Dhilipan V L
Tirukoilur
Summary
To pursue a career with an organization that enables me to apply my skills to achieve organizational objectives and to excel in innovative technologies to develop world-class solutions.
An astute professional about 8 years of work experience in a wide gamut of loan processing, Wealth management, Retail Banking Operations, banking Products and services, Current, Saving account of both Resident & NRI Services and Banking Awareness. Good at IT software applications for Banking and Financial processes Possess knowledge on various bank applications such as TCS BANCS, Finacle, CRM, SOAX, Finnone and Corporate Accounts submission. Resourceful at maintaining business relationship with clients and customers to achieve quality product and service norms by resolving critical service related issues. An effective communicator and team leader with proven team building and management abilities.
Overview
8
8
years of professional experience
Work History
Manager Advances for MMGS -III Incumbency branch
SBI
Tiruvanamalai
06.2021 - Current
- Conducted banking operations and core functions efficiently at the branch
- Maintained positive customer relationships
- Implemented operational and credit policies at the branch level
- Managed loan accounts and recovery processes
- Met the branch's advances target of Rs 23.50 crs for FY2022-23
- Surpassed branch cross-selling income targets of 14lakhs by achieving 17 lakhs for FY2022-23
- Reduced NPA of the branch more than 50% from 1.20crs to 0.48cr
- Managed customer portfolios and allocated investments into mutual funds, deposits and other products.
- Developed and implemented strategies to increase customer satisfaction and loyalty.
- Conducted regular meetings with staff to discuss progress and identify areas of improvement.
- Ensured compliance with regulatory requirements and industry standards.
- Provided leadership during times of organizational change or crisis situations.
- Ensured compliance with all applicable laws, regulations, industry standards.
- Monitored budgets and expenditures to ensure cost-effectiveness while maintaining quality standards.
MANAGER
IDFC FIRST BANK
Mysore
06.2020 - 05.2021
- Portfolio management of Bank’s HNI clients – Investment advisory
- Maintaining the existing HNI client relationship and increasing the book size and product holding with the bank
- Acquisition of New to Bank (NTB) HNI clients
- Using value index navigator tool suggesting the investment strategy with multiple investments options like MF, Bonds and Insurance.
- Created reports detailing the progress of each client's portfolio over time.
- Identified new opportunities for diversification of clients' portfolios according to market trends and conditions.
- Analyzed client's risk tolerance level and offered customized investment advice accordingly.
- Conducted financial analysis of clients' portfolio to identify and recommend appropriate investment strategies.
- Communicated regularly with clients regarding any changes or updates in the status of their investments.
- Drafted proposals outlining prospective investment strategies tailored specifically for individual clients.
- Developed long-term relationships with clients through regular meetings and reviews of their investments.
- Advised clients on different types of insurance products available to them based on their needs.
- Profiled and analyzed investment products to devise financial strategies, meeting client financial needs and forecasting opportunities with highest return on investments.
- Guided client decisions based on tax or other financial benefits to help each reach desired goals.
- Reviewed clients' accounts and plans regularly to determine need for plan reassessment.
- Implemented financial plans and insurance strategies specifically tailored to client's financial goals.
Senior Privilege Banker
ICICI Bank
Mysore
07.2018 - 05.2020
- Leading a team of Privilege Bankers (PBs) in a Salary Captive Branch
- Ensuring revenue generation and meeting of KRAs of every PB
- Driving the team towards achievement of sales targets
- Mentoring, coaching and motivating the team
- Joint calls with PBs to meet the HNI Clients and generation of sales and revenue
- Responsible for meeting monthly sales targets of various liability, asset and third-party products
- Maintaining the existing HNI client relationships
- Acquisition of New to Bank (NTB) HNI clients
- Responsible for meeting the service and compliance parameters of the bank by every PB
- Portfolio management of Bank’s HNI clients – Investment advisory
- Working with various business vertical teams such as Trade and Forex, Business Lending, Corporate relationships, Government Business, Personal Loans, Insurance, Mutual Funds to improve Branch Profitability
- Responsible for scrutiny and processing of New Savings Account Opening forms and ensuring account activation by the back-end support team
- Responsible for handling queries, escalations and service requests of NRI Customers of the Bank.
