Summary
Overview
Work History
Education
Skills
Interests
Personal Information
Timeline
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ANJO ITTOOP

ANJO ITTOOP

Relationship manaager
THRISSUR

Summary

Innovative Relationship Manager focused on developing strategic business opportunities by delivering exemplary service to each client's individual needs. Respected professional with exceptional knowledge regarding risk management.

Overview

12
12
years of professional experience
6
6
years of post-secondary education
2
2
Languages

Work History

SEG RELATIONSHIP MANAGER

Axis Bank Ltd.
04.2024 - Current
  • - Responsible for achieving Top-line and Fee growth from New to Bank SME business within an assigned territory by effectively selling the SME products and related services.
  • Core Functions :
  • - Primary Objective is to promote and sell SME products to New-to-Bank customers and as cross-sell to existing customers from other Departments, thereby contributing to Top-line, PSL and Fee growth.
  • - Manage various channels such as Branch, BBRMs/TRMs, VLE, etc. in addition to own open market sourcing to achieve the above-mentioned objective.
  • Details of Function :
  • - Establishes, develops and maintains business relationships with branch staff (Branch Head, BBRM, BSM, etc.) in assigned territory,
  • - Manage and ensure desired productivity levels assigned to Centre
  • - Researches sources for developing prospective customers and for information to determine their potential.
  • - Analyses the territory/market's potential and determines the value of existing and prospective customers- value to the organization.
  • - Expedites the resolution of customer problems and complaints.
  • - Plans and organizes personal sales strategy with the help of Center Head and Geography Head
  • - Supplies management with oral and written reports on customer needs, problems, interests, competitive activities, and potential for new products and services.
  • - Responsible for liaisoning with trade associations, industry body, canalizing agencies etc for business development.
  • - Coordinate with other internal verticals as well as RMs for smooth initial disbursement of sanctioned credit facility.

Relationship Manager

HDFC BANK LTD
05.2022 - 12.2023
  • Acquisition of new asset relationships through various channels and managing a portfolio of 30‑40 BBG relationships depending on the geography covered and the branches mapped to the RM and maintain HNW relationship management of the BBG customers in order to provide quality service to the customers.
  • To achieve overall business targets on volumes and profitability for BBG customers.
  • To regularly interact with the branches for lead generation for BBG, updates on the leads in CRM, ensuring conversions and following complete lead conversion process.
  • Market scoping and identifying the potential customers with wallet share for all BBG customers and product penetration and strategy for achievement under various initiatives jointly with branch banking team.
  • Need to follow the laid down sales process which involves updation of the regular client calls for both existing and prospective clients.
  • These calls should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.
  • Monthly review to be done with various product groups and supervisors who support the RM's portfolio (plan Vs achievement) and other cross function teams to ensure better product penetration.
  • Improvement on yield for the Bank so that the Portfolio has a strong Return on capital at RM portfolio level.
  • Documentation pre‑disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement sign off from customers, including deferral closure.
  • Ensuring cross selling of complete liabilities, corporate salary accounts, other asset products, TPP to the existing Relationships and its raised group accounts.
  • Increasing the IPH and CTG to ensure revenue maximization.
  • Relationship building with both internal and external customer of the RM.
  • Client satisfaction and taking care of all banking needs of the customer.
  • Preparation of customer profiling sheet and identifying cross sell and revenue increasing opportunities.
  • CAM Preparation & query resolution.
  • Customer negotiation on rates and other issues relating to charges.
  • Daily servicing of customer w.r.t. Cheque referrals, customer queries related to Banking, Issuance of Cheque books, managing cash deposition / withdrawal issues, solvency certificates, trade & Fx transaction, etc.
  • To make sure high level of client satisfaction.
  • Co‑ordination with credit for CAM approval, deferral waiver / extension & other customer requirements like Buyers credit, TOD‑ s.
  • Co‑ordination with local Ops for disbursements, TOD limit setting, submission of Stock Statement.
  • Coordinating with trade desk and customer for smooth LC/BG issuance, and for import / export payment, BG invocation, LC payment.
  • E‑Net, CMS and cross sell of other such products.
  • Portfolio review and remedial management which includes managing exits, line reductions, recovery and restructuring of exposures.
  • Management of stress and critical accounts.
  • Also ensuring completion of Housekeeping pendencies including CAM renewals, deferral closure, Call memos, stock statements, insurance renewals, Plant visit, Site visit etc.
  • Follow‑up and regularization of TOD‑ s.
  • High value transaction reporting and tracking.

