Uttar Pradesh, India
Dynamic and results-oriented Cluster Operations Manager with over 11+ years of experience in the Banking & NBFC industry. Proven track record of successfully overseeing branch operations, driving process improvement initiatives, and ensuring regulatory compliance.
*Responsible for overseeing daily operations, managing a team, ensuring efficiency, and driving performance & various products like Group Loan, Micro housing loan, PL, Commercial vehicles, Used cars, New cars & HL & Lap products operations।. *Coordinating, monitoring & managing operations to All UP state branches and providing guidance and support to ensure operational efficiency & effectiveness. *Conducting regular training sessions to enhance branch performance & ensure adherence to processes and procedures. Demonstrating strong understanding of statutes, regulations, & compliance requirements, including KYC adherence & AML alerts disposition. *Monitoring critical GLs, aged unreconciled items, & unprocessed transactions, guiding branches in audit preparation and issue resolution. Overseeing branch operations, audit & customer services for across UP state.. *Implementing streamlined processes across UP state branches, ensuring compliance with regulatory requirements and driving organizational performance enhancements. Identifying areas for improvement through quarterly visits to branches, implementing risk mitigation strategies and ensuring a secure banking environment. *Managing cash and non-cash operations, including fund transfers, reconciliation, and resolution of customer queries, to improve service levels. Improved internal/concurrent audit operational efficiency scores by completing assigned tasks in a timely manner. Protecting bank's property, improved branch operations processes, and ensured adherence to company rules and guidelines. *Overseeing cash management and vault maintenance, ensuring compliance with safety norms and efficient branch operations. Ensuring timely submission of relevant records and reports, adherence to KYC guidelines, and processing of new business applications. *Defining responsibilities, authorities, and accountability of direct subordinates, while providing training on branch operations, audit, compliance, and customer services.
*Coordinating, monitoring, and managing operations for 25 branches within the Gorakhpur region, providing guidance and support to ensure operational efficiency and effectiveness. *Conducting regular training sessions to enhance branch performance and ensure adherence to processes and procedures. Demonstrating strong understanding of statutes, regulations, and compliance requirements, including KYC adherence and AML alerts disposition. *Monitoring critical GLs, aged unreconciled items, and unprocessed transactions, guiding branches in audit preparation and issue resolution. Overseeing branch operations, audit, and customer services for 25 branches, with a team of 70-80 branch operations staff reporting directly. *Implementing streamlined processes across 25 branches, ensuring compliance with regulatory requirements and driving organizational performance enhancements. Identifying areas for improvement through quarterly visits to branches, implementing risk mitigation strategies and ensuring a secure banking environment.
*Managed all cash and non-cash branch operations, including fund transfers, office account reconciliation, and timely resolution of customer queries to enhance service levels. *Improved internal audit operational efficiency scores by ensuring timely completion of assigned tasks on a continuous basis. Protected bank property in accordance with safety norms and enhanced branch operations processes, policies, and practices to achieve company goals and adherence to guidelines. *Facilitated cross-selling of financial products such as Gold Loan, FD/RD, etc., to maximize revenue opportunities. Oversaw branch cash management and maintained vault Cash Reserve Limit (CRL), while also managing branch operations and customer services. Monitored and maintained relevant registers and vouchers at multiple branches within the Gorakhpur Region. *Addressed subsequent escalations for new business issues related to customer service, ensuring compliance with client verification norms before loan disbursement. Ensured timely submission of all relevant records and reports, including internal branch records and scrutiny of new business applications, in accordance with KYC guidelines and third-party norms.
*Ensured timely processing of bank transactions, including fund transfers, cheque processing, account openings, and office account reconciliation, to meet customer needs and enhance service levels. *Generated leads for Current Account and Savings Account (CASA) from new customers and increased account balances for existing customers. *Conducted outbound marketing calls and sought referrals to generate business while ensuring compliance with internal guidelines and procedures. *Improved the internal audit operational efficiency score of the branch by completing assigned tasks promptly and consistently. Protected bank property in accordance with safety norms and upheld ethical conduct in daily business operations.