Rajah Thilipkanth

Experience

• 

  DFCC Bank PLC

  Feb 2011 - Dec 2022

  Centralized Authorization of images in terms of all the corporate /personal accounts in the AWF system - No service level breaches or pending task retained during the standard SLAReduce rework & contribution given for process efficiency during the day to day work. - Reduce the work flow return count by advising and coordinating with branchesClient data authorization to the co-system with relevant documentary evidence - Relying on data accuracy depending on relevant and appropriate documentary evidence Handling branch inquiries related to account opening and deviations - Knowledge and the approaches given for sorting the concerns made by branches and the relevancyInvolvement in reviewing the physical flies received to the department which are pending in nature while in Compliance with internal procedures and guidelines - Number of mandates revived and processed for archival with zero non-compliance, No write offs or reputational damages due to errors, No audit comments,No violations of Operations and complianceActively involved in special tasks assign by the officer, time to time - Meet deadlinesSelf Development - 1) Involvement in bank's engagement initiatives 2) ensure training obtained 3) utilisation of annual leave, disciplinary issues 4) Development plansAdherence to Service Level Standards - (Department SLAs which are of relevance to the employee with defined measurements to be assigned Show less Handling Manual Entry Authorizations - Ensure that vouchers have been completed correctly. ( Co system and in putter data by FT number ) Verifying / Authorizing entries on Co banking system (manually) accurately adhering to the timelines pertaining to validating and accepting the entriesLeasing receipt reversals / Reconciliation of leasing suspense account - Verifying / Authorizing Leasing reversals accurately Submitting reconciliation reports to Management timely Monitoring daily reconciliation of leasing suspense accountHandling A/C to A/C uploads data entry process & preparation of rejected entries - Preparing & Monitoring of Upload schedules Transferring / uploading entries to Co system by converting the upload schedule to csv format Rechecking of batch upload summary Monitoring and retry reject entry for internal errors. Monitoring the submission of reconciliation reports timely Sharing rejected entries to entry initiator with reject reasonsActively involved in special tasks assign by the officer, time to time / Cover up duties for Account opening or other training needs - Properly handling assigned tasks as per the instructions given by supervisors Handling cover-up duties of CDD / DPS officer functionsBulk salary suspense reconciliation & reporting - Monitoring the Bulk salary GL reconciliation timely Reporting the reconciliation status as per the requirementsVoucher bundle re validating and monitoring Document archiving process - Checking Vouchers with the supportive transaction reports Re validation of vouchers Archiving voucher bundles without any delay Maintaining Registers and records pertaining to Voucher bundles Seal/ sign up voucher bundles as per the operational guide lines Show less 1.0 Monitoring of Channels profile creation and maintenance requests i.e. SMS, VeB, VVW & OB PCM profiles creation and maintenance requests & normal banking transactionBy supervising, monitoring & authorizing all Channel applications, maintenance requests and effecting the required modifications By assuring the quality and the accuracy of data captured on to the systemBy supervising, monitoring & authorizing activities related PCM profile creation and modificationsBy supervising, monitoring & authorizing applications, maintenance requests and effecting the required modifications By making sure that quality and the accuracy of data captured on to the system2.0 Supervising the routine Operations at the unitBy handling complaints received over the phone, by call centre(OTRS), OB e-care system(inbox+e-bankinginfo@dfccbank.com+customerservice@dfccbank.com) & Group Channels mail box.By coordinating with PCM department and supporting parties & liaising with Vendors By verifying the accuracy of transactions processed3.0 Audit, Compliance and Operational Risk By ensuring that audit ratings improve year on year; By adhering to all AML and compliance standards; by identifying operational risk areas and bringing them to the notice of supervisors Compliance with Operational and Technical Procedures and Improve ProceduresBy maintaining accurate records of all events pertaining to the unit & reporting statistics to the Supervisor when required4.0 Ensuring proper banking procedures are adopted, ensuring archiving takes place on time, identifying areas for improvementBy recognizing lapses in processes & identifying possibilities for improvement Show less 1.Authorize all types of transactions, balance cash (ATM and Counter) and ensure minimum customer turn around time-By processing all the counter