Summary
Overview
Work History
Education
Skills
Custom
Languages
Certification
References
Timeline
Generic
RASIKA PEIRIS

RASIKA PEIRIS

SHARJAH,UAE

Summary

Dynamic Credit and Relationship Manager holding 16+ years of experience in Credit, Relationship Management Branch operations & compliance. Builds customer retention with a comprehensive engagement strategy. Plans and budgets to hit revenue targets through a satisfied client portfolio.

Overview

17
17
years of professional experience
3
3
years of post-secondary education
1
1
Certification

Work History

Manager - Credit card acquisitions

GO Finance LLC
Dubai, UAE
05.2024 - Current
  • Achieve provided Volume targets within the provided timeline without fail


  • Handle overall compliance requirements based on banks' processes and guidelines
  • Relationship management with new Client portfolios for cross-selling initiatives.
  • Process initial Client requests for Credit evaluation process and follow up until disbursements of credit card facilities.
  • Establish a new client-acquiring process, including initiating KIOSK activities, selection/staff segregation on the banks' behalf, and coordinating with relevant parties to achieve set targets without fail.
  • Maintained routine communication with clients to assess overall satisfaction, resolve complaints, and promote new offerings.
  • Oversaw business staffing and training, building a successful, customer-focused team.
  • Generated leads to bring in new client revenue and improve bottom-line profitability.
  • Identified opportunities to drive business growth, diversification, and expansion.
  • Analyzed sales reports to identify trends and update strategies.
  • Designed strategy to win new business and maximize selling opportunities among existing clients, achieving lucrative results.
  • Managed a team of 15 staff, driving performance with motivational strategies to exceed sales targets / Compliance requirements of 60 Staffs

Manager - Personal Loan Operations / Credit

Mycon Marketing Management LLC
Dubai, United Arab of Emirates
09.2023 - 04.2024
  • Generated leads to bring in new client revenue and improve bottom-line profitability.
  • New Acquiring for Personal Loan Processing for Mashreq / Commercial Bank Of Dubai.
  • Handle entire personal loan contact point for 40 staff in operations and sales.
  • Developed marketing plans to support department strategies / Credit control and evaluations of existing loan portfolios pertaining to Mycon Marketing Management LLC
  • Identified opportunities to drive business growth and Senior Management presentations for relevant forecasts..

Branch Manager

Pan Asia Banking Corporation PLC
Kaduruwela, Sri Lanka
06.2022 - 09.2023
  • Achieve set business targets for Retail assets & liabilities.
  • Assets including structured, SME & Corporate business.
  • Establish proper controls and monitor daily transactions for KYC, anti-money laundering, Compass entries for client classifications & communicate with the compliance department for all client movements with related LKR & FCY transactions & Mandate control of the branch
  • Establish and maintain proper risk controls in the branch for excess management, recovery, and monitor bucket movements and regular all facilities and initiate recovery actions
  • Maintain appropriate NPA and collective impairment ratio and achieve set profit target on a monthly basis
  • Canvass SME facilities and maintain all credit and credit-related operations in the branch & monitor SME behavior, and risk controls, and coordinate all compliance-related affairs with the compliance department
  • Maintain high-risk client portfolio and monitor all related transactions, PEP monitoring, KYC updation with Compliance and branch operations
  • Maintain all operational and credit operations with the risk department and maintain all client base interest rates/disbursement conditions accordingly to approve conditions and maintain KYC
  • Control and monitor all branch staff-related affairs, motivate and educate of operational affairs and personal grooming to perform duties accordingly to bank set goals and expectations
  • Monitor SME / Retail advance Client base and proceeds for new lending proposals / Restructuring repayment plans and timely renewals of all facilities
  • Monitor and set guidelines for all Branch-related administration and Operational workflows and ascertain to proceed with uninterrupted service for clients.
  • Oversaw all aspects of branch management, including sales, revenue, and policy enforcement.
  • Resolved customer complaints quickly and professionally to maintain satisfaction.
  • Built and nurtured customer relationships to retain business and loyalty.

Assistant Manager , Credit & Branch Operations

Pan Asia Banking Corporation PLC
01.2020 - 06.2022
  • In charge of all Credit & operational related affairs in the Branch & direct relationship with the branch operations, Cluster credit department & Internal audit Dept & mandate control of the branch.
  • Regularly update compliance details of the entire branch portfolio of pawning, CASA, FD, Leasing, Safe locker users, SME Client base & all retail advance clients
  • Maintain high-risk client base, Monitor & revise KYC of branch portfolio with every 06 months
  • Provide periodic reports to the risk department and maintain risk controls in the branch
  • Assist Branch Manager in achieving set Target on a monthly basis on all Retail & SME/ Leasing segment
  • Administrative controller of the branch maintenance with Admin / IT Dept & maintain superlative working order of the branch
  • Contributed to achieve 500 MN Portfolio development for 06 Months Under Sammana Segment - Pension Scheme of PABC
  • Arrange Promotional Campaigns for All Retail & SME products.

