DILIP KUMAR TRIPATHI
Noida
Summary
- ACCOMPLISHED BANKER/CAREER OBJECTIVE Performance Driven & Insightful Professional with proven ability and experience of over 15 years in:- Dynamic and result-oriented professional with main forte lying in the areas of Payment Business, CRM, Financial, Insurance, SME, Wealth Management, Retail, Branch Banking Operations & Team Management with comprehensive skills in strategic and time management planning. Currently spearheading as Branch Manager for Shivalik Small Finance Bank At Gandhi Nagar Branch New Delhi, Consumer Banking– Mortgage, Loan Against properties (LAP), Credit Cards, personal Loans, Commercial vehicles / Construction equipment’s, Medical equipment financing etc.
- SME / Business Banking – All type of Funded / Non Funded products. And I have earned overall experience in life insurance, branch banking, general insurance, acquisition, deepening, trade, Forex, current account, saving account, team management, training, NRI banking, sales, marketing, etc.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Branch Manager
SHIVALIK SMALL FINANCE BANK
GANDHI NAGAR NEW DELHI
02.2024 - Current
- Handling front-end operations for savings, current & fixed deposits, involved in cash management for branch as well as extending priority banking services
- Heading complete branch operations with key focus on bottom-line profitability by ensuring optimal utilization of available resources
- Devising and implementing policies/procedures for the all round development of banks as well as reducing overall costs to the bank through various means
- End to End handling of queries / complaints received as mail /post on Social Media Sites/ email from customers
- Handling escalation cases (Customer service /Grievance redressal cell)
- Call customers in case of sensitive and critical cases and to liaise with resolving units like Branches, products, operation etc units, liaise with Vendor/Marketing departments to achieve Operational fulfillment.
Senior Sales Manager (Hybrid)
YES BANK LTD
MAYUR VIHAR PHASE-1
09.2022 - 01.2024
- Analyzing the customer’s investment potential and risk appetite to recommend solution
- Increasing the wallet share of customers through Wealth management propositions like investments, and insurance
- Responsible for achievement of overall Branch Sales target covering various products like Liabilities, Third Party Products, Assets etc and thus increasing Branch Profitability
- Achieving the monthly revenue generation, product sourcing & customer acquisition targets, Providing financial planning & Investment Advise, Acquiring new clients as well as deepening existing relationships by effective client engagement & selling of banking products/ services categorized into fund & non-fund based services like Working Capital commercial Loan, auto loan, Term Loans/business Loan, Trade Finance and all other banking products.
Relationship Manager (Hybrid)
hdfc bank ltd
03.2022 - 08.2022
- Handled efficiently a portfolio size of Rs
- 250 crores
- DEALING WITH ALL LOAN PRODUCTS ACCORDING TO CUSTOMER REQUIREMENT
- Meet the business objectives initiated by the respective higher management
- Customer focused need-based selling
- Deepen customer relationship and maximize penetration
- Analyzing the customer’s investment potential and risk appetite to recommend solution
- Increasing the wallet share of customers through Wealth management propositions like investments, and insurance
- Suitably guided the customers` to meet their financial goals by effectively Ensure nil Customer complaints
BRANCH SALES MANAGER
IDFC FIRST BANK LTD
NOIDA SECTOR-110
11.2021 - 03.2022
- Responsible for achievement of overall Branch Sales target covering various products like Liabilities, Third Party Products, Assets etc and thus increasing Branch Profitability
- Achieving the monthly revenue generation, product sourcing & customer acquisition targets, Providing financial planning & Investment Advise, Acquiring new clients as well as deepening existing relationships by effective client engagement & selling of banking products/ services categorized into fund & non-fund based services like Working Capital commercial Loan, auto loan, Term Loans/business Loan.
Sales Manager-Current Account (East Delhi)
ICICI BANK LTD
08.2016 - 10.2021
- I have work with icici bank more than five year as a Sales Manager Current account and I was handling the three branches of preet vihar region one is laxmi nagar branch,Saini Enclave Branch and another one is Anand vihar branch and total Team size of Twelve person are reporting to me there
- Achieve team sales target and increase sales productivity
- Segment focus, customer focus needs-based selling
- Achieve segment relationship penetration, multi-product selling or bundles around anchor product
- Arrange / create sales activities
- Build and manage relationship with business partners / intermediaries / channels
- Focus has to be on acquiring new customer relationship along HNI segments for both Assets and Liabilities.
