Himanshu Joshi

Key Responsibilities:

• Data Management:Enter and maintain accurate records of valuable company information and data for projects.
• Reporting:Assist in providing status updates and reports on project progress to management and project leaders.
• Coordination:Facilitate communication and coordination between project staff, authorities, and other relevant personnel.
• Project Support:Offer technical assistance and help with the language aspects of project documentation.
• General Duties:Perform various other assigned tasks and activities related to the projects as needed

Core Responsibilities:

• Client Servicing and Support:Assisting the Relationship Manager in all aspects of managing client relationships and providing dedicated support to corporate and individual clients.
• Credit Appraisal:Performing detailed financial analysis of clients' businesses, preparing quality appraisal notes, and collaborating with the risk management team to support credit decisions.
• Documentation:Facilitating the disbursement of funds by coordinating with various internal departments and ensuring all post-disbursement documentation is completed with internal control groups.
• Portfolio Management:Assisting the RM in managing and monitoring the quality of the client portfolio.
• New Business Development:Generating new leads and identifying potential clients under the guidance and supervision of the Relationship Manager.
• Cross-selling:Understanding and promoting the bank's retail liability and asset products to existing and new clients to expand the bank's business.

Key Responsibilities of a Home Sales Officer

• Customer Acquisition: Acquiring new customers and onboarding them in a designated geographic area.
• Customer Engagement: Driving customer engagement and ensuring a positive customer experience.
• Document & Order Management: Collecting necessary customer documents and managing order processes.
• Building Permissions: Obtaining the necessary permissions for building installations.
• Territory Management: Understanding and working within a specific assigned territory.
• Direct Sales Experience: A strong background in outbound and direct sales is often required.

Administrative Duties:

• Communication:Answer and direct phone calls, manage emails and other correspondence, and serve as a point of contact for clients and visitors.
• Organization:Maintain physical and digital files, organize documents, and manage office supplies inventory.
• Scheduling:Coordinate and schedule meetings, appointments, and other events for the CA and other staff.
• General Support:Perform data entry, prepare reports and presentations, and assist with various administrative tasks as needed.

Accounting-Related Duties:

• Bookkeeping:Handle basic bookkeeping tasks, including tracking expenses and processing invoices and payments.
• Record Keeping:Maintain accurate and up-to-date financial records, including ledgers and balance sheets.
• Reporting:Assist in the preparation of financial reports and statements for management review.
• Client Support:Help clients or internal staff fill out forms or retrieve financial documents.

Key aspects of a Sub-KO:

• Operator:A Sub-KO is a secondary Kiosk Banking Agent operated by a family member under the oversight of the primary CSP.
• Function:It provides basic banking services such as cash deposits, withdrawals, and account opening to customers.
• Location:Sub-KOs are typically set up in areas where customers find it difficult to access main bank branches, extending the bank's reach into remote or underserved communities.
• Biometric Security:All transactions at Kiosk Banking points, including those at Sub-KOs, are secured using biometric authentication.
• Commission:The primary CSP is responsible for the Sub-KO and earns commissions from services provided through it, such as account openings and remittances.
• Compliance:The main CSP ensures that the Sub-KO operates according to SBI guidelines and compliance standards.