Hi, I’m
Rinku Munni
Deputy Branch Manager
Mumbai,MH
There’s no shortage of remarkable ideas, what’s missing is the will to execute them.
Seth Godin
Work Preference
Summary
Results-driven banking professional with extensive 13years of experience in branch operations, customer service, phone banking, and investment support. Proven ability to lead a team of 10. Manage daily branch activities, ensure regulatory compliance and drive CASA growth through cross-selling and relationship management. Adept at risk control, service quality improvement, and branch profitability support, while delivering an excellent customer experience.
Overview
14
years of professional experience
2
Certifications
Work History
ICICI Bank
Deputy Branch Manager
05.2023 - Current
Job overview
- Managed daily operations to ensure smooth functioning of the branch and timely completion of tasks.
- Conducted regular audits of branch operations to identify areas for improvement and implement corrective actions.
- Enhanced branch efficiency by streamlining internal processes and implementing staff training programs.
- Acted as interim Branch Manager during vacations or absences from work; providing seamless leadership continuity without sacrificing operational efficiency.
- Monitored employee performance and provided constructive feedback for professional growth and development.
- Optimized staffing levels by analyzing workload trends, ensuring efficient allocation of resources.
- Ensured strict adherence to all regulatory requirements through consistent enforcement of policies and procedures across the branch team members.
- Cultivated strong relationships with clients, resulting in improved customer loyalty and retention rates.
- Assisted Branch Manager in budget preparation, monitoring expenses closely to prevent cost overruns or wasteful spending.
- Managed cross-selling initiatives that expanded existing customer relationships while bringing onboard new clientele, contributing to the overall growth of the branch.
- Coordinated with other departments to resolve customer complaints promptly, enhancing overall client experience.
- Analyzed market trends to stay current on industry best practices, incorporating new ideas into existing strategies for continuous improvement.
- Oversaw the loan approval process, maintaining compliance with lending regulations and policies.
- Involved actively in talent acquisition activities such as interviewing potential candidates; bolstering team capabilities through strategic hiring decisions.
- Collaborated with senior management to develop branch goals, aligning them with company objectives.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Implemented risk management protocols, reducing financial losses due to fraud or operational errors.
HDFC Bank
Teller
07.2018 - 05.2023
Job overview
- Managed end-to-end daily branch operations, including cash handling, check collections, and high-volume transaction processing with accuracy and efficiency.
- Handled foreign remittances, currency exchange transactions, and Forex card issuance and servicing, in compliance with regulatory guidelines.
- Processed fixed deposits, demand drafts, electronic fund transfers (NEFT/RTGS), and account closures, ensuring timely and error-free execution.
- Drove product and service sales through effective customer query resolution, cross-selling, and leveraging customer referrals to strengthen relationships.
- Coordinated salary disbursement activities, and maintained precise confirmation and audit records.
- Monitored and reconciled suspense, deferred, and accounts payable/receivable, ensuring adherence to fund transfer timelines and internal controls.
- Reviewed end-of-day financial and cash reports, maintaining strict control over cash positions and instrument issuance.
- Maintained accurate records of counter stock, bulk stock, cheque returns, and supporting documentation in line with audit requirements.
- Managed vendor payments and expense vouchers, contributing to smooth and compliant financial operations.
- Promoted and onboarded customers to direct and digital banking channels, improving service efficiency and customer engagement.
- Delivered exceptional customer service within defined TATs, minimizing wait times while maximizing transaction quality and accuracy.
- Ensured strict compliance with banking regulations, internal policies, and audit standards at all times.
ICICI Securities
Client Associate
03.2016 - 07.2018
Job overview
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
- Facilitated new client onboarding process and investment account setup.
- Assisted clients with financial planning to meet financial goals.
- Helped individuals and families build and execute wealth management strategies based on unique goals and objectives.
- Analyzed market trends, stock movements, and economic indicators to support client investment strategies and trading decisions.
- Assisted clients with equities, mutual funds, derivatives, and portfolio solutions, ensuring alignment with risk profiles and goals.
- Assisted clients with equities, mutual funds, derivatives, and portfolio solutions, ensuring alignment with risk profiles and goals.
- Delivered efficient client service by resolving trading, account, and operational queries within defined turnaround times.
Credit Sudhaar
Assistant Manager
11.2014 - 08.2015
Job overview
- Assisted clients in understanding credit reports and improving credit scores.
- Coordinated workshops to educate customers on financial literacy and credit management.
- Managed client inquiries through phone, email, and face-to-face consultations.
- Developed customized action plans for clients to enhance their credit profiles.
- Collaborated with team members to streamline customer service processes and workflows.
- Maintained accurate records of client interactions and progress tracking systems.
- Managed customer service inquiries and complaints promptly.
- Assisted in the development of operational strategies to ensure efficient and productive operations.
- Delegated work to staff, setting priorities and goals.
- Recruited and trained new employees to meet job requirements.
Kotak Mahindra Bank
Assistant Manager
01.2012 - 05.2014
Job overview
- Handled inbound and outbound customer calls, resolving retail banking queries, while delivering a high standard of customer service.
- Assisted customers with account-related services, debit cards, net banking, mobile banking, and phone banking support.
- Acquired new customers by promoting savings and current accounts, and completing account-opening formalities over the phone.
- Achieved cross-selling targets by recommending appropriate banking products, such as deposits, cards, loans, and digital services.
- Addressed customer complaints and service requests within defined turnaround times, ensuring first-call resolution wherever possible.
- Managed NRI customer interactions, including email communication and KYC updates, in compliance with RBI and bank policies.
- Maintained accurate call logs, customer records, and documentation while adhering to data security and confidentiality standards.
- Ensured strict compliance with regulatory guidelines, internal controls, and quality assurance benchmarks.
Education
Sydhenam CollegeMumbai, India
M.com from Banking And Finance
04.2001
Saraf CollegeMumbai, India
B.com from Banking And Insurance
04.2001
Skills
Branch operations and compliance management
Leadership and team management
Customer relationship management
Sales and business development
Risk management and decision-making
Audit management
Certification
IRDA
Accomplishments
Awards & Honors
- Branch Operations Award - 5-Star Audit Ranking consistently for 2024 and 2025.
- Monthly Service Excellence Certifications.
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
IRDA
05-2025
NISM
04-2024
Deputy Branch Manager
ICICI Bank
05.2023 - Current
Teller
HDFC Bank
07.2018 - 05.2023
Client Associate
ICICI Securities
03.2016 - 07.2018
Assistant Manager
Credit Sudhaar
11.2014 - 08.2015
Assistant Manager
Kotak Mahindra Bank
01.2012 - 05.2014
Sydhenam College
M.com from Banking And Finance
04.2001
Saraf College
B.com from Banking And Insurance
04.2001