Joel Christopher
Banking/Fintech Professional
CHENNAI,Tamilnadu
Summary
To thrive in a setting that fosters growth and excellence, to land a position that fulfils me professionally and allows me to grow personally, to improve my working abilities, professional skills, and business acumen, and to serve my organization to the best of my ability with unwavering dedication and willpower. Collaborative leader with dedication to partnering with coworkers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.
Overview
17
17
years of professional experience
Work History
Business Unit Head
Credit Mantri
Chennai
11.2021 - Current
- Form and maintain alliances and cooperative relationships with bank lenders.
- Create and implement a thorough plan for digital collections. This entails establishing long-term objectives, targets, and a plan for the year, handling, and achievement of Recovery target along with P&L Targets.
- Take charge of a group of 10 experts in digital Recovery, data analysis, and digitization. Assist team members with guidance, coaching, and performance reviews, who manages 150+ Callers and digital marketing team.
- To guarantee the security, integrity, and scalability of digital collections, collaborate closely with the IT, audit, and calling teams. Work together with subject matter experts and content providers to improve how user-friendly digital channels are.
- Create and oversee budgets for projects involving digital collections. Align resources optimally to accomplish strategic objectives and show cost-effectiveness.
- To be updated on new developments in digital trends and technologies. Take the lead in acquiring and managing existing partners for digital collections, including bank and NBFC’s.
- To improve access, cooperation, and resource sharing, form and maintain alliances with other organizations, libraries, and establishments. Reach a larger audience by promoting the institution's digital collections.
Assistant Vice President – NRI Banking
Yes Bank
Chennai
09.2019 - 11.2021
- Oversee a group of thirty virtual relationship managers who engage with clients located all over the world with the primary goal of strengthening current relationships and hitting set cross-selling targets.
- With an AUM of more than 800 Cr and 16,000 Unique Customers, this team handling role will drive relationship management with an emphasis on customer satisfaction and increase bank revenue.
- Oversee a group of ten committed NRI account acquisition officers who are actively working on leads that come from branches, websites, self-reference, and other sources.
- In order to grow the market share of remittances from the UAE, Canada, Australia, and Singapore, supervise a team of five Yesremit Officers in charge of the YesRemit remittance platform.
- Ensure that each team member and the team overall, meets the revenue target.
Lead - Sales
Credit Mantri
Chennai
03.2018 - 09.2019
- Oversee a group of 3 Agency Managers, 10 Team Leaders, 175+ Callers, and a quality and process-related training team.
- Functioning out of six agencies dispersed geographically. Manage all vendor agreements, SOs, and billing. reporting to the Head of Sales
- Establish trust with the current clientele and offer cross-selling opportunities for liability products based on their needs. Also present your clientele's profile to the banking and NBFC partners to request help with credit bureau cleanup.
Sales Manager- Digital Channel
HDFC Bank
Chennai
12.2016 - 03.2018
- Manage Digital Channel Application (DAP) Leads from six Chennai-area regions.
- Oversaw a group of 40 agents and 4 TL’s working on Loan sourcing and Documentation involved in the loan processing.
- Assign the field executive to the task of obtaining the customer's documents.
- Work with the Disbursal OPS team and Credit Managers to monitor the case through to disbursement.
- Respond to all consumer inquiries for all logged-in applications.
- Created and presented monthly reports to management on sales performance.
- Actively cross-sell insurance products and CASA products to the clientele in order to increase revenue.
NRI Relationship Manager
Axis Bank
Chennai
02.2016 - 12.2016
- 700 account portfolios are managed, strengthening the relationship between the customer and Bank.
- Manage all NRI inquiries, take care of FOREX, find new clients through branch recommendations or independent sourcing, sell mutual funds and insurance, take care of deposits, sell forex cards, and respond to all client service requests.
- Determined the needs of the client, created solutions specifically for them, and gave informed guidance.
- Conducted research to find possible new clients and analyse market trends.
- Developed profitable long-term partnerships with clients by employing dynamic interpersonal skills, active listening, and effective communication. Cultivated and upheld solid client relationships to guarantee their pleasure and allegiance.
Relationship Officer
Mashreq Bank
Dubai
02.2015 - 10.2015
- Field Sales of Unsecured Loan Products to Customers from Six Emirates Location.
- Credit card Channel Sales done in Dubai, for all the corporate clients.
Assistant Manager-NRI Banking
Citibank
Chennai
12.2007 - 02.2015
- Oversaw a group of forty-five agents and kept an eye on the Sales & Service metric.
- In addition to cross-selling CASA and liability products, products handled include credit cards, insurance, and NRI products.
- Assist and mentor the newly hired members of the Inbound Credit Card and Liabilities Team.
- Oversaw the sales team for credit card-based EMI and loan products.
- Create the team rosters and make sure that the staffing levels and SLA’s are followed.
Marketing Executive
FitnessOne
Coimbatore
11.2006 - 11.2007
- Walk-in clients and phone inquiries are handled by the customer service and retention process.
- Managing relationships with current clients.
Education
MBA - Finance
ICFAI
Tripura04.2025
Bachelor of Science - Hotel Management
PSG College of Arts And Science
Coimbatore04.2006
Skills
- Sales Strategies
- Supervision and Training
- Performance Improvements
- P&L Management
- Budgeting and Cost Control
- Direct Sales
- Financial Planning
- Team Leadership
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
Business Unit Head
Credit Mantri
11.2021 - Current
Assistant Vice President – NRI Banking
Yes Bank
09.2019 - 11.2021
Lead - Sales
Credit Mantri
03.2018 - 09.2019
Sales Manager- Digital Channel
HDFC Bank
12.2016 - 03.2018
NRI Relationship Manager
Axis Bank
02.2016 - 12.2016
Relationship Officer
Mashreq Bank
02.2015 - 10.2015
Assistant Manager-NRI Banking
Citibank
12.2007 - 02.2015
Marketing Executive
FitnessOne
11.2006 - 11.2007
MBA - Finance
ICFAI
Bachelor of Science - Hotel Management
PSG College of Arts And Science
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