transactions -By giving adequate training for tellers with regard to counter activities-Daily balancing of cash -Cash differences are identified on time 2.Check and authorize outward and inward clearing technical return cheques and adhere to cut off times related to clearing of cheques-By undertaking a thorough examination of outward cheques that has been scanned By reviewing the technical issues of the inward cheques3.Balancing and reconciling of suspense and General Ledger Accounts daily and submission of monthly returns -Report submission and signing off by the manager -Submission of the returns to Operations 4.Compliance with bank and regulatory policies, procedures and guidelines -Adhering to the branch operations manual and operational instructions -Adhering to the regulators instructions -Raising operational risk incident reports -Petty cash recording, payments and balancing -Adhering to account opening guidelines -Adhering to ATM/debit card, credit card, travelers card, e-banking, Stop Payment, Wallet, Standing orders guidelines 5.Maintenance of cash holdings within the limits of insurance cover granted to each branch -By not exceeding the approved insurance cover granted for cash holdings.-By obtaining necessary insurance covers for the excess cash holdings of the branch 6.Authorizing of pawning transactions-By ensuring that all signatories are on the pawning receipt prior to paying cash -Checking whether cash was received for redemptions 7.Maintaining and balancing of blank stocks and uncollected instruments (pay order, deposit certificates, cheque books, drafts, ATM/Debit/Credit/Travel cards, passbooks, etc)-Balancing of stocks 8.Monitoring SLP/ Branch Administrations and performance of branch front office staff Show less Ensure achievement of performance targets set by the Management.-By identifying and canvassing new clients , assessing their funding requirements and offering suitable credit packages-By increasing the existing client portfolio. -Introduce new avenues of other income and ensure timely collections. -By promoting various credit lines offered to the Bank to existing and potential customers. Ensure comprehensive evaluation of project loans, working capital loans, guarantees, leases, housing loans and other credit facilities provided by the Bank.-By procuring completed application forms from clients.-By analyzing all aspects of the credit facilities.-By obtaining CRIB reports and other relevant reports.-By making field visits.-By coordinating with Legal Officer/s for matters relating to legal aspects.-By obtaining valuation reports from panel valuer.-By preparing appraisal report with true and unbiased information and recommending for approval as per the DAImplementation and follow up of approved credit facilities to maintain a healthy portfolio. -By disbursing funds on time. -By regular client visits to ensure proper utilization of funds -By periodic reviews of existing credit facilities. -By ensuring timely repayment of credit facilities. -By periodic follow up on insurance renewals-By timely identification of the credit facilities which require Restructuring / rescheduling/ transfers to SLACompliance with Internal and Regulatory guidelines and procedures-By complying with the internal circulars and DA on credit operations.-By adhering to regulatory instructions. -By timely submission of required reports.-By proper maintenance of security lodgment register, temporary out register, insurance register, etc. -By proper monitoring of postdated cheque facilities.-Proper handling of pre-encoded PIN numbers Show less Ensure comprehensive, speedy and completion of the credit facilities.-By accurately capturing the required information to the system. -By following up with RM office and credit admin with regards to the status of the disbursements.-By ensuring that all the documentation has been accurately completed and are in compliant with the Banks guidelines-By ensuring that the security documents and other relevant documents have been lodged as per the Bank guidelines.-Insurance and mortgage bonds registers have been updated and active follow up is made until the bond is registered.Follow up on approved advances and maintain a healthy portfolio of advances-By periodic review/renewal of existing facilities-By ensuring that repayments are made on schedule-By updating the insurance register with changes and following up on insurance renewals-By updating the mortgage bond register with changes.-By closely monitoring the status of advances thereby identifying problem cases early -Sending reminder and warning letters on timely basis.-Preparation of monthly excess reports.-By preparing recovery advices accurately.-By preparing security leases accurately-By updating lease receipts accurately.-By balancing lease receipt suspense account.-Cancellation of mortgage bonds and updating the register.-By preparing and assisting BM on facility applications Preparing issuing ,maintaining and cancelling of Bank Guarantees.