Divya S Kumar
High Net Worth Individual Relationship Officer (HNI RO)
EDAKKARA
Summary
Dynamic professional with a proven track record at ESAF Small Finance Bank, excelling in customer relationship management and portfolio growth. Leveraged marketing knowledge and exceptional communication skills to exceed business targets and foster high net worth relationships. Achieved significant service enhancements, demonstrating creativity, innovation, and a keen ability for new business generation.
Overview
9
9
years of professional experience
Work History
Relationship Officer
ESAF Small Finance Bank
10.2023 - 10.2024
- Managing the preferred customers of the bank.
- Achieving the Business targets assigned in terms of cross selling,enhancing and upgrading the High Net Worth relationships.
- Profiling Customers and provide financial products to meet customer needs.
- Ensuring the highest levels of service to the High Net Worth customers.
- Providing financial planning & Investment Advise.
- Sales target spread accross Liabilities,Retail Assets,Business Banking, Forex,Online Trading etc.
- One point contact for all requirements of High Net Worth customers in branch.
- Acquisition & Servicing of High Net Worth Customers.
TELLER
ESAF Small Finance Bank
11.2020 - 09.2023
- Processed customer transactions promptly, minimizing wait times.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Maintained cash drawer accuracy by conducting regular audits and implementing effective cash handling practices.
- Maintained up-to-date knowledge of bank products, services, promotions, policies, regulations to better assist customers with their financial needs.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Demonstrated adaptability during peak business hours by multitasking and prioritizing tasks to maintain efficiency and quality of service.
- Assisted customers with account inquiries, resolving issues promptly and professionally.
- Maintained accurate records of customer transactions in line with bank procedures.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Identified sales opportunities and referred customers to branch partners in financial services.
Branch Sales Officer
HDFC Bank
05.2015 - 01.2017
- Achieved individual and branch targets on consistent basis.
- Maintained in-depth understanding of bank operations, products, and services.
- Connected with account representatives to promote bank products.
- Managed customer inquiries and concerns with speed, efficiency and knowledgeable support.
- Developed strategic plans for day-to-day financial operations.
- Conducted financial due diligence on potential investments and acquisitions.
- Complied with established internal controls and policies.
- Conducted regular market research to identify new opportunities and stay ahead of industry trends, ensuring continued success in a competitive landscape.
- Collaborated with the management team to develop successful sales campaigns, driving business growth and market expansion.
Education
MBA - FINANCE
SRINIVAS INSTITUTE OF MANAGEMENT STUDIES
Mangalore, India 04.2001 -
Bachelor of Commerce - Finance
MARTHOMA COLLEGE
Chungathara 04.2001 -
Skills
Marketing knowledge
Creativity and Innovation
Excellent Communication
Customer Relationship Management
New business generation
Service support
Portfolio Growth
Accomplishments
Qualifier in almost all the contest conducted by the bank.
- Qualified for Ladak Trip last year.
Timeline
Relationship Officer
ESAF Small Finance Bank
10.2023 - 10.2024
TELLER
ESAF Small Finance Bank
11.2020 - 09.2023
Branch Sales Officer
HDFC Bank
05.2015 - 01.2017
MBA - FINANCE
SRINIVAS INSTITUTE OF MANAGEMENT STUDIES
04.2001 -
Bachelor of Commerce - Finance
MARTHOMA COLLEGE
04.2001 -