SREVIDYA NAIR

EXPERIENCE
Cashier Ujjivan Small Finance Bank - Palakkad
05/2023 - I currently work here
.
Roles and responsibilities
■ Maintaining branch CRL effectively.
■ Handling customer queries and request.
■ Monitoring office accounts.
■ Handling and closing the customer service requests within TAT.
CONTACT ■ Taking mandatory branch reports.

Palakkad, India ■ Self audit with reports.

■ Deliverables and inventories cross tallying.
7736427269 ■ Submission of compliance reports monthly.
■ Generation and increase of branch Sales.
srevidyanair031986@gmail.com
■ Making entry for Asset Collections.
■ Maintenance of records both written and electronic
■ Preparing of reports and statistical representation of overall transactions.

PROFESSIONAL ■ Verifying Two wheeler loan agreements and loan application.

SUMMARY ■ Verifying car loan agreements and loan application

Experienced banking professional with
four years of experience at banking sector,
where I used analytical and interpersonal
skills to maintain a customer satisfaction
rating. Seeking a chance to leverage my
banking skills to maximize the operations
and quality of service at banking sector.
CORE QUALIFICATIONS
■ Hands on experience in Banking
Software especially Finnone & Finnacle
■ Well versed with MS Windows, MS Word,
Excel, Power Point and Outlook.
■ Cash counting
■ Cash management
■ Cash drawer balancing
■ Customer assistance
LANGUAGES
Malayalam: C2
Proficient
Hindi: C2
Proficient
■ Monitoring gold loan disbursement.
■ Opening the Vault on time ,and moving cash to counter,
■ Maintaining cash balancing register with system on daily basis,
■ Cash receipt and payment, CMS entry, cash Dds.,RTGS,NEFT.,
■ Maintaining cash upto 5 lakhs and moving excess cash to vault.
■ Merging other tellers cash at EOD.
Audit and Compliance
■ Fortnight report verification .
■ Physical verification of Inventories
■ Physical verification of Cash and jewel loan pouches.
■ Debit without cheque Transactions.
■ More than 50k receipt transaction without PAN/Form 60.
■ More than 10 lakhs
■ Cash DD,FD, voucher verification.
■ Scrutinizing Value dating transaction and approvals.
■ Maintaining office account and reversing the entries with in TAT
■ Handling all aspects of Branch Operations; Savings Bank Accounts.
■ Current Accounts, Fixed Deposits, Cash Management Services and remittance
,Jewel loan account opening.
■ Maintenance of onsite ATM loading at branch level and reporting to corporate
office for resolution of discrepancies.
■ Processing Bills and getting approval from higher authority,Petty cash.
■ Excellent working knowledge in Auditing onsite ATM.
■ Processed Monetary Transactions which includes Cash Management at branch
level.
■ Well versed with ‘Finacle' Core Banking Solutions Software.
■ Handled multitask desk which includes Teller Job, Handled Customer.
English: C2 ■ Queries and remittances such as RTGS, Demand drafts, TDS entries.

Proficient ■ Cross Selling of LI, GI, MF, Gold, contribution towards the Revenue.
■ Generation and increase of branch Sales.