- Developed relationships with customers to ensure satisfaction, loyalty and referrals for the bank.
- Analyzed customer portfolios to identify areas of improvement in order to maximize their wealth potential.
- Identified opportunities for cross-selling additional products or services which could benefit customers' finances.
- Provided customized advice to high net worth clients based on their individual needs and goals.
Privilege Banker
ICICI Bank
Mysore
07.2016 - 06.2018
- Managing the banking and investments relationship of Affluent servicing group clients and responsible for overall growth of liabilities & investment business from HNI segment
- Develop, manage and expand customer relationships by providing service level which exceeds client expectations of HNI clients
- Identify current and potential relationship with additional revenue potential and grow business Generating incremental business: Sales targets spread across liabilities, retail assets, business banking, Forex, cards, investment, etc
- Proactively sell the full range of consumer and commercial product to HNI clients
- Increase CASA balances in allocated portfolio either through deepening or acquisition
- Driving higher product and channel penetration to deepen mapped relationships and to increase wallet share with ICICI Bank
- Ensuring portfolio quality by regularly engaging with each mapped relationship and maintaining the desired relationship values
- Regular personal visits to the clients and first person responsible for service and sales satisfaction of mapped clients
- Financial Planning and Investment Advisory to HNI clients
- Driving revenue business to generate fee income through products like mutual funds, investments and insurance
- Ensure all sales activity is recorded online as per the organizational process
- Capture and maximize the business opportunity through detailed client profiling as per organizational process
- Privilege banker Inbound: Handling the front desk of the bank, which involves facing all walk-in customers and resolving their queries, processing requests such as address change, new cards, statement print requests, pass books and all other a/c instructions, managing the online database of all instructions and deliverable etc
- Through that cross-selling also done.
- Researched competitive products from other banks, ensuring that our offerings remain competitive in the market.
- Advised customers on bank products, services and financial planning options.
- Resolved discrepancies concerning customers' accounts, improving client satisfaction.
- Identified financial needs of customers and presented appropriate product and service options.
- Implemented effective client retention strategies, reducing churn and fostering long-term loyalty.
Education
PGDBM (Banking finance) -
Manipal University Bangalore
01.2016
B.E Mechanical -
ANNA University
01.2013
12th -
Sri Gnananda High School
01.2009
10th -
Gurugnana Sambandhar High School
01.2007
Skills
- Good at IT software applications for Banking and Financial processes
- Possess knowledge on various bank applications such as TCS BANCS, Finacle, CRM, SOAX, Finnone and Corporate Accounts submission
- Resourceful at maintaining business relationship with clients and customers to achieve quality product and service norms by resolving critical service related issues
- An effective communicator and team leader with proven team building and management abilities
- Technical Expertise: Finacle, FCRM, Finnone, Staff ware, SOAX, Sales CRM, E-search
Businessrelationship
Resourceful at maintaining business relationship with clients and customers to achieve quality product and service norms by resolving critical service related issues.
Seminarstrainingsattended
- Bank Inter Personal Skills Training Program
- Time management and planning
- People Management Courses
- Soft Skills towards customer service
- Various Products and Process as per the bank requirements
Personal Information
Date of Birth: 08/04/91
Disclaimer
In view of above, I request you to give me an opportunity to prove myself in our esteemed organization. I shall be very thankful to you and I assure that I will put my extreme effort for the upgrade of your organization. Hoping the best response to my resume.
Languages
- English
- Tamil
Languages
Tamil, English
First Language
Timeline
Manager Advances for MMGS -III Incumbency branch
SBI
06.2021 - Current
MANAGER
IDFC FIRST BANK
06.2020 - 05.2021
Senior Privilege Banker
ICICI Bank
07.2018 - 05.2020
Privilege Banker
ICICI Bank
07.2016 - 06.2018
PGDBM (Banking finance) -
Manipal University Bangalore
B.E Mechanical -
ANNA University
12th -
Sri Gnananda High School
10th -
Gurugnana Sambandhar High School