Emmanuel Joseph
Banking Operation and Sales
Kollam
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
15
15
years of professional experience
7
7
years of post-secondary education
2
2
Certifications
3
3
Languages
Work History
Key Accounts Manager- Sales & Operations
Paytm Payment Services
12.2023 - Current
- To manage merchant acquiring business of the zone
- Addressing to Merchant problems including Maintenance of POS Terminals, Merchant Training etc
- Compliance of regulatory requirements and conducting due diligence
- Ensure smooth onboarding process.
- Streamlined internal processes to ensure timely delivery of products and services to clients.
- Provided valuable insights to product development teams based on customer feedback, driving innovation in offerings.
- Negotiated contract terms and pricing, securing profitable deals for the company.
- Tracked key performance metrics regularly, ensuring constant improvement in account management strategies over time.
- Boosted client satisfaction by developing and maintaining strong relationships with key accounts.
- Implemented account plans to enhance customer retention and optimize business potential.
- Established trust-based relationships with clients by consistently exceeding expectations regarding communication, responsiveness, and issue resolution.
- Resolved customer issues promptly, fostering loyalty and strengthening long-term relationships.
- Trained teams to optimize service delivery in alignment with individual needs to boost customer satisfaction.
- Facilitated strategic meetings with key stakeholders to understand customer needs and develop action plans.
- Conducted economic and demographic research and analysis to produce critical reports.
- Fielded customer complaints and facilitated negotiations, resolving issues and reaching mutual conclusions.
- Recorded accurate and efficient records in customer database.
- Maintained current knowledge of evolving changes in marketplace.
Branch Head- Retail Branch Banking
ESAF Small Finance Bank
05.2023 - 12.2023
- Maintained accurate records of all transactions, ensuring audit compliance and data integrity.
- Maximized employee engagement through regular communication, recognition programs, and team-building activities.
- Streamlined operational processes for improved efficiency and cost reduction.
- Optimized resource allocation to ensure efficient branch operations while meeting financial targets.
- Implemented innovative marketing campaigns to expand the branch''s market presence and attract new clients.
- Managed risk by ensuring adherence to regulatory requirements and internal policies.
- Conducted thorough credit analysis to minimize potential losses from delinquent accounts.
- Collaborated with other branches for knowledge sharing and best practice implementation, strengthening overall organizational performance.
- Forged solid partnerships with local businesses and community organizations to enhance the branch''s reputation in the market area.
- Maintained friendly and professional customer interactions.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Engaged employees in business processes with positive motivational techniques.
- Implemented service improvements to enhance sales cycle.
- Complied with regulatory guidelines and requirements.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Examined customer loan applications for loan approvals and denials.
Zonal Sales Manager- Sales and Operations
State Bank of India Payment Services
06.2020 - 04.2023
- Managed a diverse portfolio of accounts, ensuring consistent revenue generation from multiple sources.
- Led a high-performing sales team to exceed targets and improve overall performance.
- Optimized pricing strategies based on industry trends and client needs, balancing profitability with competitiveness.
- Provided regular feedback to senior management on market trends, recommending adjustments to business strategy as needed.
- Streamlined internal communication processes, improving collaboration among cross-functional teams.
- Demonstrated products to show potential customers benefits and advantages and encourage purchases.
- Managed accounts to retain existing relationships and grow share of business.
- Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.
- Directed sales support staff in administrative tasks to help sales reps close deals.
Deputy Manager- Sales Operation
ICICI Bank Ltd- Kollam, Kerala
07.2016 - 05.2020
- Ensure smooth account opening process of the region
- Ensuring full compliance with AML regulations and performing due diligence to minimize risk exposure
- Improved team efficiency by streamlining processes and implementing innovative management strategies.
- Perform independent check of KYC information provided by account sourcing channel.
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Streamlined and monitored quality programs to alleviate overdue compliance activities.
Assistant Manager- Operations
Muthoot Finance Ltd- Kollam
04.2009 - 02.2014
- Bank reconciliation
- Supervised all banking operations
- Perform independent check of KYC information provided by front office desk
- Courteously responded to customer inquiries
- Maintained staff payroll information and ensured timely disbursements
- Evaluated and determined approval of loan and credit request
- Maintained database of all banking transactions
- Prepared daily spreadsheets of account activities
- Implemented quality assurance initiatives to minimize errors in operations, improving overall efficiency levels.
- Evaluated operational metrics regularly to identify areas for improvement and implement corrective actions accordingly.
- Collaborated with cross-functional teams to achieve overall business objectives and improve operational performance.
- Handled escalated customer complaints effectively by resolving issues while maintaining strong client relationships throughout the process.
- Ensured compliance with industry regulations, company policies, and safety standards to maintain a secure working environment.
- Reported issues to higher management with great detail.
- Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
- Monitored daily cash discrepancies, inventory shrinkage and drive-off.
Education
Master of Commerce (Finance) - M.Com
Madurai Kamaraj University
Kollam, India 04.2014 - 04.2016
Bachelor of Commerce (Cooperation) - B.com
Kerala University
Kollam 04.2005 - 04.2008
Plus Two - Science
Sree Narayana Trust HSE
Kollam, Kerala 04.2003 - 04.2005
ICSE -
Trinity Lyceum High School
Kollam, Kerala 01.2003 - 04.2003
Tally Financial Accounting And ICB
The Chapter College
Kollam, India07.2008
Skills
- Data-driven decision-making
- Technical understanding
- Relationship Management
- Regulatory Compliance
- Services optimization
- Key Account Management
- Account Retention
- Customer rapport
- Business Development
- Account Management
- Excellent Communication
- Teamwork and Collaboration
- Opening and closing procedures
- Time Management
- Cash Handling
- Written Communication
- Problem-Solving
- Interpersonal Communication
- Point of sale operation
- Professionalism
- Self Motivation
- Problem-solving abilities
- Continuous Improvement
- Adaptability and Flexibility
- Task Prioritization
Personal Information
- Age: 38
- Date of Birth: 11/18/1985
- Marital Status: Married
- Religion: Christian
References
- Mobin J, Circle Sales Head- Kerala, SBI Payment Services, 9645959007
- Naveen Charley, Regional Head-Kollam, ICICI Bank, 8129501341
Certification
Certified Book Keeper-ICB
Timeline
Key Accounts Manager- Sales & Operations
Paytm Payment Services
12.2023 - Current
Branch Head- Retail Branch Banking
ESAF Small Finance Bank
05.2023 - 12.2023
Zonal Sales Manager- Sales and Operations
State Bank of India Payment Services
06.2020 - 04.2023
Deputy Manager- Sales Operation
ICICI Bank Ltd- Kollam, Kerala
07.2016 - 05.2020
Master of Commerce (Finance) - M.Com
Madurai Kamaraj University
04.2014 - 04.2016
Assistant Manager- Operations
Muthoot Finance Ltd- Kollam
04.2009 - 02.2014
Bachelor of Commerce (Cooperation) - B.com
Kerala University
04.2005 - 04.2008
Plus Two - Science
Sree Narayana Trust HSE
04.2003 - 04.2005
ICSE -
Trinity Lyceum High School
01.2003 - 04.2003
Tally Financial Accounting And ICB
The Chapter College
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