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 AnalystFinancial AnalystATM cash loading/unloadingBanking product sales and servicesFamiliar with banking software like Finacle, Saksham, Branch Analytics, and moreFamiliar with MS Office (Excel, Word, PowerPoint)Exceptional Motivational and Leadership SkillsTime Management SkillAbility to work under pressureExcellent communication skills
Portfolio Management
Underwriting knowledge
Portfolio Management
Mortgage lending
Financial Services
Document analysis
Relationship building and management
Risk management assessments
Credit analysis
Financial Advising
Balance sheet expertise
Property Evaluation
Income Evaluation
Complaint Handling
Relationship Building
Decision-Making saw
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