Kaustav Ghosh
Agartala
Summary
With five years of dedicated experience in retail branch banking at HDFC Bank Ltd, excelling in compliance and customer service. Proven track record in cross-selling strategies and team supervision, enhancing customer relationships and driving operational efficiency. Adept in digital banking and audit compliance, consistently achieving high standards in branch administration.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Branch Operational Manger
HDFC BANK LTD
Jirania
01.2023 - 09.2024
- Managing all operational activities of the Branch and ensuring proper and timely delivery of customer service
- Supervise & Monitor Personal Banker, teller, and contract staff in terms of productivity &other issues
- Resolution of customer queries/complaints
- Checking day-end reports to ensure error-free transactions
- Lobby Management
- Monitoring all Dummy accounts
- Branch administration
- Generate business, cross-sell, and monitor cross-sales of Personal Bankers
- Deepening the relationship with existing customers who walk in, through the cross-selling of all products and services.
- Checking AOF and ensuring control of all hygiene parameters (FTNR, Activation, Depletion).
- Branch Operations and Audit Compliance
- Handling service quality and main Audit of the branch
- Teller counter supervision
- Cash management and liaison with Currency Chest
- FX transactions authorisation /supervision and reporting
- Checking/ Monitoring of EOD reports (BJR/ Instruments issued report/ EOD cash position etc)
- Monitoring of dummy accounts, suspense accounts, deferred accounts, accounts payable/ receivable, Reconciliation, and maintenance of suspense accounts register as per the required format
- Reporting of fortnightly Suspense/Suspect/TOD reports
- Reporting of all Large cash transactions
- Identification and Closure of TOD accounts on a regular basis
- Reduction or Closure of High Transacting Customers
- Migrating customers to digital banking
Personal Banker Welcome Desk
HDFC BANK LTD
Agartala
04.2021 - 01.2023
- Certify documentation for a/c opening, ensuring compliance with KYC norms
- Increase customer wallet size by selling asset and liability products
- Attend to and resolve customer queries promptly within defined timelines
- Maintain extensive knowledge of all products and services offered
- Perform various customer service tasks including salary transfers, balance inquiries, fund transfers, and loan-related services
- Manage branch lockers and handle related instructions
Personal Banker Teller
HDFC BANK LTD
Agartala
06.2019 - 04.2021
- Organised, stocked and maintained the teller window area
- Rapidly and efficiently prepared customer and ATM cash and change orders
- Executed customer transactions, including deposits, withdrawals, money orders and checks
- Coordinated daily cash reconciliation at a high-volume location
- Pulled daily branch MORNING reports
- Opened accounts with a cross sale ratio of 8 products opened
- Handled various accounting transactions
- Executed wire transfers, stop payments and account transfers
- Answered telephone inquiries on banking products including checking, savings, loans and lines of credit
- Maintained friendly and professional customer interactions
Education
Bachelor of Engineering - Civil Engineering
Techno College of Engineering
Agartala, Tripura08-2018
Skills
- Compliance with banking laws and regulations
- Communication Skills
- Customer Service
- Ability to Work Under Pressure
- Cross-selling strategies
- Team supervision
- Audit compliance
- Digital banking
- Retail operations management
- Microsoft office expertise
- Customer relationship management (CRM)
- Market research, forecasting, and analysis
- Branch administration
Languages
- English
- Hindi
- Bengali
Personal Information
- Date of Birth: 12/21/94
- Nationality: Indian
Certification
- IRDA
- AMFI
Timeline
Branch Operational Manger
HDFC BANK LTD
01.2023 - 09.2024
Personal Banker Welcome Desk
HDFC BANK LTD
04.2021 - 01.2023
Personal Banker Teller
HDFC BANK LTD
06.2019 - 04.2021
Bachelor of Engineering - Civil Engineering
Techno College of Engineering
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