Summary
Overview
Work History
Education
Skills
Certification
Phone
Accomplishments
Timeline
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Arshad Hossain

Banking & Finance
Kolkata

Summary

Accomplished Branch Operations Manager with 19 years of demonstrated track record of success in bank operations & business. Handled Operational, Compliance & Audit activity of a renowned flagship Branch of HDFC Bank having book size over 2500 Cr. Well-versed in core banking applications like Finacle, Flexcube & other Banking applications. Also have expertise in dealing with industry best practices and methods to optimize operations for long-term business success.

Highly effective leader, planner, and problem-solver. Highly detail-oriented and professional Branch Operations Management. Successful at meeting and exceeding branch goals. Expertise in Branch operations, Banking compliance, Internal Audit & Regulatory Audit handling along with business management & team building.

Overview

19
19
years of professional experience
3
3
years of post-secondary education
1
1
Certification
3
3
Languages

Work History

Branch Manager

HDFC Bank Ltd
06.2022 - Current
  • Managed Central Avenue branch of HDFC Bank including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
  • Collaborated with senior leadership on strategic planning & launching initiatives to align branch objectives with organizational goals.
  • Enhanced staff competency with regular training sessions, boosting productivity levels across branch operations.
  • Branch has consistently rated excellent in Compliance Parameter Index which indicates the overall Branch hygiene parameter of Retail Branch Banking.
  • Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
  • Effectively engaged employees in improving customer interactions through CRM data driven analytics.
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Strengthened relationships with top 100 clients of the Branch, securing long-term partnerships and driving revenue growth.
  • Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
  • Continuously monitored branch performance against key performance indicators like profitability CPI & SQI indexes, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Implemented risk management strategies to minimize potential losses while maintaining healthy balance between risk and return on investments.
  • Utilized data-driven insights to make informed decisions regarding staffing levels during peak seasons thereby maintaining smooth functioning of branch operations.
  • Optimized branch inventory management practices for improved product availability and reduced stock obsolescence costs.
  • Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
  • Drove cross-selling efforts by collaborating with various departments within the organization to maximize revenues from existing clients.
  • Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
  • Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
  • Championed process improvement initiatives that resulted in increased efficiency, improved service quality, or cost savings for the organization as a whole.
  • Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
  • Coordinated marketing campaigns tailored towards target audience segments resulting in increased brand awareness within the local community.
  • Monitored market trends to identify new business opportunities and capitalize on potential growth areas within community or region served.
  • Engaged employees in business processes with positive motivational techniques.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Maintained friendly and professional customer interactions.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Complied with regulatory guidelines and requirements.
  • Forecasted trends and recommended improvements based on financial risk analyses.
  • Implemented service improvements to enhance sales cycle.
  • Complied with established internal controls and policies.

Branch Operations Manager

HDFC Bank Ltd
04.2017 - 04.2022
  • Supervised 12 member team of operations including 2 senior authorizers, fostering positive work environment and emphasizing professional growth.
  • Managed operational activity of Salt lake Sector 1 Branch having book size of more than 2500 Cr.
  • Assisted in recruitment process, selecting top talent to join team and contribute to success of organization.
  • Monitored financial transactions to detect any suspicious activity or potential fraud.
  • Organized staff schedules to ensure adequate coverage during peak business hours while maintaining employee satisfaction.
  • Collaborated with cross-functional teams to identify and address internal control weaknesses.
  • Remained up-to-date on Banking regulations and standards, ensuring accurate audits that complied with all applicable guidelines.
  • Led successful change initiatives, ensuring seamless transitions during organizational restructuring efforts.
  • Spearheaded process improvements, resulting in increased productivity and reduced operational costs.
  • Analyzed and reported on key performance metrics to senior management.
  • Led hiring, onboarding and training of new hires to fulfill business requirements.
  • Reduced operational risks while organizing data to forecast performance trends.
  • Streamlined reporting processes for improved efficiency in submitting data to regulatory.
  • Reduced risk of financial penalties by conducting thorough internal audits on regular basis.
  • Spearheaded investigations into potential violations, promptly addressing issues to maintain company reputation and avoid sanctions.
  • Demonstrated adaptability in response to evolving Banking standards, maintaining best practices in dynamic regulatory environment.

Personal Banker Authorizer

HDFC Bank Ltd
04.2012 - 04.2017
  • Streamlined daily operations, ensuring accurate transaction processing and efficient customer service delivery.
  • Contributed to a positive work environment, fostering teamwork among colleagues to enhance productivity levels.
  • Conducted regular audits of cash handling procedures, minimizing risk exposure for the branch.
  • Provided ongoing mentorship to junior bankers, building their skills in sales techniques and customer relations management.
  • Delivered comprehensive financial advice, strengthening client relationships and promoting long-term loyalty.
  • Exceeded individual performance metrics consistently while maintaining exceptional levels of client satisfaction ratings throughout tenure as Personal Banker.
  • Enhanced client retention with proactive follow-ups and timely resolution of account issues.
  • Supported managers in implementing operational improvements that increased efficiency across the branch network.
  • Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
  • Collaborated with branch team members to achieve monthly sales targets and improve overall performance.
  • Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
  • Spearheaded efforts to drive process enhancements that led to improved teller accuracy rates over time.
  • Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
  • Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
  • Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
  • Processed deposits, withdrawals and ACH transfers accurately.
  • Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
  • Maintained customer records and updated account information.
  • Monitored accuracy of customer information in system.
  • Participated in regular audits of authorization processes to ensure compliance with regulatory standards.
  • Maintained updated knowledge of industry regulations, policies, and best practices to provide informed guidance to clients.
  • Implemented a tracking system for authorization requests, increasing transparency and accountability within the team.

