DHIREN KIRITKUMAR RAJA
Rajkot
Summary
Dynamic professional with over 25 years of experience in retail banking, specializing in customer service, relationship management, and sales within the financial services sector. Proven track record in developing and executing innovative business development strategies, highlighted by successful management of an education center as Managing Partner at Masoom Educators. Recognized for strategic planning capabilities and effective account management, complemented by a talent for streamlining workflows and fostering a collaborative team environment to enhance profitability. Reliable communicator with exceptional relationship management skills, adept at engaging stakeholders at all levels. Committed to driving team success and organizational growth through adaptability and continuous learning.
Overview
26
26
years of professional experience
Work History
Managing Partner
Masoom Educators
Rajkot
05.2022 - Current
- Managed operations of recognized educational classes, ensuring effective curriculum delivery in Rajkot.
- Facilitates recruitment and training processes to enhance educational quality.
- Created and delivered dynamic educational programs in science and social science, resulting in a 100% student pass rate compared to a 70% average.
- Conducted regular assessments of student performance to provide actionable insights for instructional strategies.
- Facilitates curriculum assessment and organized activities to support student learning initiatives.
- Administered account management and assisted with salary distribution to promote financial stability. Supported revenue growth of 25% in the first year and 28% in the second year.
- Facilitated a smooth enrollment process for prospective students, resulting in a growth of student numbers from 60 to 125 in three years.
- Coordinated feedback sessions between parents and teachers to foster a constructive educational environment.
Branch Manager
Citizen’s Cooperative Bank Ltd
Rajkot
02.2019 - 04.2022
- Ensuring that the financials of the branch are under control and the branch adheres to the Know Your Customer (KYC) and Anti-Money Laundering (AML) norms at all times.
- Prima Face scrutiny of Loan Proposal on financial parameters, Customer profile and preparing Branch recommendation note for further submission of proposal to HO.
- CRR Management, Cash Management, Manpower Management, Vendor Management for all (10) Branches.
- Monitoring the Advances portfolio for compliance of pre disbursement and post disbursement terms and conditions as per sanction note.
- Responsible for dealing with external and internal auditors and inspections and compliance.
- Supervising Key Areas including Marketing, Business Channel Development, Team Development, Cost Management, and Revenue Generation.
- Monitoring the branch sales targets, conceptualizing & implementing competent strategies in coordination with the branch team with a view to penetrate new accounts and expand existing ones for a wide range of financial products & services.
- Enhancement of Deposit pool from Customers.
- Branch Administration.
- Regulatory Compliance.
- Overall responsible for break-even and P&L of branch.
- A leading Cooperative sector bank
Proprietor - Direct Sales Associate
Adarsh Consultancy
RAJKOT
07.2017 - 02.2019
- Managed diverse loan product offerings, ensuring tailored solutions for clients in Rajkot, Morbi, Jamnagar, and Kutch.
- Achieved successful loan approvals for home, business, and machinery projects through effective client engagement. Delivered tailored financing solutions for project loans and cash credit requests. Enhanced access to personal and agriculture loans for diverse clientele.
- Analyzed and logged business performance, achieving Rs 170.00 lacs in revenue during a two-month span.
Branch Manager
TJSB Sahakari Bank Ltd
Morbi
02.2016 - 07.2017
- Ensuring that the financials of the branch are under control and the branch adheres to the Know Your Customer (KYC) and Anti-Money Laundering (AML) norms at all times.
- Prima Face scrutiny of Loan Proposal on financial parameters, Customer profile and preparing Branch recommendation note for further submission of proposal to HO.
- Monitoring the Advances portfolio for compliance of pre disbursement and post disbursement terms and conditions as per sanction note.
- Providing advisory services to corporate & high net-worth customers on funds management while maintaining relationship with Key Accounts.
- Responsible for dealing with external and internal auditors and inspections and compliance.
- Supervising Key Areas including Marketing, Business Channel Development, Team Development, Cost Management, and Revenue Generation.
- Monitoring the branch sales targets, conceptualizing & implementing competent strategies in coordination with the branch team with a view to penetrate new accounts and expand existing ones for a wide range of financial products & services.
- Enhancement of Deposit pool from Customers.
- Fee Income.
- Branch Administration, Regulatory Compliance.
- Overall responsible for break-even and P&L of branch.
- A leading Cooperative sector bank
- Financial Year 2016-2017
- Enhanced the deposit pool by securing deposits of Rs 4 Crores through FD and Rs 15 Crores through CASA value.
- Total Business Mix in 13 months – CASA Rs 15 Cr + Advances Rs 40 Cr + Deposits Rs 3 Cr = Total Rs 58 Cr.
- Branch achieved Break even and Profit of Rs 100.00 Lacs within 13 months of operations.
Branch Manager
RBL Bank Limited
Khambhala (Rajkot)
10.2014 - 12.2015
- Ensuring that the financials of the branch are under control and the branch adheres to the Know Your Customer (KYC) and Anti-Money Laundering (AML) norms at all times.