Assistant Branch Manager YES BANK

03/2021 - 07/2021
■ Risk Assessment, Appraising proposals for LAP, Gold Loan, Personal loan,
Business Loan (SME) inclusive of conducting risk analysis & scrutinizing
relevant documents before disbursing loans as per norms
■ Addressing all customer related queries for all the retail asset products
■ Disbursing sanctioned loans and conducting post sanction follow-up
■ Handling post-disbursal support functions including documentation
■ Ensured faster delivery, lower turnaround time (TAT) for processing of loans
■ Responsible for post disbursement related activities such as PDC Management
for all Products, responsible for Audits including, Internal & External and RBI
■ Excellent Relationship Management skills with experience in statutory
compliances and smooth business operations
■ An effective communicator with excellent relationship building and
interpersonal skills
■ Exposure to Banking Software's like Finacle and FinnOne
■ Account Opening & Maintenance:
■ Processes account opening, account maintenance & account closure related
formalities as per YBL process
■ Handles customers' enquiries and instructions, whilst ensuring that the Bank's
delivery standards are met in achieving total customer satisfaction
■ E.g
■ Timely checking of account opening documentation, opening of Accounts etc
■ Ensures adherence to process & documentation standards
(e.g.,forms/checklists, welcome calling, approvals, etc.)
■ EXECUTIVE DIGEST
■ Ensures pro-active & sustained liaison with NOC, Product, Sales RM, etc
■ Where required
■ Maintains strict vigilance on the quality of forms and documentation provided
■ Ensures timely follow up with Sales RMs of all BUs for resolution of any
outstanding deferrals
■ Transactions: Ensures proper scrutiny of all transactional documents
submitted by the customer vis-à-vis branch checklist to ensure all that all
necessary documents are submitted by the customer
■ Addresses and resolves all transaction related enquiries
■ Ensures strong monitoring of all transactions
■ Service & Quality: Ensures that adequate records & data pertaining to
customer queries and complaints is maintained & analyzed for achieving
greater process efficiency
■ Ensures daily / weekly monitoring & analyses of various data points & reports
that have3 bearing on Customer Service & process adherence
■ Coordinates with relationship managers and meet / interact with key clients on
a periodic basis to stock take on service levels and customer satisfaction
■ Ensuring collection of CSS forms on periodic basis and sent to NOC
■ Implementation of 5S, ISO 9001:2000, Six Sigma standards & meet/exceed set
quality parameters conforming to the standards
■ Audit & Compliance: Follows all process, policies as per guidelines & audit
rating of the branch
■ Ensures comprehensive compliance with all internal, regulatory and statutory
 requirements as relevant for various product and services from a branch
perspective
■ Attends to any audit findings and resolves them immediately as applicable
■ Others: Maintains highest levels of discipline (punctuality, attendance,
grooming standards etc) in the office
■ Ensures timely escalation of issues that is impacting business and possible
solutions to address the concerns to the BSDL
■ Manages Local Vendors /agency relationships to ensure smooth execution of
transaction
■ Completes Branch upkeep & maintenance and control over the cost
■ Self-Management Responsibilities Defines performance goals at the start of
the year in discussion with the reporting manager and ensures that the goals
are monitored and achieved during the course of the year
■ Takes ownership of his/her own learning agenda by identifying development
needs in consultation with the reporting manager and working towards
bridging the gaps through various means which go beyond just training
■ Understands the competencies relevant to his/her role, and works towards
displaying as well as developing these effectively
■ Keeps abreast of relevant professional/industry developments, new
techniques and current issues through continued education and professional
networks
■ Risk and Internal Control Responsibilities
■ Follows risk policy and processes to mitigate the operational, regulatory,
financial, informational, reputational and audit risks as instructed by the
departmental manager
■ Executes the established internal control systems and compiles relevant
information for departmental audits, as necessary.

Branch Operation Executive Ujjivan Small Finance Bank

05/2019 - 02/2021
■ Appraising proposals and disbursement of Housing Loan, Business Loan
inclusive of conducting risk analysis & scrutinizing relevant documents before
disbursing loans as per policy norms
■ Managing all post disbursement activities like PDC Management, Registrations,
Collateral
■ Management
■ EMI and Tenure Reschedulement of Loan Accounts in Finnacle based on
customer request
■ Managing the entire life cycle of the loan till closure of accounts
■ Efficiently managing all vendor empanelment and coordinating related
activities
■ Resolution of Audit queries

Branch Operation Executive HDB Financial Services Ltd

03/2018 - 03/2019
■ Appraising proposals for LAP, Personal loan, Business Loan and Gold Loan
inclusive of conducting risk analysis & scrutinizing relevant documents before
disbursing loans as per norms
■ Verifying and Processing Loan Applications, opening new loan accounts,
Booking Loans on the3 system
■ Franking of loan agreements as per the government notification
■ EMI and Tenure Re-schedule of Loan Accounts
■ Efficiently Handling all Post Disbursement docu- ments and Demand Drafts
■ Handling Banking of Post Dated cheque for various products on their
appropriate cycle date
■ Co-coordinating with Operating Agencies, reconciling the accounts of the
customers etc
■ Successfully administered customer services operations pertaining to
Consumer Loans including
■ LAP, Person Loan, Business Loan, Gold Loan Operations
■ Cash Management and coordination with the agencies
■ Efficiently handled closure of loan accounts, retrieval of original and proper
handover to cus- tomers
■ Supervision and Resolution of Concurrent, Internal and RBI Audit queries
■ Successfully coordinating for account closure and refunds
■ Efficiently coordinating with the vendor and users for requirements.

Deputy Manager Kotak Mahindra Bank

04/2015 - 08/2016
■ Ensured quality of user data by monitoring and tracking the volumes of work
and productivity of the team
■ Accomplished daily control functional checklist maintenance, enhancement of
productivity and minimizing the errors
■ Handled and managed escalations in the department
■ Monitored quality of customer documents and application forms, inward and
archival of CIF forms and CCOD creation
■ Assisted with KYC remediation projects and set up BAU operations
■ Responsible for day to day operations for KYC projects and client operations
management
■ Leveraged training opportunities to new joiners, providing feedbacks and
handling the team in absence of the managers
■ Facilitated account opening process, acted as a backup for all account
activation activities.

EDUCATION
M.com
IGNOU UNIVERSITY, Jul 2017

Post Graduate Diploma On Banking Management: Banking Management

Times Group - Hyderabad, 2015

B.com
Barthiar University, Jun 2012