DANIEL ALOYSIUS RAYMOND
Retail Banker
Vellore
Summary
- Offering nearly 13 + years of rich & qualitative experience with proven business acumen in managing Retail Banking and Banking Operations and contributing higher rate of organic growth; targeting senior-level opportunities in Banking Operations.
- An accomplished professional with a strong verifiable career track for successfully propelling through Banking environment, having experience in end-to-end Banking Operations Management
- Proactive leader and planner with experience in identifying key accounts, managing portfolio, expanding client base for augmenting turnovers and achieving desired targets / goals
- Driving revenue growth with focus on top-line & bottom-line performance; extensive background in both Assets & Liabilities sides of business
- Consistent record of identifying/exploring new & untapped business opportunities, driving growth and augmenting profitability
- Innovative Manager with skills of building and maintaining healthy business relations with high net-worth and corporate clients and ensuring high client satisfaction matrices by achieving delivery & service quality norms
- Maintained KYC compliance with all documents as per banking rules and conducting due diligence of all transactions in the branch
- Ensured high quality services were provided to customers within the agreed compliance and regulatory norms (RBI, FEMA, AML guidelines and KYC norms)
- Rich experience in making decisions for smooth progress of day-to-day business operations, turning operations into rapidly changing environments and maintaining excellent metrics (such as efficiency, productivity, quality)
- Conceptualized strategic and operational plans for the branch for drawing a positive image; harmonized them with the bank's macro level plans; aligned resources in line with the branch targets and performance estimates
Overview
19
19
years of professional experience
6021
6021
years of post-secondary education
4
4
Certifications
3
3
Languages
Work History
Assistant Vice President (Branch Head)
Axis Bank Ltd.
04.2022 - Current
- Spearheading end-to-end Retail Banking, Business & Operations, including Sales, Business Development, Operations Management, Service Delivery, Credit Appraisal, Audit, Risk Management, Fraud Control & Reporting, Regulatory Compliance and Customer Retention
- Facilitating business growth by delivering high-quality solutions, establishing high value HNI accounts & customer retention strategies
- Targeting to achieve highest levels of service health of branch by adhering to operational processes and closely monitoring complaints & service issues
- Ensuring smooth operations of branch through timely closure of critical service requests; controlling service rejections by implementing proper controls and checks leading to customer delight
- Conducting branch audits (identifying weak on hygiene parameters); educating the branch to identify lapses and implement corrections
- Establishing service level agreements with business units & stakeholders; evaluating risk, cost, resource requirements & schedules associated with projects & submitted the effective delivery opinions
- Monitoring monthly metrics & KPIs, ensured adherence to operational standards
- Managing all transaction processes and delivery of services; providing services to existing customers and improving all aspects of customer relationships
- Achieving high C-SAT for internal customers, stabilizing the process stabilisation and delivering at par productivity in a short time span, working on client feedback and escalations with the objective of improving upon services
- Ensuring compliance with internal controls, policies and procedures; tracked tax and legal issues relating to international cash movements and worked closely with tax, accounting & local finance to optimize cash balances
- Establishing strategies for achievement of branch revenue & profitability targets; directing business growth at branch level; creating operating budgets; ensuring optimum utilisation of funds; managing internal & external audits
- Conducting training sessions on client profiling, customer advisory on financial needs and maintaining high customer feedback
- Performing Daily Review and monitoring sales & service performance of service and sales team of the branch
- Generating sales leads through community outreach activities and developing business partners while building internal relationships
Senior Manager (Branch Manager)
HDFC Bank Ltd.
09.2019 - 03.2022
- Steered a New Branch to Liabilities value of 20+ crores in 2.5 years
- Achieved 100% Asset Targets consistently for each Financial Year
- Achieved Life Insurance Target of 100+% in the FY 2021-22
Various Positions
CSB Bank Ltd.