PB-Sales Hdfc Bank (Noida Sector-18)
hdfc bank ltd
08.2014 - 08.2016
- Updateing of CCM (Customer Contact Management) of Portfolio customer and Maintained CTG (Customer To Group) and IPH (Income product holding ratio )
- Generate leads and educate customers about new products & their benefits
- Identify opportunity for cross-sell of new products
- Handled efficiently a portfolio size of Rs
- 35 crores
- DEALING WITH ALL LOAN PRODUCTS ACCORDING TO CUSTOMER REQUIREMENT
- Meet the business objectives initiated by the respective higher management
- Customer focused need-based selling
- Deepen customer relationship and maximize penetration.
PB-Welcome Desk (gurgaon Sector-29)
hdfc bank ltd
03.2012 - 07.2014
- Customer Service Management: Handled Branch Operations & cross sales of MF/LI/GI etc…with an average footfall of 200+ customers per day
- Monitored regulatory, audit, compliance and control measures at the branch
- Ensuring Customer Service at Set Service Levels
- Cash Management Service (CMS): Processing of Cheques deposited under CMS (Cash Management Service) in CMS Software
- Coordaining with the CMS Hub for realization of Cheques and escalated complains
- Ensuring compliance of NRE Source of Funds
- Clearing Function: Was responsible for the Clearing functions
- Managing a team (including outsourced staff) in processing of Inward and Outward Clearing Cheques
- Management of Funds by liasoning with other banks
- Lodgments of Outstation Cheques, IBC Cheques, Hundis and ensuring realization of the cheques.
Relationship Officer Current Account
KOTAK MAHINDRA BANK LTD
05.2011 - 02.2012
- Handling the portfolio of hni current account and taking the references from my existing client for acquiring the new current account and also acquiring the trade current account and dealing all trade forexs transactions
- Handling the loan product also for business requirement for walking and existing customer
- Suitably guided the customers` to meet their financial goals by effectively managing their asset by Fixed Deposit, Mutual Funds, Insurance and Loans
- Coordinated with the retail assets and business banking teams towards the disbursal of HL, PL, BL, and working capital cases
- Drove the cross sell activities at the branch towards wealth and asset leads generation
- Handled efficiently a portfolio size of Rs
- 15 crores
- Generated revenue for the bank by activating the transaction mandate for customers across trade, treasury and cash management products
- Understood the investment needs and risk profile of my clients by assessing their overall exposure
- Defined performance goals at the start of the year in discussion with the reporting manager and ensured that the goals are monitored and achieved during the course of the year
- Managed customer relationships; addressed both service & sales queries for customers with an objective to engage & retain customers.
Senior Sales Officer
HDFC BANK LTD
04.2010 - 04.2011
- Dealing with walking customer in the branch and generating the business through activity and cold calling near by the branch
- Acquiring new ca and sa product as per our set of target of the branch and also dealing all third party product
- Taking the references from the existing client and meet these customer on daily basis
- Understood the investment needs and risk profile of my clients by assessing their overall exposure
- Effectively managing all the branch functions such as Branch, Lobby Management, Assets & their process
- Ensuring that staff has adequate knowledge of KYC, Products & process Maintain continuous customer engagement through customer visits/profiling/contacts, and proactively resolve customer issues/queries
- Expansion of existing Client Base through constant acquisition of new clients through referrals
- Played a key role in acquisition of new HNI clients either through cold calls or referrals from existing clients
- Managed the most profitable customers, exceed the said targets for income and portfolio quality and therefore, helped the branch in achieving its business objectives
- Ensured all performance standards are met viz
- Business targets, expansion of internal and external relationships, drive sales, implement strategies to grow market share.
