Jinu Joseph
Thrissur,Kerala
Summary
Financial industry professional with 17 years of experience in banking, trade finance, forex, and insurance. Competent professional with experience across business development, team handling, portfolio handling, corporate client handling, Forex sales and operations, trade finance, relationship management, and statutory compliance.
Overview
17
17
years of professional experience
Work History
Branch Manager
CSB Bank Ltd
04.2024 - 04.2025
- Business Development - Achieve the sales and revenue targets. Also, identify and pursue opportunities to grow the customer base.
- Ensure high standards of customer service, and resolve customer issues, complaints, and escalations to top management.
- Ensure the smooth functioning of all banking services.
- Ensure the KYC/AML norms and risk management to prevent fraud and manage operational risks.
Commercial Banking Group - Relationship Manager
AXIS Bank Ltd
09.2021 - 03.2024
- Identify potential industrial units and plan strategies to increase bank penetration.
- Regularly engage with customers to understand the business changes and upsell opportunities and client satisfaction.
- On-boarding new customers with customized banking solutions and deepen the relationships with existing clients.
- Meet monthly income and business targets.
- Ensure KYC/AML and internal policy adherence to all clients.
Trade Sale Manager
INDUSIND Bank Ltd
10.2019 - 08.2021
- Responsible for meeting income goals across a range of trade finance services such as import, exports, Bank Guarantees, Buyers Credit, FDI/ODI.
- Also cover retail forex products including remittances, FCY Cash, FCY drafts, Traveler's cheque etc.
- Acquire new trade customers and activate the customer and Conduct market scoping in the catchment area to identify the high-potential customers.
- Strategic product suggestions based on competitive analysis and clients needs. Also promote hedging tools.
- Spearheaded the implementation of targeted trade finance solutions by collaborating with cross-functional teams, thereby expanding the clients portfolio and advancing regional revenue growth.
- Forged partnerships with key corporate clients and external stakeholders, expanding the bank footprint in trade finance while cultivating long term business relationships.
Relationship Manager
AXIS Bank Ltd
09.2017 - 10.2019
- Achieve assigned budgets for income from trade finance, forex and derivatives, cash management service.
- Enhancing customer Stickiness in existing base by promoting value added services by means of digital products and various Payments and Collection tools to appropriate clients.
- Accelerated corporate client acquisition by identifying high-potential prospects and leveraging sector insights to present tailored banking solutions aligned with business objectives.
- Strengthened cross-selling initiatives by systematically introducing additional banking products tailored to evolving client financial needs, resulting in broader wallet share and enhanced revenue streams.
- Coordinate with service and credit teams to resolve client concerns and manage portfolio health.
Trade and Retail Forex Sales Manager
HDFC Bank Ltd
01.2013 - 09.2017
- Implemented tailored forex solutions for trade and retail clients, ensuring seamless transactions while maintaining adherence to evolving regulatory frameworks and banking policies.
- Secured and deepened key client relationships by facilitating cross-sell opportunities in trade finance, retail forex, and banking products, contributing to enhanced client retention, and expanded business inflows.
- Directed large-value forex remittance operations, collaborating with relationship teams and branch staff to mitigate transaction risks, and surpass customer turnaround benchmarks.
- Facilitated regulatory audits for trade and retail forex operations, ensuring full compliance and timely resolution of discrepancies, while maintaining seamless day-to-day banking activities.
- Championed end-to-end onboarding and due diligence processes for trade and retail forex clients, aligning documentation and KYC procedures with internal risk management standards and regulatory mandates.
Branch Manager
UAE Exchange & Financial Services Ltd
01.2008 - 01.2013
- Achieve financial targets, including revenue from forex and remittance services, transaction volume, and branch profitability.
- Review documents related to remittance, forex, and other transactions, and respond to audit and AML inquiries.
- Forex retail and bulk sales and purchases, managing money exchange business, banking and company operations, cash management, financial planning, and advising, etc.
- Business Development: expanding the customer base, promoting exchange and remittance services, initiating referral campaigns, and implementing the marketing plans.
- Generate daily, weekly, and monthly reports (MIS) on branch performance, sales targets, staff productivity, and forward them to the supervisor level.
Education
Master of Commerce - Financial management
University of Calicut
India01.2005
Bachelor of Commerce - Travel and Tourism Management
University of Calicut
India01.2003
Skills
- Business development
- Strategic planning
- Market research
- Effective communication
- Team leadership
- Operations management
- Trade finance solutions
- Conflict resolution
- Sales management
- Relationship building and management
- Client acquisition
- Team supervision
- Customer and vendor relations
- Proficient in MS office
Personal Information
- Date of birth: 02/05/1982
- Marital status - married
- Nationality -Indian
- Passport number - AE401492 (visiting visa)
- Languages known: English, Malayalam, Hindi
- LinkedIn - www.linkedin.com/in/jinu-joseph-59430580
Timeline
Branch Manager
CSB Bank Ltd
04.2024 - 04.2025
Commercial Banking Group - Relationship Manager
AXIS Bank Ltd
09.2021 - 03.2024
Trade Sale Manager
INDUSIND Bank Ltd
10.2019 - 08.2021
Relationship Manager
AXIS Bank Ltd
09.2017 - 10.2019
Trade and Retail Forex Sales Manager
HDFC Bank Ltd
01.2013 - 09.2017
Branch Manager
UAE Exchange & Financial Services Ltd
01.2008 - 01.2013
Master of Commerce - Financial management
University of Calicut
Bachelor of Commerce - Travel and Tourism Management
University of Calicut
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