02.2011 - 09.2019
- Company Overview: Previously The Catholic Syrian Bank Ltd
- Steered extended branch banking operations such as appraisal & documentation of retail loans, retail banking services, marketing of retail banking products & negotiable instruments inward and outward clearing of negotiable instruments
- Appointed as a Branch level Co-Ordinator for District Level Credit and Government Sponsored Scheme Implementations like Tamil Nadu Rural Livelihood Mission, Financial Inclusion, Agri-Credit and Agri-Clinics Scheme, and MNREGA
- Identified clients, and understood their risk appetite, thereby leading to Credit Appraisal, Pre-and Post-Sanction Follow up, and Recovery
- Previously The Catholic Syrian Bank Ltd
Analyst
International Business Times
05.2010 - 10.2010
- Wrote and published Newsletter for US and UK clients involving Daily Market Analysis
Programmer
Cognizant Technology Solutions Private Limited
09.2006 - 12.2007
- Business Requirement Understanding
- Test Case Writing, Test Script Writing, Test Script Execution, Defect Reporting (Quick Test Professional), Test Closure, Knowledge Transition
- Regression Testing, System Testing
Education
MBA - Finance
Christ University
Bangalore04.2010
B.Sc. - Physics
Loyola College
Chennai04.2006
Higher Secondary Education -
Carmel Garden
Coimbatore04.2003
Skills
MS Office
Word
Excel
PowerPoint
Power BI
CRMnext
FLEXCUBE
Finacle
MAARVEL
Customer / Network Expansion
Cost Control
Risk Management
Team Management & Training
Audit
Inspection
Risk
Compliance
Retail & Branch Banking
Client Relationship Management
Regulatory Compliance
AML
KYC
ATM
Customer Due Diligence
Certification
JAIIB - Junior Associate in Indian Institute of Banking and Finance, 05/01/13
Extra-Curricular Activities
Functioned as Treasurer in AICUF, Loyola College in 2005 Facilitated as Director of Environmental Services in YRCS, Loyola College in 2006 Participated in LEARN (Loyola Empowerment and Reach out Network) Outreach Programme for Slum Children, and in Book Review Presentation at CUIM Worked with USHUS 2008 and 2009 Management Quiz - Organizer CUIM
Personal Information
Date of Birth: 06/23/86
Notable Accomplishments
- DJFM qualifier and participant overall Assets and Liabilities FY 2022-23 for International Tier Contest at Axis Bank Ltd.
- STARNITE Qualifier and participant for Life Insurance Dec'22 Circle Level contest at Axis Bank Ltd.
- Successfully achieved more than 45% YOY Growth in CASA, Retail Assets and Cross Sell Products at HDFC Bank Ltd.
- Played a pivotal role in making CSB Cuddalore branch one of the Top Performers in the Region in Gold Loan and CASA Portfolio
- Shifted and Inaugurated the Hubli Branch to a new premise with First CSB ATM in Uttar Karnataka Region
- Ensured NPA and Suit Filed Accounts Recovery for three locations, including Vellore, Hubli and Annur
Accomplishments
• DJFM qualifier and participant overall Assets and Liabilities FY 2022-23 for
International Tier Contest at Axis Bank Ltd.
• STARNITE Qualifier and participant for Life Insurance Dec’22 Circle Level contest
at Axis Bank Ltd.
• Successfully achieved achieving more than 45% YOY Growth in CASA, Retail
Assets and Cross Sell Products at HDFC Bank Ltd.,
• Shifted and Inaugurated the Hubli Branch to a new premise with First CSB ATM
in Uttar Karnataka Region
• Ensured NPA and Suit Filed Accounts Recovery for three locations, including
Vellore, Hubli and Annur - CSB Bank
Timeline
Assistant Vice President (Branch Head)
Axis Bank Ltd.
04.2022 - Current
Senior Manager (Branch Manager)
HDFC Bank Ltd.
09.2019 - 03.2022
Various Positions
CSB Bank Ltd.
02.2011 - 09.2019
Analyst
International Business Times
05.2010 - 10.2010
Programmer
Cognizant Technology Solutions Private Limited
09.2006 - 12.2007
MBA - Finance
Christ University
B.Sc. - Physics
Loyola College
Higher Secondary Education -
Carmel Garden