VIDYA SAGAR VOLETI

Mobile: (US) +* -408-***-**** (India) +91-903******* E-Mail: adx7q3@r.postjobfree.com Job Objective

Seeking assignments as Branch Head, with a reputed financial sector firm preferably in Retail banking domain. Profile Summary

Offering more than 30 years of experience in Branch Operations, Retail and SME Credit Analysis, Retail and SME Credit Appraisals. Due diligence, KYC Verification,Compliance with regulatory requirements and Client Servicing Skilled at appraising Retail and SME credit proposals & scrutinizing relevant documents before sanctioning, ensuring compliance with organizational credit policies

Proficient in credit administration functions entailing credit appraisals, verification of documents, sanction & disbursement of loans, delinquency analysis and providing decision for sanction and disbursement Resourceful at maintaining relationships with clients to achieve quality product & service norms by resolving their critical issues for mutual benefit of the institution and the client. Competent in streamlining & improving existing systems / processes, envisioning new methodologies and future trends An effective communicator with good presentation skills and abilities in forging long term business partnerships Monitoring of Special mention accounts and stressed assets, restructuring proposals wherever necessary. Effective Team Leader with three decades of experience of handling a Team. Core Competencies

Credit Administration

Monitoring securitized portfolio transactions, tracking pre and post disbursement and monitoring accounts for banking products

Analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending Credit Assessments / Approval

Performing the functions of assessing creditworthiness of clients and taking adequate steps to ensure receipt of payments and recovery of overdues

Involved in analyzing the competitive ecosystem and prevalent industry trend, and conducting SWOT analysis of business entity

Credit Disbursal / Operations

Presenting for final sanction of credit proposal to the respective committee by suggesting options/ justifications that mitigate specific weaknesses/risks of the proposal Conducting due diligence of post sanction covenants, ensuring security creation & compliance with terms of sanction. Client Servicing

Identifying and networking with prospective clients, generating business from existing accounts & personal network for achieving profitability

Developing new streams for revenue growth and maintaining relationship with customer to achieve repeat / referral business

Branch Administration/Budget Planning

Effective handling of the branch and ensuring 360-degree growth. Planning Budget and efficiently achieving the growth. Handling Statutory Audits/Internal Audits efficiently. Planning & Implementing BCP/DRP of the branch.

Ensuring KYC due diligence, compliance with Organisation and regulatory expectations and Periodic KYC Review. Complying with Internal & statutory Compliance.

Employment Details

2019 TO TILL DATE: Audit, Compliance Role

I was identified to assist our retail branches in one of the regional clusters in mitigating Operational risk, coordinate with Audit teams in identifying loopholes in the branch operations, credit and ensure compliance with regulatory expectations. I assisted a total of 50 branches in this role. I understand the risk profiling of the branches and the lacunae in our operations. I ensured that these lacunae are plugged immediately, and which resulted in better audit scores for these branches.

Overall, this role helped in reducing the risk for the bank within the cluster. The major risks involved are complying with account opening standards, identifying Risk profiles of clients at the time of onboarding into Low, OHR etc. I have also ensured that the documentation at the time of account opening viz., Valid Documents are obtained, verified and held on record for future verification. 2009-19 State Bank Of India, as Branch Manager, Deputy Manager (Advances) Handle term loan, Working Capital and asset backed funding proposals of medium and large companies. Handled all types of Personal Segment loans ranging from Mortgage loans to personal salary based loans. Monitoring a team and establishing a control framework to ensure quality deliverables. Credit Facilities are prepared and approved in compliance with established policies. Preparing and reviewing credit policies at regular intervals and proposing amendment in credit policy to management on the basis of considering market conditions at micro levels. Ensuring smooth running of day to day business activities . Ensuring Compliance with respect to Organization and Statutory Norms. Effective query/Complaint management of Customers. Timely and prompt submission of all the relevant reports and data to the Controllers. Ensuring KYC & FATCA compliance of all the accounts. Highlights:

Part of the team which handled stressed accounts and restructured accounts for Hyderabad, Telangana, India Implemented the internal scoring system for minimizing the risk Highest growth in Retail segment Advances in Network 3 in Hyderabad cluster for the last 3 years Highest Housing Loan Growth During Gruhatara Contest 2015-16 and 2016-17. Carried out the customer service meetings to resolve the grievances and increase the customer satisfaction level Successfully Headed a Mid-size Branch of more than 10000 customers . Highest Contributor in Mutual Funds

Highest SBI life insurance premium mobilized and consecutively 3 years MDRT status 2014-15,2015-16,2016-17. Jan 2006 to 2009 Deputy Manager( Operations) Hi-Tech City Branch, Hyderabad ROLES AND RESPONSIBILITIES

Handled portfolio of 500 HNI Clients who are mostly US residents with extended families in Andhra Pradesh/telangana, India, with size of Rs 300 crores (close to USD75 Mio at that time) book value One to one point contact for HNI CLIENT services Retention of customers with bank for long term relationship Providing investment strategy and portfolio management solutions. Acquiring Premier Accounts both in Savings and Current Account Handled Demat and Trading operations

Hands of Experience in Banking Operations(NEFT,RTGS,Demand Draft,Fund Transfer,Payment Hub) Handled internal audit in KYC regularities and improvement in error free Highest contributor in mutual fund sales, sbi life premium collections. Topping in Hyderabad Circle third position in the revenue in the category of front desk officers for the financial year 2006- 2009

Consistent performing employee in the terms of salary savings and current account opening for the branch value One to one point contact Operations(Neft,Rtgs,Demand Draft,Fund Transfer,Payment Hub) Team member for getting Branch as Chairman club member during 2006-07 - ONE OF THE BEST PERFORMING BRANCH AMONST 900 BRANCHES IN THE COMBINED STATE OF ANDHRA PRADESH, INDIA. Mar 1988 to Dec 2005 Worked as Computer operator, Senior Assistant Education

B.Com from Andhra University in 1991

Certifications

AMFI Certified Person

SPECIFIED PERSON IN GENERAL INSURANCE

CIF IN LIFE INSURANCE

Certificate in KYC-AML from IIBF

IT Skills

Well versed with Windows, MS Office

Proficient in HTML

Personal Details

Date of Birth:1st Aug 1965

Languages Known:English, Hindi,Tamil and Telugu

Address: D no 3-31, Vaikuntapuram,M R Palli,TIRUPATI,A.P

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