Jojy Tharayil

• Leading and Managing Branches: Supervise and guide branch managers and their teams within the cluster.
• Strategic Planning and Execution: Develop and implement strategies to achieve business goals, including revenue targets and operational efficiency.
• Performance Management: Monitor branch performance, identify areas for improvement, and implement corrective actions.
• Customer Service: Ensure high standards of customer service and relationship management across all branches.
• Compliance: Oversee adherence to all relevant regulations and bank policies within the cluster.
• Business Development: Drive business growth and expansion within the assigned geographical area.
• Team Leadership: Mentor and develop branch staff, fostering a culture of excellence and accountability.

• Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
• Drove cross-selling efforts by collaborating with various departments within the organization to maximize revenues from existing clients.
• Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
• To maximize profits and CASA for the branch.
• Provided feed back to the employees by constantly reviewing their performance
• Providing Better Customer service to the existing and New To branch customers
• To prevent Fraud and maximize profits of the branch.

• Increased customer satisfaction with personalized service strategies and superior problem-solving skills.
• Implemented risk management protocols, reducing financial losses due to fraud or operational errors.
• Coordinated with other departments to resolve customer complaints promptly, enhancing overall client experience.
• Conducted regular audits of branch operations to identify areas for improvement and implement corrective actions.

· Acquisition of new wealth management accounts from High Net worth Clients.

· Enhancing Relationship value from existing clients.

· Motivating Lobby acquisition Officer and May I Help You Desk for NTB Acquisition and Cross Selling of Wealth products.

· Building of investment portfolio for wealth management customers.

· Evaluating risk appetite and investment objective of the customer.

· Cross selling of wide range of investment products like Mutual Funds, Gold, Life Insurance, Pension plans, structured products like Real Estate funds etc.

· Assisting Branch Relationship Officers for outbound sales calls.

· Acquisition of New To Bank Savings and Current accounts

· Cross selling of investment products like Mutual funds, Gold, Life Insurance thereby meeting monthly sales targets.

· Deepening relationship and service to new customers.