-By preparing the relevant applications and documents as per the bank templates-By seeking approval as per the DA-By preparing the disbursement and send to CA-By issuing the guarantee and collecting of bank charges -By updating the registers-By processing of guarantee claims -By cancelling of guarantee on submission of originals -By following up to obtain the expired guarantees Cross sell Bank products -By having a thorough knowledge of the bank’s product range.-By encouraging clients to invest in additional Bank products. Show less Ensure comprehensive, speedy and completion of the credit facilities.-By accurately capturing the required information to the system. -By ensuring that all the documentation has been accurately completed and are in compliant with the Banks guidelines-By ensuring that the security documents and other relevant documents have been lodged as per the Bank guidelines.Ensure comprehensive, speedy and completion of the Pawning advances.-By establishing the ownership of the articles to be pawned by interviewing the customer.-By establishing the genuiness of the articles to be pawned by carrying out the assessment of the articles-By ensuring that all the documentation has been accurately completed and are in compliant with the Banks guidelines-By accurately capturing the required information to the system.-By obtaining the necessary approvals as per the DA.-By preparing the necessary documentation for disbarments/releases.-By updating the register, balancing the articles and preparation of reports as per the guidelines.-By sending reminder letters on a timely basis. -By accurately marking, preparing and sending articles for auctions.-By monitoring and balancing the pawning suspense accounts.-By safe keeping the articles in line with the bank and CBSL regulationsAdhere to internal procedures and guidelines and comply to circular instructions-By obtaining necessary approvals before making payments/ disbursements-By releasing articles only on receiving of cash.-By complying to credit policy/instructions , pawning policy/ instructions issued by the Bank and regulatorsEnsure proper maintenance of registers and documents-By entering the correct figures to the system and maintain a proper manual record of all the relevant documents and registers wherever required.Cross sell Bank products-By having a thorough knowledge of the bank’s product range.-By encouraging clients to invest in additional Bank products Show less Timely dispatch of notices, letters, advices, statements, CRNs etc. to customers.-By sending renewal notices and other time critical notices -By ensuring that notifications are sent to the correct customer.Handling inquiries/,complaints and feedback of internal and external customers.-By following up customer complaint resolutions with central departments.-By following up completion of customer requests with central departments.-Coordinate customer service programs for the branch.-By providing required information to central departments.-By maintaining a close business relationship with HNWI to manage their liability portfolios Show less Ensure to canvass new business and cross sell to existing customers calling over at the counters -By having a thorough knowledge of the Bank’s product range -Looking for every opportunity to encourage clients to transact in additional Bank productsAssist to reconcile the suspense and other GL accounts of the branch -By checking for supportive documents to verify the balance in the accounts-By preparing supporting reports in a methodical and accurate manner..Ensure proper maintenance of registers of documents, blank/uncollected stocks -By entering the correct information to the relevant registers -By ensuring that the necessary signatories have signed the updates.. Show less Ensure efficient handling of cash and other instruments to avoid shortages / excesses and ensure minimum customer turnaround time-By maintaining the required cash and balancing currency, coins in cash drawers, deposit/withdrawal slips and cheques at the end of each day-By entering customer transactions into the system accurately-By paying and receiving cash accurately-By reviewing customer instructions before entering in to the system.-By posting, balancing and scanning of Outward Clearing cheques.Adhere to internal procedures and guidelines and comply to circular/customer instructions-By performing transactions as per the guidelines issued by the Bank -By obtaining necessary approvals for any exceptions. -Proper maintenance of registers-Balancing of vouchers and signing off the reports.-By reviewing customer instructions before entering in to the system.To process account opening, closing as per guidelines.-By ensuring that the mandates are accurately completed and obtaining supporting documents.-By entering the correct details to the system for new accounts. -By entering the correct details for account closures and processing transactions accurately. 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  • Junior Executive - Central Operations

