Jaganathan R
Banker
Chennai,TN
Summary
A Competent Professional with over 16 Years of experience in Branch Banking Operations -Retail Branch banking Operations,Customer Service, Teller & Teller Authorizer,Branch Service Delivery, Customer Relationship Management, Account Opening Desk, Audit & Compliance, Capability Building and Team Handling.
A Strategic planner with expertise in managing customers, Skillful in building relationship with internal/external bodies for smooth business operations.
Possess effective communications, interpersonal, problem solving skills ,negotiation, presentation, relationship and Strong leadership skills with a proven ability to manage extremely busy and high-pressure schedules effectively.
Overview
18
18
years of professional experience
2
2
Certifications
Work History
Branch Operation Head – BOH
DBS Bank India Ltd.
05.2023 - Current
- Responsible for Branch Operations, Objective Handling , Service Delivery,Complaints,Account Opening, Legal Correspondence, Inter/Exernal Regulators compliance, Audit & Compliance and Team Handling
- Maintenance of CRL (Cash Retention Limit) + ATM & Monitoring of suspense accounts/proxy accounts / GLs & reconciliation, Handled Cash, Transfers, Clearing, Lockers, Salary uploads, Fixed Deposits, and Non – Financial operations.
- Adherence to EOD checklist and monitoring of Nostro and partner bank entries for pendency, ageing items and all supervisory controls.
- Ensure Adherence to RBI’s Directive on Customer Service at Banks particular attention to: Lockers, Deliverables, Dual Control and Key handling, Notice Board Guidelines, Mandatory displays inclusive of upkeep of Chq drop box, CCTV review.
- Achieving sales budget individually and driving the team, Periodical training to team members and new joiners.
Senior Manager- Service Delivery Manager
RBL Bank Ltd.
05.2021 - 05.2023
- Supervise the day to day functions of the branch and provide expert guidance, as and when necessary. Act as an advisor and provide analytical support in planning and decision making process of the branch.
- Handled Cash, Transfers, Clearing, Lockers, Salary uploads, Fixed Deposits, and Non – Financial operations.
- Verification of all branch financial transactions which includes Transfers, NEFT/RTGS, Demand draft, Fixed Deposits, Recurring Deposits, Forex Transactions, Death claim, Reporting of Suspicious transactions, Locker operations and Handling Regulatory notice.
- Processing of saving account and current account opening forms, Monitoring of high value transactions in newly opened accounts.
- Achieving sales budget individually and driving the team, Periodical training to team members and new joiners.
Manager-Branch Operations Head
AXIS Bank Ltd.
09.2019 - 01.2021
- Supervise the day to day functions of the branch and provide expert guidance, as and when necessary. Act as an advisor and provide analytical support in planning and decision making process of the branch.
- Handled Cash, Transfers, Clearing, Lockers, Salary uploads, Fixed Deposits, and Non – Financial operations.
- Verification of all branch financial transactions which includes Transfers, NEFT/RTGS, Demand draft, Fixed Deposits, Recurring Deposits, Forex Transactions, Death claim, Reporting of Suspicious transactions, Locker operations and Handling Regulatory notice.
- Processing of saving account and current account opening forms, Monitoring of high value transactions in newly opened accounts.
- Achieving sales budget individually and driving the team, Periodical training to team members and new joiners.
Assistant Manager
YES Bank Ltd.
06.2017 - 09.2019
- Ensuring implementation of all branch process and policies as per guidelines ensure monitoring of all suspense account and timely reversals ensure zero counter returns in clearing for any reason timely reconciliation,Handling Audit & Compliance.
- Customer service delivery communication internal external and timely resolution of customer complaints or queries received less than 2 percent Q and D ration in account opening documents sent to NOC maintain branch upkeep and hygiene standards ensure superior and consistent service are all the times.
- Nil operational loss and losses incurred during the year in the branch BCP RCSA testing done and completed for branch Fraud prevention proactively raising the alert for frauds integrity issue observed both customer initiated or employee initiated potential loss events observed and mitigated all transactions to be as per process and guidelines number of transactions error and instances of cash shortage excess.
- Ensure proper record of destruction of deliverables is maintained.
- To handle balance enquiries/ brief transaction queries/ statement or balance confirmation certificate issuance to customers.
- To process stop payment/ hot-listing requests immediately upon receipt of the same,Vault key custodian and FRFS key custodian.
- Monitoring and timely indenting of branch stationery requirement,Attending the customer requests and complaints received at the branch
- Handling Non-cash operations (Deposit/FCY/RTGS/NEFT),Handling the deliverable at the branch.
- Check whether the deliverables Issued/destroyed at branch are as per the process,Handling outward cheque returns at branch.
- Handled Death claim process and ensure that the accounts are closed at TAT.
- Interact with portfolio customers and cross sell various products.
Assistant Manager
HDFC Bank Ltd.
