Rashmi Sinku

Experienced financial professional with a strong background in risk assessment, credit analysis, and client relations. Proven track record of facilitating approval processes, ensuring compliance with banking regulations, and maintaining accurate records. Highly organized and detail-oriented, with excellent communication skills and the ability to adapt to changing environments.

August 2021 - October 2022
KYC/CDD & Credit Risk Analyst in Home Loan State Bank of India, Mumbai, India

• Conducted comprehensive client identification and verification by gathering and processing legal and financial documents and information.
• Analyzed and evaluated KYC information for business banking clients, ensuring compliance with internal policies and regulatory requirements.
• Maintained and improved the accuracy and completeness of the system of record, overseeing the collection and retention of data.
• Evaluated borrowers' creditworthiness based on income documents and information provided by them.
• Validated customers' businesses and legitimacy, analyzing any transactions that appeared unusual based on the customer's profile.
• Gathered required documents and data, ensuring compliance with anti-money laundering policies and guidelines.
• Documented research and analysis conducted, including risk determination in compliance with KYC standards.
• Analyzed property documents and valuations to ensure legal validity, based on reports from empanelled advocates and valuer.
• Processed loan applications in line with the bank's credit policy and ensured compliance with banking regulations.
• Maintained a TAT of T+3 in processing home loan files and completed home loan documentation and mortgage processes.

• Major Contributions- Part of the team to be in top three loan processing cell in Mumbai metro circle, major Contribution in increasing the home loans disbursement by 35%, nil non-performing assets out of the total loans processed by me

July 2020 - August 2021
Assistant Manager- CRM Nodal Officer, Home Loan Counsellor Coordinator & SME Marketing Executive State Bank of India, Mumbai, India 

Customer Relationship Management (CRM) Nodal Officer

• Identifying Customer's needs and ensuring lead conversion
• Mitigating escalated customer issues
• Coordinating with branches to meet customer's demands
• Ensure timely, accurate and satisfactory solutions are provided to the branches

House Loans: Home Loan Counsellor Coordinator

• Accomplishments of home loans business of Rs. 30.00 Cr every month
• Coordinating with all home loan counsellors
• Analyzing the financial status of the borrower to determine the eligible loan amount
• Ensuring timely conversion of home loans.

SME MARKETING EXECUTIVE

• Generating new business leads.
• Promoting MSME Customers for small business loans
• Coordinating with the assessment and sanctioning team for sanction of the business loans

Major Contributions- Timely conversion of loans and resolving customer issues, building strong relationships with the existing and new MSME customers,

increase in number of shares of loans availed by the MSME customers

December 2017 - July 2020
KYC/CDD & Credit Risk Analyst in SME Credit State Bank of India, Mumbai, India 

• Conducted due diligence on customer accounts, including EDD/CDD/Compliance, as part of client onboarding process.
• Identified high-risk borrowers by analyzing information from outsourced agencies and branches, and implemented enhanced due diligence and monitoring efforts accordingly.
• Managed a credit portfolio of Rs. 210.00 Crores for corporate clients, and implemented credit rating for these clients.
• Analyzed and appraised Fund Based (FB)/Non-Fund Based (NFB) Proposals, and evaluated creditworthiness and risks involved.
• Calculated various financial ratios to ensure they were in line with bank policies and hurdle rates.
• Assigned risk ratings for all clients using an internal rating model.
• Worked with Relationship Manager on new client onboarding, underwriting, credit reviews, and annual renewals of existing credit facilities.
• Monitored and mitigated major and critical risk issues.
• Completed loan documentation and mortgage.
• Built strong relationships with existing and new SME customers.
• Supported Relationship Manager in identifying new business opportunities and prospecting target clients.

• Major Contributions- Increase in share of credit portfolio to 40%, funded startups like Zoomcar, Bewakoof Brands Ltd., Paix Technology Pvt Ltd.

May 2015 – Dec 2017
Probationary Officer State Bank of Patiala now State Bank of India  | Bhubaneswar, Baramati & Mumbai 

• Generating new business leads and ensuring lead conversion
• Meeting customers' demands on time
• Resolving customers' issues
• Major Contributions- Timely conversion of loans and resolving customer issues, building strong relationships with the existing and new customers

May 2013 - April 2015
Technical Expert Gujarat State Watershed Mgmt. Development Agency | Navsari 

• Preparing strategic and annual action plans for watershed development projects and executing in Navsari district
• Providing support to Project Implementing Agencies (PIAs) in planning and execution of watershed development projects
• Carrying out regular monitoring and evaluation
• Training & Team Management- Developing action plans for capacity building with close involvement of resource organizations to execute the capacity building action plans, facilitating Co-ordination with different organizations with Watershed Development projects for enhancement of productivity and livelihood
• Major Contributions- Increase in Livelihood of villagers residing in interior areas of Navsari district, Increased women participation through forming Self Help Groups (SHGs)

April 2011 - June 2011
Intern United Nation Development Program | Pune, India 

• Develop brochures for the completed projects
• Develop Business Plan for the one of the farmers producers company named “Baliraja Farmers Producers Company” based in Ahmednagar District

2013

Post Graduate Diploma in Forest Management 

• Indian Institute of Forest Management, Bhopal- [Development] Graduate

2010

Bachelor in Business Administration

Balaji College of Arts, Science, Pune, India - [Finance] Graduate