- Providing advisory services to corporate & high net-worth customers on funds management while maintaining relationship with Key Accounts.
- Responsible for dealing with external and internal auditors and inspections and compliance.
- Supervising Key Areas including Marketing, Business Channel Development, Team Development, Cost Management, and Revenue Generation.
- Monitoring the branch sales targets, conceptualizing & implementing competent strategies in coordination with the branch and the sales team with a view to penetrate new accounts and expand existing ones for a wide range of financial products & services.
- Enhancement of Deposit pool from Customers.
- Establishing standards and delivery of service.
- Sale of MF and Insurance products.
- Fee Income.
- Branch Administration.
- Regulatory Compliance.
- Overall responsible for break-even and P&L of branch.
- A leading private sector bank
Branch Manager
RBL Bank Limited
Padra
04.2013 - 10.2014
- Ensuring that the financials of the branch are under control and the branch adheres to the Know Your Customer (KYC) and Anti-Money Laundering (AML) norms at all times.
- Providing advisory services to corporate & high net-worth customers on funds management while maintaining relationship with Key Accounts.
- Responsible for dealing with external and internal auditors and inspections and compliance.
- Supervising Key Areas including Marketing, Business Channel Development, Team Development, Cost Management, and Revenue Generation.
- Monitoring the branch sales targets, conceptualizing & implementing competent strategies in coordination with the branch and the sales team with a view to penetrate new accounts and expand existing ones for a wide range of financial products & services.
- Enhancement of Deposit pool from Customers.
- Establishing standards and delivery of service.
- Sale of MF and Insurance products.
- Fee Income.
- Branch Administration.
- Regulatory Compliance.
- Overall responsible for break-even and P&L of branch.
- A leading private sector bank
Branch Operation Manager
Kotak Mahindra Bank Limited
Dhoraji (New Branch Launch)
01.2013 - 02.2013
- Ensure quality processing and customer service levels.
- Customer Complaints - Ensure zero customer complaints are received from the customers; complaints if received are resolved within TAT.
- Lead the Service Team.
- Ensuring regulatory and procedural compliance.
- Audit of the branch.
- Handling clearing function.
- Authorize and check banking transactions.
- Vault / Key custodian.
- Responsibility as back to Branch Manager.
- Enhancement of Deposit pool from customers.
- Cross Selling - Cross selling TPP products to customers by ensuring best in the industry customer service.
- Manage productivity, morale of branch personnel.
- Actively involved in providing appropriate investment advice to the clients.
- Audit Rating: Well Controlled
- SQ Audit: Well Controlled
- A leading private sector bank
Branch Operation Manager
Kotak Mahindra Bank Limited
Jamnagar
10.2010 - 01.2013
- Ensure quality processing and customer service levels.
- Customer Complaints - Ensure zero customer complaints are received from the customers; complaints if received are resolved within TAT.
- Lead the Service Team.
- Ensuring regulatory and procedural compliance.
- Audit of the branch.
- Handling clearing function.
- Authorize and check banking transactions.
- Vault / Key custodian.
- Responsibility as back to Branch Manager.
- Enhancement of Deposit pool from customers.
- Cross Selling - Cross selling TPP products to customers by ensuring best in the industry customer service.
- Manage productivity, morale of branch personnel.
- Actively involved in providing appropriate investment advice to the clients.
- Audit Rating: Well Controlled
- SQ Audit: Well Controlled
- A leading private sector bank
Branch Operation Manager
Kotak Mahindra Bank Limited
Rajkot
05.2008 - 09.2010
- Ensure quality processing and customer service levels.
- Customer Complaints - Ensure zero customer complaints are received from the customers; complaints if received are resolved within TAT.
- Lead the Service Team.
- Ensuring regulatory and procedural compliance.
- Audit of the branch.
- Handling clearing function.
- Authorize and check banking transactions.
- Vault / Key custodian.
- Responsibility as back to Branch Manager.
- Enhancement of Deposit pool from customers.
- Cross Selling - Cross selling TPP products to customers by ensuring best in the industry customer service.
- Manage productivity, morale of branch personnel.
- Actively involved in providing appropriate investment advice to the clients.
- Audit Rating: Well Controlled
- SQ Audit: Well Controlled
- A leading private sector bank
- Performance Rating: (On scale of 1 to 5, 1 being best and 5 being poor)
- 2008 – 2009: 3
- 2009 – 2010: 2
- 2010 – 2011: 2
- 2011 – 2012: 3
Senior Officer
ICICI Bank Limited
Rajkot
03.2005 - 05.2008
- Vault / Key / Cash custodian.
- Teller Operations including receipts and payments.
- Authorize and check banking transactions.
- Ensure quality processing and customer service levels.
- Ensuring regulatory and procedural compliance.
- Audit of the branch.
- Handling clearing function.
- CASA and TD - Sourcing good CASA accounts and seamless service to the customers on board.