Teller Authorizer

HDFC Bank
04.2010 - 03.2012
  • Served as a reliable resource for colleagues seeking guidance on teller processes or policy questions.
  • Managed cash drawer with accuracy, ensuring proper handling of deposits and withdrawals.
  • Resolved complex account issues promptly, demonstrating strong problem-solving skills and attention to detail.
  • Identified potential fraudulent activities, protecting customers and the bank from losses.
  • Reduced transaction errors by consistently following established procedures and guidelines.
  • Assisted in training new tellers, fostering a supportive team environment.
  • Conducted regular audits of teller drawers, identifying discrepancies and implementing corrective actions if necessary.
  • Upheld a strong commitment to regulatory compliance by staying current on industry trends, changes in legislation, or any updates to relevant policies.
  • Maintained up-to-date knowledge on banking regulations and compliance requirements, applying them in daily tasks.
  • Handled high volumes of financial transactions during peak hours while maintaining accuracy and efficiency.
  • Contributed to branch sales goals by cross-selling banking products and services when appropriate.
  • Supported implementation of new banking technology platforms for enhanced customer experiences.
  • Provided personalized service to clients, building strong relationships that fostered loyalty and trust.
  • Streamlined teller operations for increased productivity and improved customer experience.
  • Assisted branch management in developing strategies for improving operational effectiveness and enhancing overall performance metrics.
  • Balanced cash drawer at end-of-day, verifying totals against transaction records for accuracy.
  • Participated in regular team meetings and ongoing professional development opportunities for continuous improvement as a Teller Authorizer.
  • Collaborated with other banking staff to deliver exceptional customer service across all channels.

Teller

HDFC Bank
04.2007 - 03.2010
  • Maintained up-to-date knowledge of bank products, services, promotions, policies, regulations to better assist customers with their financial needs.
  • Improved customer satisfaction by providing efficient and accurate transaction processing.
  • Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
  • Maintained cash drawer accuracy by conducting regular audits and implementing effective cash handling practices.
  • Enhanced branch security through vigilant monitoring of suspicious activities and timely reporting to supervisors.
  • Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
  • Provided training to new tellers on bank procedures, systems, and customer service best practices.
  • Handled complex transactions such as wire transfers or foreign currency exchanges with accuracy and efficiency.
  • Prepared reports on daily transactions for management review, highlighting areas for improvement or notable accomplishments.
  • Assisted customers with account inquiries, resolving issues promptly and professionally.
  • Conducted regular self-assessments of performance to identify areas for growth or improvement within the role of a Teller.
  • Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
  • Educated customers on use of banking website and mobile apps.
  • Identified sales opportunities and referred customers to branch partners in financial services.
  • Processed customer transactions promptly, minimizing wait times.

Customer Service Executive

ICICI Bank
01.2005 - 01.2007
  • Maintained a overall cash management and ensured accurate accounting at the end of day.
  • Enhanced customer satisfaction by providing efficient and accurate cash transactions.
  • Operated cash register for cash, fund transfer transactions with excellent accuracy levels.
  • Addressed customer needs and made product recommendations to increase sales.
  • Managed teller operations, overseeing cash handling procedures while maintaining strict security protocols.
  • Increased deposit growth by promoting various saving options to customers and highlighting the benefits of each product.
  • Developed strong relationships with clients, resulting in increased referral business and long-term loyalty.
  • Improved customer satisfaction by providing exceptional service and addressing client concerns promptly.
  • Provided personalized financial advice to clients, helping them achieve their short-and long-term goals.
  • Consistently met sales targets through proactive cross-selling of banking products and services.
  • Maintained friendly and professional customer interactions.

Education

Bachelor of Commerce - Accounting And Finance

Calcutta University
Kolkata
05.2000 - 06.2003

Skills

Branch Operations Management

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Certification

IRDA, Insurance Regulatory and Development Authority, The certification is required for providing insurance and investment advice services

Phone

7003557289, 9836999750

Accomplishments

  • Received the MDRT Award for exemplary performance and recognition in Life Insurance business & CASA value funding.

Timeline

Branch Manager

HDFC Bank Ltd
06.2022 - Current

Branch Operations Manager

HDFC Bank Ltd
04.2017 - 04.2022

Personal Banker Authorizer

HDFC Bank Ltd
04.2012 - 04.2017

Teller Authorizer

HDFC Bank
04.2010 - 03.2012

Teller

HDFC Bank
04.2007 - 03.2010

Customer Service Executive

ICICI Bank
01.2005 - 01.2007

Bachelor of Commerce - Accounting And Finance

Calcutta University
05.2000 - 06.2003

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Arshad HossainBanking & Finance