accurate, comprehensive but succinct business proposals• Provide on the job training to the team on the product changes from time to time• Ensure cross sell of products to all the existing mortgage customers• Listening to calls recording to ensure adherence to established customer interaction standards • Liaison with the insolvency practitioners for the framing of specific agreements and documents• Compliance of regulatory guidelines by Prudential Regulatory Authority (PRA) and handling all investigations relating to audit inquiries • Responsible for negotiating with the creditors for acceptance of the client’s financial situation and acceptance of IPP, IVA or Debt Restructuring proposalsAccomplishments• Resolved 250 disputed cases through Financial Ombudsman Service (FOS) for claims queries • Prepared competitor analysis, business roadmap and key strategies for business acquisition

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  National Bank of Fujairah

  • Dubai, United Arab Emirates

  • Credit Admin Controller

    • Sep 2005 - May 2009
    • Dubai, United Arab Emirates

    • Handling all aspects of the centralised credit control functions of five branches in UAE• Onboarding of new customers after credit approvals ensuring KYC is complete in all respects• Responsible for reviewing pf existing portfolio documentation for loans on periodic basis• Risk assessment and rationale of applicant's background and credit history• Regular coaching and training to the team members of 10 staff• Implemented banks credit risk policy for SME, HNI, and syndicated participatory loans• Finalisation of loan documentation in consultations with legal department• Ensured early settlement of past dues, perfection of charge documentation• Discussion with credit head on the status pending documentation status and circulating of MISAccomplishments• Assisted in the automation of various processes for the Core Banking Project of credit operations

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  BNP Paribas

  • Credit Analyst / Administration/Relationship Management

    • Feb 1996 - Aug 2005

    Credit Monitoring & Loan Administration• Assisted relationship managers for the structuring of complex loan applications• Loan servicing including loan draw downs, rollovers, repayments, fee and interest processing• Monitoring of drawing power and other covenants ensure collaterals values are maintained • Monitored past dues, high transaction alerts and taking preventive steps• Handled internal auditors and RBI inspection and French audit teams for credit control functions• Reviewing of MIS of pending documentation and monthly discussion with the stakeholdersRelationship Management• Managing SME and SSI relationships and ensuring achievement of annual targets• Managing a portfolio of INR400 M Deposits/300M funded Loans and 400M of non funded• Acquisition of a embassy accounts, generating revenues through foreign exchange conversions and CASA float besides opening of personal accounts of the embassy personnel• Client onboarding of SME and SSI for the northern region of Delhi, Faridabad and Gurgaon. • Cross sell non funded products like bank guarantees and L/C to increase the wallet share• Grow CASA by INR 2 crore every month by increased acquisition and relationship deepening• Management of French multinational companies for their local funding requirements• Liaison with Bank's risk department and ensuing all files are compliant with banks risk policies• Researched over 50 targeted companies as an acquisition strategy resulted in 20% conversions

  • Assistant Operations Manager

    • Apr 1986 - Feb 1996

    • Supported operations manager in implementing the operations policy• Ensuring deadlines for processing transactions are adhered as per the service level agreements• Reconciliations of nostro and inter branch accounts• Handled line banking operational functions including forex, trade and branch administration