ALOK KUMAR
Relationship Manager (Business Loan)
Khagaria
Summary
Being into Retail Banking, Business Banking and Financial services for 5 years. I have gathered potential knowledge in different areas of banking sales, operations and services. In a lookout of a challenging and rewarding opportunity in an organization wherein I could get more exposure on my career and I can utilize my skills and knowledge which will contributes towards organizations growth as well as my growth.
Overview
5
5
years of professional experience
9
9
years of post-secondary education
Work History
Senior Deputy Manager
ICICI Bank Ltd.
Patna
01.2023 - Current
- Secured Business Loan (Working Capital, Credit Control, Loan Operations, Banking Analysis and Financial Analysis)
- Introduced new methods, practices, and systems to reduce turnaround time.
- Provided expert guidance on loan structuring, helping clients navigate complex financing options while ensuring compliance with regulatory requirements.
- Collaborated with underwriters to ensure accurate evaluation of financial records for potential borrowers.
- Enhancing the bank''s reputation by delivering exceptional service in line with established policies.
- Mentored junior loan officers, sharing best practices and fostering professional growth within the team.
- Boosted loan approval rates by diligently assessing borrower qualifications and accurately identifying risks.
- Improved cross-selling success by identifying additional financial products suitable for business loan clients.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Utilized risk management strategies to attain high loan approval rates.
Deputy Manager
Axis Bank Ltd.
Mirik
04.2021 - 01.2023
- Branch Banking (Sales, Services and Branch Operations)
- Streamlined clearing processes by implementing efficient filing and documentation systems.
- Utilized CRM systems proficiently for tracking customer interactions and recording relevant information accurately for future reference.
- Maintained a high level of product knowledge to effectively assist customers with accurate information and recommendations.
- Enhanced customer satisfaction by efficiently addressing and resolving their inquiries and concerns.
- Maintained strong relationships with clients by offering personalized financial advice and support.
- Enhanced customer retention through proactive communication and timely resolution of issues or inquiries.
- Boosted customer satisfaction by providing exceptional service and addressing client concerns promptly.
- Strengthened branch performance through effective cross-selling of bank products and services.
- Discussed financial options with clients and provided informed suggestions.
- Worked with clients and finance companies to find optimal solutions for financing.
Assistant Manager
Axis Bank Ltd.
Mirik
04.2019 - 03.2021
- Enhanced customer satisfaction by providing efficient and accurate cash transactions.
- Streamlined checkout process for increased efficiency and reduced waiting times.
- Enhanced customer satisfaction by establishing clear communication channels and addressing concerns promptly.
- Consistently met sales targets through proactive cross-selling of banking products and services.
- Maintained friendly and professional customer interactions.
- Implemented service improvements to enhance sales cycle.
- Complied with regulatory guidelines and requirements.
- Boosted sales and customer loyalty through incentive programs.
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
Education
Post Graduate Diploma In Banking Services - Banking Services
Manipal Academy of Higher Education
Bangalore 01.2018 - 07.2019
Bachelor Of Engineering - Electronics And Communication Engineering
Rajiv Gandhi Proudyogiki Vishwavidyalaya
Bhopal 06.2011 - 06.2015
Intermediate - Math, Physics, Chemistry, Hindi, English
C S College Belhar
Banka 06.2008 - 05.2010
Matriculation - Math, Science, Social- Science, Hindi, Sanskrit
B H School
Pipra, Khagaria 01.2007 - 04.2008
Skills
Banking Analystundefined
Accomplishments
- 1st Rank in Siliguri cluster (WB Circle) two consecutive years
Experience And Skills
- ICICI Bank Ltd., Senior Deputy Manager, Secured Business Loan, 01/11/23, Present, Working Capital, Credit Control, Loan Operations, Banking Analysis and Financial Analysis
- Axis Bank Ltd., Deputy Manager, Branch Banking, 04/04/19, 01/03/23, Sales, Services and Branch Operations
Mother Name
Mrs. Sarita Kumari
Personal Information
- Father's Name: Mr. Manoj Kumar Ranjan
- Date of Birth: 01/16/94
- Gender: Male
- Nationality: Indian
- Marital Status: Single
Languages Known
Hindi, English
Disclaimer
The above given information is correct to the best of my knowledge.
Timeline
Senior Deputy Manager
ICICI Bank Ltd.
01.2023 - Current
Deputy Manager
Axis Bank Ltd.
04.2021 - 01.2023
Assistant Manager
Axis Bank Ltd.
04.2019 - 03.2021
Post Graduate Diploma In Banking Services - Banking Services
Manipal Academy of Higher Education
01.2018 - 07.2019
Bachelor Of Engineering - Electronics And Communication Engineering
Rajiv Gandhi Proudyogiki Vishwavidyalaya
06.2011 - 06.2015
Intermediate - Math, Physics, Chemistry, Hindi, English
C S College Belhar
06.2008 - 05.2010
Matriculation - Math, Science, Social- Science, Hindi, Sanskrit
B H School
01.2007 - 04.2008
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