Sales Manager

IDFC FIRST BANK LTD
05.2020 - 06.2021
  • Represent our company, with a comprehensive understanding of our offerings.
  • Research consumer needs and identify how our solutions meet them.
  • Hire, train, motivate, and advise a team of sales representatives.
  • Achieve company objectives through effective planning, setting sales goals, analyzing performance data, and projecting future performance.
  • Continuously develop personal leadership, hiring, and training skills while ensuring the team is using effective sales tactics to meet revenue objectives.
  • Generate leads, and build and nurture client relationships.
  • Create and execute a strategic sales plan that expands customer base and extends global reach.
  • Meet with potential clients and grow long‑lasting relationships by understanding their needs.
  • Track, analyze, and communicate key quantitative metrics and business trends as they relate to partner relationships.
  • Recruit salespeople, set objectives, train and coach, and monitor performance ensuring assigned tasks and responsibilities are fulfilled.
  • Identify knowledge gaps within the team and develop a plan to fulfill them.
  • Oversee the sales team to ensure company quotas and standards are met by holding daily check‑ins with team to set objectives for the day and monitor progress regularly.
  • Manage month‑end and year‑end close processes.
  • Was PAN INDIA best Sales Manager.
  • Got Highest rating (5 rating).
  • Promoted one of my Bank Officer to next level with Fast track Promotion who was the first person to be in Kerala Region.
  • Was topper in contests for cross –selling and Casa parameters.

Assistant Manager

CSB BANK LTD
01.2016 - 04.2020
  • Hire, train, and supervise customer service representatives and financial service managers.
  • Enforce bank regulations and oversee bank security measures.
  • Monitor branch financial activities, performing audits, reviewing reports, and managing cash levels.
  • Work to gain and retain customers by maintaining high standards of customer service.
  • Building Long term relationships with customers by cross‑ selling Third Party Products like Insurance ( EDELWEISS TOKIO LIFE INSURANCE and ICICI PRUDENTIAL)and Demat accounts(GEOJITand ACUMEN).
  • Was topper in Insurance sourcing for the financial year 2016‑17, a value of 28 Lakhs with 34 Number of.
  • Was topper in Insurance sourcing for the financial year 2017‑18, a value of 32.70 Lakhs with 51 numb.
  • Was topper in insurance sourcing for the financial year 2018‑19, a value of 52.78 lakhs with 66 number.

Relationship Manager

EDELWEISS TOKIO LIFE INSURANCE COMPANY LTD
06.2015 - 12.2015
  • Was responsible for area wise channel wise delivery of business plan, product mix, Persistency.
  • Drive sales initiative.
  • Track competition and formulate local level strategies.
  • Support, propose and implement strategy in the area of customer targeting, product proposition and capacity enhancement.
  • Follow sales management process.
  • Support channel specific product development.
  • Identity training need and ensure timely delivery of the same to partner staff and team members.
  • Training bank staff on an ongoing basis is a key to this role.
  • The role also requires the individual to go for daily/weekly calls both individual and joint calls with bank staffs and ensure his sales numbers.

Agency Manager

BIRLA SUNLIFE INSURANCE
12.2013 - 05.2014
  • Worked as AGENCY MANAGER, with special focus on RECRUITING OF AGENTS that is team building process and achieving the targets through them by motivating and going with the agents to the clients and closing the deals.

Education

MBA - MARKETING MANAGEMENT

BHARATHIAR UNIVERSITY
06.2014 - 12.2016

BACHELOR OF ENGINEERING - MECHANICAL ENGINEERING

ANNA UNIVERSITY
09.2008 - 04.2012

Skills

Relationship building

Customer relationships

Issue resolution

Client acquisition

Relationship management

Customer service

Relationship building and management

Client engagement

Service support

Interests

listening music

Personal Information

  • Date of Birth: 02/18/90
  • Gender: Male
  • Nationality: INDIAN
  • Marital Status: MARRIED

Timeline

SEG RELATIONSHIP MANAGER

Axis Bank Ltd.
04.2024 - Current

Relationship Manager

HDFC BANK LTD
05.2022 - 12.2023

Sales Manager

IDFC FIRST BANK LTD
05.2020 - 06.2021

Assistant Manager

CSB BANK LTD
01.2016 - 04.2020

Relationship Manager

EDELWEISS TOKIO LIFE INSURANCE COMPANY LTD
06.2015 - 12.2015

MBA - MARKETING MANAGEMENT

BHARATHIAR UNIVERSITY
06.2014 - 12.2016

Agency Manager

BIRLA SUNLIFE INSURANCE
12.2013 - 05.2014

BACHELOR OF ENGINEERING - MECHANICAL ENGINEERING

ANNA UNIVERSITY
09.2008 - 04.2012

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ANJO ITTOOPRelationship manaager