Chittaranjan Mohapatra
Retail Banking
Bhubaneswar
Summary
Enterprising Retail Banking successful in leading every facet of new and ongoing business operations. Strategic thinker and tactical decision-maker with passion for serving customers and exceeding expectations. Creative problem solver skilled at de-escalating situations and driving positive change. Experienced in reviewing financial and digital records. Effective at directing, monitoring and inspiring team members to complete accurate and timely investigations and reports. Talented in training employees, solving complex problems and making sound decisions.
Overview
19
19
years of professional experience
9
9
years of post-secondary education
3
3
Certifications
Work History
AVP (Retail Banking)
Bandhan Bank Ltd
2024.08 - Current
- Managed the operations of a 300 crore GL branch, ensuring compliance with all regulatory and internal policies.
- Implemented strategic initiatives to enhance operational efficiency and service quality.
- Developed and maintained relationships with key clients, including high-net-worth individuals (HNI) and corporate clients.
- Provided personalized financial solutions and cross-sold a wide range of banking and investment products to meet clients' needs.
- Monitored branch financial performance, including assets, liabilities, profitability, and risk management.
- Ensured the achievement of branch financial targets, including deposit growth, loan disbursement, and revenue generation.
- Led a team of 15 employees, providing guidance, training, and performance evaluations.
- Fostered a positive work environment that promoted teamwork, accountability, and professional development.
- Developed and executed branch-specific sales and marketing strategies to attract new customers and retain existing ones.
- Organized and participated in local community events to enhance the bank's visibility and brand recognition.
- Ensured adherence to all regulatory requirements and internal audit standards.
- Implemented effective risk management practices to safeguard the branch's assets and reputation.
- Championed customer service excellence by resolving issues promptly and ensuring a high level of customer satisfaction.
- Monitored customer feedback and implemented improvements to enhance the overall customer experience.
- Managed branch resources, including budgeting, staffing, and facility maintenance.
- Oversaw the implementation of new technologies and systems to improve branch operations.
AVP (Retail Banking)
Axis Bank Ltd
2009.09 - 2024.07
- Self-motivated, with a strong sense of personal responsibility.
- Monitor, control reports and conduct audits in accordance with Bank policies and procedures and regulatory, legal and ethical requirements in order to manage operational risk and minimize losses.
- Processed wide variety of retail banking transactions for personal and commercial customers.
- Identified and reported suspicious patterns of activity to reduce money laundering.
- Probed to understand customer banking and credit card needs to integrate marketing promotions and programs into conversations and offer strategic advice.
- Followed through on risk and compliance processes and policies to safeguard customer assets, maintain privacy and act in best interest.
- Complied with regulatory, legal and ethical requirements to protect bank assets.
- Received mortgage, loan or public utility bill payments, verifying payment dates and amounts due.
- Received loan and utility payments, sending funds to correct destinations.
- Participated in team projects, demonstrating an ability to work collaboratively and effectively.
- Resolved problems, improved operations and provided exceptional service.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Developed and led team of financial advisors, enhancing their skills with comprehensive training programs.
- Achieved consistent growth in loan portfolio by offering tailored financial solutions to clients' needs.
- Managed risk by ensuring adherence to regulatory requirements and internal policies.
- Acquired, nurtured, and grew relationships within the Affluent and UHNI/HNI segments.
- Cross-sold a range of investment, insurance products, and other asset classes to clients.
- Focused on increasing Total Relationship Value (TRV), Assets Under Management (AUM), and Product per Client.
- Achieved revenue objectives and met financial planning goals for clients.
Assistant Manager
ICICI Bank Ltd
2007.01 - 2009.09
- Looked after all the cash related activities and giving the services to the customers within TAT and achieve the target of CWT (Customer Wait Time)
- Generated revenues for branch as RBD Champ (FDs, LIs, Mutual Funds) and by selling gold to the customers
- Handled the FCRM effectively by which the SR and CR to be closed within the TAT
- Looked after inward and outward clearing activities as a whole with Clearing Reconciliation
- Handled the “May I Help You” desk so that the customers are satisfied with our services by giving proper solutions to their queries
- Also looked after the Channel Migration by which customers can know about other services and also save his own time instead of coming to the branch regularly.
Assistant Manager
Image Infotainment Ltd
2006.07 - 2006.12
- Generated enquiries from educational institutions, corporate houses and residential areas and fixing up demos
- Participated in exhibitions, distribution of pamphlets, fixing up appointments for seminars and assisting in conducting seminars
- Interacted with the media people for giving the advertisements in the regional news paper and preparing the news articles for publishing in every month
- Suggested the location where the hoarding and postures to be placed.
Marketing Executive
AFL Express
2005.07 - 2006.06
- Met to the corporate houses and get signed an agreement with us so that they can use our courier services
- Arranged promotional activities in the exhibitions for awareness about our organization.
Education
Senior Management - Senior Management
Indian Institute of Management, SMP
Calcutta 2022.06 - 2023.06
MBA - Marketing, Finance
Regional College of Management
Bhubaneswar 2003.07 - 2005.06
Bachelor of Science - Mathematics
Maharishi College of Natural Law
Bhubaneswar 2000.07 - 2003.06
Associate of Science - Physics, Chemistry & Mathematics
Maharishi College of Natural Law
Bhubaneswar 1998.07 - 2000.06
High School Diploma -
Govt Boys' High School
Bhubaneswar 1997.07 - 1998.06
Skills
Relationship building and management
Team Leadership
Goals and Performance
Background in mutual funds, stocks, bonds and investments
Verbal/written communication
Wealth Management
Client Relationship Management
Cross-Selling Financial Products
Revenue Generation
Business Development
Asset Management
Additional Information
- ADDITIONAL INFORMATION , Hobbies: , Playing Tabla Achievement: Got the 14th position in Mathematics (H) in allover Utkal University in the academic year 2000-2003. Completed the Graduation in Music in Tabla (VisharadPurna) from AkhilaBharatiyaGandharvMahavidyalaya, Mumbai in the year 2004.
Certification
NISM Series V A
Timeline
AVP (Retail Banking)
Bandhan Bank Ltd
2024.08 - Current
Senior Management - Senior Management
Indian Institute of Management, SMP
2022.06 - 2023.06
NISM Series V A
2014-06
IRDA
2012-07
NISM Series VI (DOCE)
2011-06
AVP (Retail Banking)
Axis Bank Ltd
2009.09 - 2024.07
Assistant Manager
ICICI Bank Ltd
2007.01 - 2009.09
Assistant Manager
Image Infotainment Ltd
2006.07 - 2006.12
Marketing Executive
AFL Express
2005.07 - 2006.06
MBA - Marketing, Finance
Regional College of Management
2003.07 - 2005.06
Bachelor of Science - Mathematics
Maharishi College of Natural Law
2000.07 - 2003.06
Associate of Science - Physics, Chemistry & Mathematics
Maharishi College of Natural Law
1998.07 - 2000.06
High School Diploma -
Govt Boys' High School
1997.07 - 1998.06
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