Shashi Kant M.

Experience

• 

  Punjab National Bank

  Jun 2019 - Jun 2023

  > Facilitated 566 branches from southern and western India, bringing down tab banking account rejection rates from 12% to 4.5% with teamwork> Reduced the Turn Around Time for saving account opening to a maximum T+1 day> Optimized process and imparted training for Video KYC account opening for saving accounts and Video KYC for credit card> Responsible for compliance with KYC guidelines of the Bank and statutory regulations while opening an account. Show less During Covid recommended and disbursed Kisan Tatkal Rin proactively by informing eligible customers of its benefits. Disbursement was made same day as receiving of application.Restructuring of home and education loans during covid.Monitoring over 2000 KCC accounts along with other loan accounts on regular basis to identify irregularity - follow up and guiding customers to get benefit of interest subvention by timely renewalCKC of accountsSpecified Person for Life InsuranceFollow up calls , field visits and efficient utilisation of branch team lead to decrease in NPA by over 50 percent. Show less > Overlooked routine financial( cash management, Fixed Deposits, loan processing, cheque clearing etc) and nonfinancial work(NEFT, RTGS, Alerts, Standing Instruction, debit card etc) of branch being Hall In-charge. > Ensured increased efficiency in counters so customers get faster service and reduced queuing time by 30 %> Promoted financial and digital literacy in remote areas, being a digital ambassador of the branch.> Recommended fresh loans and enhancement of KCC loan - Kisan Credit Card based on cropping pattern, land eligibility after conducting pre-sanction visits > Monitored portfolio of 2100+ KCC accounts monitoring regularly to check and avoid slippage to NPA by reaching out to customers and explaining the benefit of interest subvention due to timely renewal> Recommended -Housing loan, mortgage loan, vehicle(personal and commercial), education loan, loan against KVP, NSC, personal loan, pension loan, > Recommended MSME loans - Mudra, PMEGP, GECL after studying the techno-business viability of product- being part of customers' journey towards self-reliance.> Top performance in opening saving accounts and PPF, SSA accounts in my Circle consisting of 80 branches during relevant campaigns by turning the hindrance of being situated in a remote rural location into an opportunity for teamwork.> Exercised discretion and broke the debt cycle of 63 customers facing high interest rates from moneylenders> Dismantled nexus of intermediaries by direct customer engagement, averting an estimated loss of ₹18 million Show less

  • Manager

    Apr 2022 - Jun 2023

  • Deputy Manager

    Aug 2021 - Mar 2022

  • Management Trainee

    Jun 2019 - Jul 2021