    Mar 2022 - Dec 2022

  • Junior Executive - Central Processing

    Dec 2021 - Apr 2022

  • Junior Executive - Branch Operations - Channels & Central services

    Oct 2021 - Nov 2021

  • Officer In Charge

    Nov 2017 - Oct 2021

  • Junior Executive - Credit

    Aug 2017 - Nov 2017

  • Senior Credit Assistant

    Oct 2015 - Sept 2017

  • Pawning Officer

    Feb 2015 - Oct 2015

  • Senior Banking Assistant

    Jan 2015 - Feb 2015

  • Banking Assistant

    Feb 2012 - Jan 2015

  • Trainee

    Feb 2011 - Feb 2012
• 

  National Development Bank PLC (NDB)

  Jan 2023 - Oct 2023

  Credit Officer

  Impart wisdom and drive business to the branch's SME-S division from a specific branch. Realize the projected amounts of assets, liabilities, and income for the year. Manage the branch's operational credit requirements for any sporadic needs involving SME-S and SME-Middle Market clients.• Business Plan & Operations Plano To comprehend the strategy, business plan, and operations plan pertaining to SME's, in terms of segment mix, portfolio mix, and other such elements that will assist in achieving the targets.• Policy, Process, Procedures, SLAs & Guidelineso Ought to be knowledgeable about the relevant policies, processes, and rules that would aid in executing the company and operations plan.• Market Mapping & Developmento To periodically map all customer segments & business opportunity that hold potential for SMEs in the assigned Branches.• Business Developmento Acquisition of new customers to grow the portfolio generate fee income, generate NI income and maintain products mix during the year as per the target assigned• Data Management, Document Management & Controlo Ensuring adequate controls so that all documentation needs for each sale/query is duly gathered and submitted on time to relevant people• Internal Controlo To establish a robust internal control environment that is periodically reviewed & strengthened, through self-audits, periodic checks and such others, as per policy• Risk Managemento To provide inputs and adhere to the integrated risk management framework that protects the bank from all forms of risk-credit risk, operating risk, project risk, reputation risk and such others that would be applicable• Regulatory Complianceo Champion and maintain zero-tolerance with respect to adherence to all current and upcoming regulatory requirement including KYC and AML• Internal Audit/External Audit• Customer Satisfaction• Management Information System• People Leadership & Training Show less

• 

  Pan Asia Banking Corporation PLC

  May 2024 - now

  • Ensure that the branch staff are ready to serve the customers at opening time • Ensure that dual control requirement are not compromised (Safes/Vaults/ATM/Voucher bundles)• Ensure that duplicate keys of safes and vaults are lodged in another bank or branch as the case may be and change key as per prevailing frequency and maintain proper records• Ensure smooth conduct of cash management including foreign currency and ATM operations, balancing and insurance requirements• Authorizing of inward clearing, cheque payments, transfer cheques, Pay orders outward/inward clearing, stop payments, foreign currency payments, slips, CEFTS RTGS and account opening• Auditing of vouchers and timely dispatch of voucher bundles• Auditing of main cash register and teller sheets on daily basis• Monitoring of e-forms and dispatch to CBSL• Managing staff leave records• Closely monitor customer service provided by the operations staff and intervene where necessary and sort out issue in a professional manner. Elderly and disabled to be given priority at all times• Ensure that customer notices / Information / Stationary is prominently displayed / available in the banking area • Communicating effectively and resolving customer issues (Letters/Phone/E-mails)• Ensure that KYC, AML and FIU requirements are not violated and CBSL reporting is carried out where necessary.• Submitting of monthly reports to OPS/IAD/Comp on timely basis• Checking and lodging of pawning articles.• Performing pre-audits on a frequent basis in order to ensure compliance to bank circular instructions• Ensure archiving documents beyond the retention period are destroyed as per instructions • Coordinating branch campaigns in order to canvass new business • Assisting Branch Manager to manage branch costs effectively including overtimes.• Coordinate with reginal office and head office and ensure smooth operations in the Branch in the absence of the Branch Manager• Checking and lodging of pawning articles. Show less -Be fully aware of the product range offered by the Bank to its customers and ensure that the branch staff too are fully conversant-Be fully conversant with the Bank circular instructions, regulators instructions, compliance issues, internal policies** and ensure that branch staff are updated on a regular basis by conducting in house training sessions and staff meetings (** KYC / Dual control /Cash Management / System verifications / Documentation / Risk Mitigation )-Plan and oversee the sales and marketing, operations and business development within the branch, including profits and productivity and expanding the branch sales and service culture-Be fully aware of the KPIs assigned to the branch and its status of achievement at any given time ( Deposits/Advances/NPA/NII/IIS/CASA /Cost to Income /Profit )-Setting individual KPIs for branch staff, following up on progress, appreciating achievers at staff meetings and encouraging non-achievers to work hard-Conduct daily revenue and operational assessments and monitor all transactions made in the business-Assigning system access responsibilities to branch staff as per internal guidelines-Minimizing errors and ensuring zero tolerance in the case of frauds-Managing branch costs and arriving at realistic figures when preparing the annual budget for daily expenses of the business branch-Closely monitoring general ledger accounts-Ensure that excesses granted have been informed to Area Manager and approval obtained-Ensure that where ever the Managers authorization / supervision is required on documents such as vault access register, key transfer, security in/out register is available-Ensuring staff discipline and harmony in the branch-Ensure that the performance of the staff assigned to the branch are evaluated regularly and they are trained, motivated and guided in order to increase productivity to maximize benefits to the Branch-Performing any other tasks related to business management whenever required Show less

  • Assistant Branch Manager

    Oct 2023 - now

  • Acting Branch Manager

    May 2024 - Oct 2024