DIVYA MISHRA
Branch Manager
Chandigarh,PB
Summary
Highly accomplished banking professional with around 7 years of experience across all aspects of bank management/operations, including branch administration, collections, service operations, account management, customer service, staff coordination, and product/service sales. Adept at handling cash transactions, tracking cash deposits, credit and financing policies & procedures, banking regulations, interacting with new and existing individual/business clients, and generating new business. Known for maintaining relationships with clients to achieve quality product & service norms by resolving their service-related issues; perform all banking operations effectively & efficiently, coordinating with various branches, and managing a variety of branch banking operations. Demonstrated mastery in leading and developing innovative strategies that increase sales and expand the existing customer base, improve brand/product evolution, and enhance efficiency. Well-honed leadership skills, able to inspire positive change and build teams, empowering employees towards attainment of goals while prudently managing human and financial resources.
Overview
14
14
years of professional experience
Work History
Branch Manager
UNION BANK OF INDIA (Formerly Corporation Bank)
06.2019 - Current
- Currently responsible for spearheading all aspects related to business development, customer care, credit management, and operations.
- Oversee the entire customer base, including government accounts, corporate accounts, and other key accounts. Ensure all staff members work in compliance with the required service standards.
- Responsible for efficient branch operations by monitoring all balances and deposits to ensure all money in the bank is accounted for and proper procedures are followed at all times.
- Schedule work and participate in bank meetings, and ensure the resolution of all customer concerns.
- Strictly adhere to toll processes/procedures of the bank and ensure compliance with rules & regulations of the bank, including the latest circulars and notifications.
- Conceptualize and implement competitive strategies to penetrate new accounts and expand existing ones for a wide range of banking products/services.
- Render customer-centric banking operations, forwarding customer instructions to the concerned department, and ensuring customer satisfaction by achieving delivery and service quality norms.
- Produce budget forecasts, expenditure, and revenue reports, and develop goals and long-term financial plans.
- Gained rich experience in maintaining credit standards and loan procedures. Verify information on loan applications before making a decision/approval.
- Track all deposits and approve client loans and line of credit requests. Ensure confidentiality with all banking transactions.
- Assistant Manager, Nawada | Jun 2015 – May 2019
Senior Executive
Power Exchange India Limited
01.2012 - 03.2013
- Efficiently handled all regulatory, utilities, renewable and open access markets of Uttarakhand and Uttar Pradesh states.
- Established and maintained long-term relationships with Traders and clients in the NCR region, ensuring the highest levels of satisfaction.
- Played a key role in business development and client service for the company via branding and acquiring new clients while simultaneously serving existing clients to buy/sell power.
- Created product development strategy efforts as per Buyers’ and Suppliers’ requirements.
- Attended meetings with power sector utilities, industrial consumers, and corporates to provide information and innovative realization of new products.
- Coordinated with customers, cross-functional departments, and suppliers in preparing work schedules and resource time plans; followed-up with various suppliers for production assistance.
- Key Highlights:
- Distinction of handling a considerable customer base comprising of 15000 customers.
- Augmented business by ₹300Cr after joining the bank.
Education
MBA - Power Management
University of Petroleum & Energy Studies
BE - Electronics & Communications
Amity University
LucknowSkills
Branch Management
Supervising Operational Procedures
Goal Setting
New Client Acquisition
Business Development
Customer Satisfaction
EXTRAMURAL ACTIVITIES
Core part of the college Volleyball team; represented the team at the state level. State-level Gold Medalist in Short put and 100m mix Relay race. Vice President, UPESs Cultural and Event Club. Member, Editorial Team of College Journal. Core part of the college Volleyball team; represented the team at the state level. State-level Gold Medalist in Short put and 100m mix Relay race. Vice President, UPESs Cultural and Event Club. Member, Editorial Team of College Journal.
PROFESSIONAL DEVELOPMENT
- 4-year Course in Behavioral Sciences, Amity University
- 4-year Course in the German Language
- 4-year Course in Communication Skills, Amity University
Timeline
Branch Manager
UNION BANK OF INDIA (Formerly Corporation Bank)
06.2019 - Current
Senior Executive
Power Exchange India Limited
01.2012 - 03.2013
BE - Electronics & Communications
Amity University
MBA - Power Management
University of Petroleum & Energy Studies