- Cross Selling - Cross selling TPP products to customers by ensuring best in the industry customer service.
- Trade Desk Operations including prima face check of documents for issuance of Bank Guarantee, Letter of Credit, Import and Export Bills, Inward and Outward Remittances.
- Actively involved in providing appropriate investment advice to the clients.
- A leading private sector bank
- Performance Rating: (On scale of 1 to 5, 1 being best and 5 being poor)
- 2005 – 2006: 3
- 2006 – 2007: 3
Executive
Shriram Transport Finance Company Limited
Rajkot, Gujarat
12.2003 - 03.2005
- Prima face scrutiny of documents related to New and Old Truck Finance according to checklist.
- Conducting due diligence and check of Finance Application forms and documents.
- Scrutiny of KYC documents.
- Handling of Customer issues and Service request related to Truck Finance.
- Daily and Monthly MIS to Branch Manager and Head Office.
- Coordination with Sales staff in respect to timely disbursement of finance to customers.
- Safekeeping of Customer records for further inspection and Audit.
- Ensuring timely deposit of PDC and collection activity of monthly instalments.
- Managing Business development activity for Three Wheeler Finance Division.
- A NBFC, part of Shriram Group of Companies, Chennai, working in the field of Financing Commercial vehicles, Two wheeler, Three wheeler, Consumer Durables, Fixed Deposits, Insurance since last two and half decades.
Senior Marketing Executive
Devraj Communications & Publicity
Mumbai
06.2000 - 12.2003
- Supervising Key Areas including Marketing, Business Channel Development, Team Development, Cost Management, and Revenue Generation.
- Monitoring the sales targets, conceptualizing & implementing competent strategies in coordination with the sales team with a view to penetrate new Clients.
- Direct Sales activities related to Space selling to Client for inbound and outbound advertisement.
- Direct Sales activities related to Hardware sales to Corporate Clients.
- Managing after Sales activities such as proof reading, invoicing, collection of payment, AMC and any service issues of Clients.
- A professionally managed firm that provides services like PC Hardware-sales and maintenance and Internet related service.
Education
POST GRADUATE DIPLOMA IN BUSINESS MANAGEMENT - Marketing
Tolani Institute of Management Studies
Adipur, Kutch, Gujarat01.2000
B.Sc. - Chemistry
Gujarat University
Gujarat01.1998
Skills
- Skilled in Word, Excel, and PowerPoint usage
- Profit growth initiatives
- Goal-oriented planning
- Workflow efficiency
- Financial management
- Cost efficiency strategies
PERSONAL DOSSIER
Language Proficiency: English, Hindi and Gujarati
Timeline
Managing Partner
Masoom Educators
05.2022 - Current
Branch Manager
Citizen’s Cooperative Bank Ltd
02.2019 - 04.2022
Proprietor - Direct Sales Associate
Adarsh Consultancy
07.2017 - 02.2019
Branch Manager
TJSB Sahakari Bank Ltd
02.2016 - 07.2017
Branch Manager
RBL Bank Limited
10.2014 - 12.2015
Branch Manager
RBL Bank Limited
04.2013 - 10.2014
Branch Operation Manager
Kotak Mahindra Bank Limited
01.2013 - 02.2013
Branch Operation Manager
Kotak Mahindra Bank Limited
10.2010 - 01.2013
Branch Operation Manager
Kotak Mahindra Bank Limited
05.2008 - 09.2010
Senior Officer
ICICI Bank Limited
03.2005 - 05.2008
Executive
Shriram Transport Finance Company Limited
12.2003 - 03.2005
Senior Marketing Executive
Devraj Communications & Publicity
06.2000 - 12.2003
B.Sc. - Chemistry
Gujarat University
POST GRADUATE DIPLOMA IN BUSINESS MANAGEMENT - Marketing
Tolani Institute of Management Studies
KEY RESULT AREAS
- Banking Operations Management:
- Handling front-end operations for savings, current & fixed deposits, involved in cash management for branch & ATMs as well as extending Priority Banking services.
- Managing NRI Business & handling all trade functions including B.G Issuance, Inward & Outward Remittances, and Bills etc.
- Ensuring 100% compliance to Audit requirements, KYC & AML norms.
- Devising and implementing policies/procedures for all round development and cost control.
- Sales and Marketing/ Business Development
- Managing sales and marketing operations thereby achieving increased sales/maximizing profit in assigned territory.
- Initiating relationships with key decision makers in target organizations for business development.
- Identifying prospective clients from various sectors, generate business from the existing, and thereby achieve business targets.
- Relationship Management
- Managing customer centric banking operations & ensuring customer satisfaction by achieving delivery & service quality norms.
- Attending to investors/ clients (individuals/corporate clients) concerns & complaints and undertaking steps for effectively resolving them.
- Interacting with the customers to gather their feedback regarding the products’ utilities.
- Maintaining cordial relations with customers to sustain the profitability of the business.