Education
Bachelor of Commerce - Account And Finance
M.G.K.V.P University, Varanasi
08-2008
12th - Commerce
N.P.Inter College
Mughalsarai,Uttar Pradesh05-2005
10th -
J.B.Inter College
05-2003
Skills
- Wealth Management
- Branch Banking Operations
- Team Management
- Strategic planning
- Time management planning
- SME / Business Banking
- Banking Operations
- Business Development
- Sales strategy
- Customer Experience
- Operational quality
- Responsive selling
- Nil customer complaints
- Analyzing customer investment potential
- Risk appetite
- Increasing wallet share
- Providing financial planning
- Training and Development
- Team Supervision
- Product Training
- Business Planning
- Investment Advise
- Acquiring new clients
- Customer focused need-based selling
- Achieving team sales target
- Customer focused need-based selling
- Revenue generation
- Achieving team sales target
- Managing customer relationships
Accomplishments
- Awarded Certificate of Appreciation for qualification for outstanding performance in Rishikesh calling life insurance contest in feb 2024 by Insurance Head of SHIVALIK SMALL FINANCE BANK LTD.
- Awarded Certificate of Appreciation for qualification in New Year Bonanza contest in Jan 2023 by Zonal Business Head & Regional Head of YES BANK LTD.
- Awarded outstanding performance in League of Extraordinaire in Life Insurance Dec 2022 by Country Head of YES BANK LTD.
- Awarded outstanding performance in Life Insurance all team activation on fee base product in NOV 2022 by Regional Head of YES BANK LTD.
- Awarded Certificate of Regional Drive CMS Championship June 2021 By Product head-cms of icici bank.
- Awarded for Excellence CA servicing NCA Customer in year 2019 by Retail Business Head of ICICI BANK.
- Awarded outstanding performance in NCA productivity ytd in year 2018 by zonal head of ICICI BANK.
- Awarded outstanding performance in Life Insurance ytd in year 2018 by zonal head of ICICI BANK.
- Awarded certificate of achievement in Life Insurance in year 2016 by Zonal head of HDFC BANK.
- Awarded certificate of achievement in Life Insurance training programme in port blair in year 2015 by country head-retail branch banking of HDFC BANK.
- Awarded certificate of achievement in Life Insurance in J.A.T Winter Carnival in year 2014 by branch banking head of HDFC BANK.
- Awarded 2nd prize in cricket match in college in year 2007
- Won 1st prize in dance competition in year 2005.
- Awarded 2nd prize in race at school level 2004.
Father'sname
Mr. Shubhash Chandra Tiwari
Mother'sname
Mrs. Kanti Tiwari
Personal Information
- Date of Birth: 01/12/87
- Nationality: Indian
- Marital Status: Married
Languages
- English
- Hindi
Projects
Study of promotional measurement during graduation for 3 weeks at last year.
Training
- Business Communication
- Sales Skills
Disclaimer
I hereby, declare that all the statements made in the CV above are true and correct to the best of my knowledge and belief.
Certification
- NISM Series V-A: Mutual Fund Distribution Certification
- IRDA Certification
Timeline
Branch Manager
SHIVALIK SMALL FINANCE BANK
02.2024 - Current
Senior Sales Manager (Hybrid)
YES BANK LTD
09.2022 - 01.2024
Relationship Manager (Hybrid)
hdfc bank ltd
03.2022 - 08.2022
BRANCH SALES MANAGER
IDFC FIRST BANK LTD
11.2021 - 03.2022
Sales Manager-Current Account (East Delhi)
ICICI BANK LTD
08.2016 - 10.2021
PB-Sales Hdfc Bank (Noida Sector-18)
hdfc bank ltd
08.2014 - 08.2016
PB-Welcome Desk (gurgaon Sector-29)
hdfc bank ltd
03.2012 - 07.2014
Relationship Officer Current Account
KOTAK MAHINDRA BANK LTD
05.2011 - 02.2012
Senior Sales Officer
HDFC BANK LTD
04.2010 - 04.2011
Bachelor of Commerce - Account And Finance
M.G.K.V.P University, Varanasi
12th - Commerce
N.P.Inter College
10th -
J.B.Inter College