Rishav Raj

Manager @Jana Small Finance Bank

KarolBagh, IN

Branch Operations ManagerA. Assets Operations -1. Hand-on experience in the banking sector with a strong focus on loan servicing and customer retention.2. Expertise in processing foreclosure statements, GL collections, CBS account closures, NOCs, SOAs, property document retrieval, and handling excess refunds.3. Skilled in managing and developing loan portfolios, including MSE (Micro & Small Enterprises), AHL (Affordable Housing Loans), and MHL (Mortgage Home Loans).4. Proficient in handling balance transfers (BT), top-up loans, and CCOD (Cash Credit Overdraft) limits.5. Focused on delivering Customer First Service Excellence, ensuring high levels of satisfaction and loyalty.6. Adept at ensuring compliance with banking regulations while improving process efficiency and service quality.B. Liabilities Operations-1. Handled CFOS BOLT CASA, FD & RD account opening queries and resolutions from CPC & PBO within defined TAT, including submission and processing of forms like 15G and 15H.2. Managed customer service operations using CRM Next, Oracle Flexcube, and Helpdesk Software, ensuring timely resolution of account-related issues.3. Acted as custodian of branch documents and forms, ensuring accurate and efficient record management practices.4. Oversaw banking transactions and cheque clearing processes using VSoft systems.5. Delivered high-quality branch banking services, including cash handling, customer satisfaction, revenue generation, cross-selling, and promotion of third-party products.6. Supervised branch staffing, team counseling, and performance management, ensuring operational compliance and efficiency.7. Monitored teller and platform functions, managed daily branch operations, and ensured regulatory compliance.8. Responded to monthly audits and exposure reports, with strong focus on cash and security protocols.9. Successfully handled gold loan customer onboarding and disbursement processes with precision and adherence to guidelines.

Sri Guru Gobind Singh College, Patna

Bachelor of Commerce - BCom

Birla Institute of Technology, Mesra

Master of Business Administration - MBA