Kuldeep Singh

Experience

• 

  State Bank of India

  Jan 2009 - Aug 2022

  • Perform in-depth analysis of present and past business performance of the branches to develop and present key takeaways to the senior management for strategic decision-making in areas of General Banking and compliance• Worked as Credit Support Officer for SME and individual clients, responsible for assessment and sanction of loan proposals• Sourced and processed Home and Auto loans to Salaried and Business customers• Promote the adoption and usage of digital channel platform among retail banking users by demonstrating the key benefits of various features and conveniences• Coordinate and manage mutually beneficial relationships with elite and high-profile customers from diverse fields, and identify new business growth opportunities • Lead the customer service teams in recommending new and/or enhanced product offerings to customers to fulfil their financial requirement and achieve a better wallet share through effective implementation• Mentoring newly recruited officers and clerical staff before they are posted in branches.• Appointed as a Rajbhasha (official language) Officer for official translations and correspondence in Hindi.• Analysis of frauds related to ATM card cloning, siphoning of funds in large value advances and reporting it to senior management and regulators.• Improve customer satisfaction and loyalty by assessing feedback via different customer touch-points and initiate service improvement measures Show less • Grew and consolidated relationships with new customers/existing ones by identifying their financial needs, cross-selling products and providing customized solutions• Credit support officer for analysis and processing of MSME loan proposals upto US$ 500,000 at SME Centers of Bank.• Accountable for processing Account opening forms (Retail and SME) at Liability Centralized Processing Centre (LCPC) for Due Diligence process, AML/CTF policies and ensuring error free account opening for customers and branch• Analyzed and exercised due diligence for large financial transactions and while dealing with high-risk/high net worth customers, as part of audit and compliance procedures• Responded to/resolved issues of customers by performing root cause analysis and sensitizing the staff about delivering outstanding service• Mentor and coach for the newly recruited clerical staff to align them for frontline roles.• Allocation of annual business and expense budget to 30 branches of the city and bi-monthly review of the performance Show less • Reduced customer complaints through an effective monitoring and grievance redressal mechanism ensuring better customer satisfaction• Analyzed and reported transactions-related frauds in Personal and SME segments to Reserve Bank of India (RBI)• Account opening for walk-in customers and government departments with full and meticulous KYC compliance and educating customers about importance of KYC• Worked closely with the rural population, village councils (Gram Panchayats), Programme officers of the Mahatma Gandhi National Rural Employment Guarantee Act, and village level health workers (Asha Bahus) to promote and sustain financial growth• Educated the key stakeholders (farmers, self-help groups, NGOs) involved through camps, audio-visual aids, and use of mobile technology• Cash handling and distribution (receipts and payments) to customers across the counter as a Single Window Operator (SWO) Show less

  • Deputy Manager

    Sept 2016 - Aug 2022

  • Assistant Manager

    Jan 2012 - Aug 2016

  • Customer Relationship Associate

    Jan 2009 - Dec 2011
• 

  Ardent Lending Co

  Sept 2022 - Jan 2024

  Para Broker

  • Review needs analysis for clients, research lender policies and complete serviceability assessments• Analysis of financial statements for self-employed borrowers• Prepare funding positions, scenario comparisons and product proposals for review• Complete income assessment for salaried and self-employed applicants• Complete serviceability assessments and pricing• Facilitate rapid approvals with the banks• Liaising with the lender and client throughout the application • Foster and maintain key relationships with referral partners and bank BDMs• Assist with client queries and communicate with key stakeholders (lenders, real estate agents, solicitors/conveyancers, and accountants) Show less

• 

  Arch Migration & Education Services

  Aug 2023 - now

  Case Manager

  Providing consultation to those who are looking forward to migrate to Australia, for all types of visa options and Permanent Residency in Australia under the expert guidance of MARA registered immigration agent.

• 

  Aussie Expat Home Loans

  Jan 2024 - now

  Client Services Manager

  - Managing a team of para-brokers and broker assistants for efficient workflow- Helping to grow and train this team over time through effective leadership and continuous support- Assist the team with responses to banks and queries on deals as they progress- Reporting to the CEO and assisting in team performance management and well as reporting on compliance requirements- Facilitate staff training and build resources for smoother transitions- Ensuring that loan submission quality of the deal writers is at the highest possible standards- Providing administrative support as and where required- Automating the loan writing process though Fintech platforms like BrokerEngine, Monday and other AI tools Show less