09.2013 - 05.2017
- Handling Teller Cum Teller Authoriser related to Cash Operation.
- Handling in Inward & Outward clearing related to Clearing Operation,Proficient in Audit Compliance and Branch administration.
- Proficient in Foreign Currency Transaction related to FOREX Market.
- Proficient in Stock broking and Mutual fund studies related to Merchant Banking.
- Excellent interpersonal & communication skills with strong abilities in Customer relationship management.
- Following bank processes when performing transactions,Reporting any suspicious customer activity to bank managers.
- Lobby Management, Resolution of customer queries/complaints.
- Generate business, cross sell,Retention of existing portfolio,Corporate sales processing.
- Monitoring of dummy accounts, suspense accounts, deferred accounts, accounts payable/ receivable.
- Reconciliation and maintenance of suspense accounts register as per the required format.
Resource Manager
IDBI BANK LTD (IDBI INTECH)
05.2011 - 06.2013
- Handle the entire spectrum of recruitment activities across Tamilnadu region– recruiting FOS/Executives, BOA, sales Managers and Territory sales manager covering of total 42 branches.
- Manpower recruitment for all departments like Retail liabilities,Currency chest/Back office/ICMS/Mutual fund/RAC/ABG/CCU/ME Departments.
- Obatining joining approvals from Corporate Office, Joining Codes for the FOS, ensuring the new joinee’s get their Offer letters on time, Attendance & Salary file Processing, ESIC Co – ordination with ESIC officials for generating the smart cards and taking care of all ESIC related issues, Handling of complete exit process for the employees, and Full & Final Settlement, PF File Processing and PF related issues.
- Acting as one point contact for all administrative matters like Time keeping and attendance, and compensation of employees.
- Maintain a flawless communication with the employees; ensure timely resolution of employee grievances and harmonious working environment.
- Coordinating for Monthly attendance for payroll inputs.
- Entrusted with the task of maintaining data base of all employees, and preparation of various Forms.
- To ensure that Attrition is maintained at desired level.
- (on assignment of IDBI INTECH LTD)
- Lead Generation -An important part of the sales process is generation of quality leads. All leads are to be entered in CRM Next. To generate referrals for all liability products including NR.
Customer Support Executive - Vodafone (Trichy)
First Source Solutions
01.2008 - 01.2011
- Handling in- bound calls – Customer issue resolution
Education
Bachelor of Commerce (B.com) -
National college
Trichy01.2007
Skills
MS Tools :Words, Excel , Power Point
Operating System: MS OFFICE
BRS : Bank Reconciliation Statement
CRM Next :Sales Force Automation
CRM Next :Sales Force Automation
Omni Flow : Customer details Software
Finacle :Core Banking Software
Flex Cube :Core Banking Software
Accomplishments
- Silver Star Award in HDFC Bank Ltd
- Best performer in IDBI Bank Ltd
- Product of the champion YES BANK LTD
Certification
IRDA
Timeline
Branch Operation Head – BOH
DBS Bank India Ltd.
05.2023 - Current
Senior Manager- Service Delivery Manager
RBL Bank Ltd.
05.2021 - 05.2023
Manager-Branch Operations Head
AXIS Bank Ltd.
09.2019 - 01.2021
Assistant Manager
YES Bank Ltd.
06.2017 - 09.2019
Assistant Manager
HDFC Bank Ltd.
09.2013 - 05.2017
Resource Manager
IDBI BANK LTD (IDBI INTECH)
05.2011 - 06.2013
Customer Support Executive - Vodafone (Trichy)
First Source Solutions
01.2008 - 01.2011
Bachelor of Commerce (B.com) -
National college
EXTRA CURRICULAR ACTIVITIES
Cricket “Trichy” District Cricket Association” winner (2005-2006) Third Division (National College) Inter - Class Sports Runner in Cricket (2005-2006) Inter - Class Sports Runner in Volley Ball (2005-2006) Grading-A’ National Integrations Camp Junior Division (2001) in Rajasthan Alwar (Plance) Annual Training Camp. Cricket “Trichy” District Cricket Association” winner (2005-2006) Third Division (National College) Inter - Class Sports Runner in Cricket (2005-2006) Inter - Class Sports Runner in Volley Ball (2005-2006) Grading-A’ National Integrations Camp Junior Division (2001) in Rajasthan Alwar (Plance) Annual Training Camp.
DECLARATION
The Information given by me is true to the best of my knowledge and faith. I am solely responsible for its accuracy. I further affirm that, I will take utmost care of submitting the relevant certificates or documents in support of above information at any point of time.
Personnel Details
- Father's Name : Mr.S Ramachandran
- Gender : MALE
- Date of Birth : 17 Aug, 1986.
- Nationality : Indian
- Permanent Address : Flat No:S2, 2nd Floor, Sri Balaji Apartment, Plot No:14, Iyappa Nagar, Nanmangalam Chennai -600129.