Manager - Credit/Sales - Central Region

Pan Asia Banking Corporation PLC
06.2017 - 01.2020
  • Establish Central Region Sales Unit for Assets Sales along with Structured Lending & Overview 11 branches under the Region (Badulla, Bandarawela, Gampola, Hatton, Kandy, KCC, Kundasale, Katugastota, Matale, Pilimathalawa, Kurunegala)
  • All Administrative perspectives & Operational Perspectives related to Operations / Sales Team - Central Region
  • Handle all Central region 14 branches Cards & Consumer loans client's Initial Credit evaluations , compliance, AML, KYC update for high-risk clients, daily transactions, Political expose clients updating with compliance department and maintain client base update with daily transactions
  • Acquire Quality Client base for Structured Lending / CASA /FD
  • Arrange MEGA Promotions on each Quarter for Aggressively Canvass Structured Lending & Liability Products
  • Established Appreciation / Reward Schemes for Employee Recognition of Sales Team - Central Region.

Executive - Leasing Credit / Sales

Pan Asia Banking Corporation PLC
07.2014 - 06.2017
  • Acquire Quality Customers to meet monthly targets to Branch Leasing portfolio
  • Maintain Superlative relationship with existing customers & coordinate current requests
  • Check business compliance and update KYC, Monitor client business behaviors and facility structuring for repayment systems
  • Maintain Low NPA Ratio & Handle Recovery issues, compliance officer for entire leasing portfolio - Kandy branch
  • Arrange promotions based on seasons to enhance Product awareness to the public
  • Handle all Branch Leasing Operations & Leasing Documentation
  • Executive, Leasing- Kandy / Katugasthota / KCC / Pilimathalawa.

Branch Manager, General Unit

Union Assurance PLC
03.2013 - 07.2014
  • I was responsible to achieve overall Branch business volume generation & Branch new recruitments
  • Maintain superlative customer service for both new & existing customer base
  • Acquire new business based on monthly target for both volumes & recruitment targets
  • Drive individuals to achieve particular stipulated target given by the management & monitoring & supporting whenever needed
  • Maintain relationship with Leasing & Bank clients & continuously maintain expected business growth
  • Arrange Town promotions, Campaign according to Monthly business promotion plan
  • Provide monthly business plan & business projection reports to senior Management
  • Attend Monthly BM meetings to provide branch level business achievements & present to senior management
  • Maintain monthly credit business out standings & initiate necessary steps for mitigate risks & grow profitability
  • Monitor client compliance on general insurance business, Tax payments & handle tax returns based on client compliance, KYC and client source of funds changes for insurance returns
  • Monitor Cash books, Petty cash ledgers & check underwriting files.

Assistant Manager

Softlogic Finance PLC
03.2012 - 03.2013
  • Acquire quality customers for Fixed deposit clients
  • Maintain superlative customer service with FD clients
  • Arrange necessary promotional campaign for awareness and deposit attraction.

Senior Banking Assistant

Nations Trust Bank PLC
06.2007 - 03.2012
  • Maintain superlative customer service with Business Banking Clients
  • Acquire new clients for Business Banking category
  • Upgrade and downgrade customers depending on their A/C performances
  • Co-ordinate all account excess with Branch Manager
  • Opening LC/DA/DP for Trading clients and co-ordinate with relevant departments
  • Issuing Bank Guarantees / Bonds and Shipping Guarantees
  • Handle all regular Banking transactions for Business Banking Clients
  • Arrange relevant promotional campaigns to achieve management forecasts
  • Cluster Leader for - Kandy, Kiribathgoda, Peradeniya, Kadawatha, Kurunegala, Anuradhapura, Gampaha.

Education

Master of Business Administration - Business Administration

London Metropolitan University
United Kingdom
09.2019 - 08.2021

Diploma - Credit Management

Institute of Banking in Sri Lanka
Sri Lanka
06.2015 - 02.2016

Skills



  • Credit evaluation & structuring
  • Pre & post credit monitoring
  • Remedial planing
  • Relationship Management
  • Business planning & executions
  • Client communication
  • Asset Management
  • Data Analytics
  • Process Improvement
  • People Management

Custom

Note - Non related references could be provide upon request.

Languages

English
Fluent
Hindi
Beginner

Certification

Insurance Certification for General / Life - Sri Lanka

Foreign Currency /Trading - Institute of Bankers of Sri Lanka

References

References available upon request.

Timeline

Manager - Credit card acquisitions

GO Finance LLC
05.2024 - Current

Manager - Personal Loan Operations / Credit

Mycon Marketing Management LLC
09.2023 - 04.2024

Branch Manager

Pan Asia Banking Corporation PLC
06.2022 - 09.2023

Assistant Manager , Credit & Branch Operations

Pan Asia Banking Corporation PLC
01.2020 - 06.2022

Master of Business Administration - Business Administration

London Metropolitan University
09.2019 - 08.2021

Manager - Credit/Sales - Central Region

Pan Asia Banking Corporation PLC
06.2017 - 01.2020

Diploma - Credit Management

Institute of Banking in Sri Lanka
06.2015 - 02.2016

Executive - Leasing Credit / Sales

Pan Asia Banking Corporation PLC
07.2014 - 06.2017

Branch Manager, General Unit

Union Assurance PLC
03.2013 - 07.2014

Assistant Manager

Softlogic Finance PLC
03.2012 - 03.2013

Senior Banking Assistant

Nations Trust Bank PLC
06.2007 - 03.2012

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