K.G.D. DHANALAKSHMI
Chennai
Summary
Dynamic Virtual Relationship Manager at YES BANK PVT LTD with a proven track record in client retention and revenue growth. Adept at resolving complex issues and cross-selling banking products, leveraging strong interpersonal skills and adaptability. Successfully managed a team to exceed service targets, enhancing customer satisfaction and loyalty.
Overview
9
9
years of professional experience
Work History
Virtual Relationship Manager (VRM)
YES BANK PVT LTD
06.2022 - Current
- Managing a portfolio of 2500 customers PAN INDIA – in terms of both service & sales.
- Handling a team of 13 members to complete service & sales parameters targets on daily basis.
- Resolving customers concern (service) to retain them with bank and bringing customers.
- Retention of customers.
- Identify business opportunities to increase brand and revenue.
- Bring in new customer and visit customers to introduce on new Banking products and investments.
- Handling escalation of customers and focusing more on HNI customers to cross sell more products to customers.
- Making team to cross sell 12 products of bank through service oriented calls.
- Loans, cards, letter of credit and bank guarantee Insurance, FD, RD & Etc..
Senior Officer
IDFC FIRST BANK LTD
Chennai
02.2020 - 07.2021
- Verified account opening forms and confirmed KYC for efficient onboarding processes.
- Executed clearing operations for customer and CMS cheques in standalone branches.
- Oversaw cash operations as main teller, enhancing support for sales and branch teams.
- Processed inward and outward remittances for individual customers with accuracy.
- Achieved Branch service operation index (BOSI) score exceeding 90%, ensuring compliance with AML EDD measures.
- Managed branch operations, including vault oversight and daily activities coordination.
- Handled financial transactions, including deposits, withdrawals, RTGS, NEFT, and check cashing.
- Provided training to new employees to ensure adherence to operational standards.
Junior officer (Phone Banking)
HDB FINANCIAL SERVICES (HDFC BANK PVT LTD)
Chennai
08.2018 - 02.2020
- Resolved net-banking and mobile banking issues for credit card and savings accounts.
- Provided customer support for opening fixed and recurring deposit accounts.
- Addressed payment issues related to IMPS and NEFT transactions.
- Checked card status via FLEXCUBE, communicated outcomes to customers through SMS.
- Handled debit card inquiries including reissuance, hotlisting, EMI details, and cross-selling loans.
- Managed critical payment complaints regarding uncredited payments and refund requests.
- Collaborated with Account Fulfillment Unit to track application status of potential cardholders.
- Liaised with Risk Unit to resolve never applied complaints.
HR Admin Executive
DOLLARSOFT TECHNOLOGIES
Chennai
05.2017 - 12.2017
- Administered compensation and benefits processes, including HRIS hierarchy updates and job offer distribution.
- Prepared and distributed statutory communications to employees, maintaining organizational charts.
- Collaborated with HR generalists, managers, and employees to support various HR programs.
- Provided daily HR reports to the business, addressing inquiries regarding policies and benefits.
- Assisted with HR transactions, including benefit changes and processing fee request forms.
- Managed employee transfers and exits, ensuring smooth transitions within the organization.
- Conducted monthly invoice audits for compensation and benefits administration.
- Executed ad-hoc projects as necessary to support HR objectives.
Education
BA -
Anna Adarsh College for women
Chennai01.2017
High School Diploma -
Dhanish Matriculation Higher Secondary School
Chennai01.2014
10th -
Dhanish Matriculation Higher Secondary School
Chennai01.2012
Skills
- Flexibility in diverse environments
- Self-starter with positive attitude
- Quick learner and adaptable
- Client interaction and issue resolution
Accomplishments
- Recognized as best team player and also received appreciation for achieving top rating in the team.
- Won 3rd place Pan India in HDFC life in 2019-2020.
- Recognised by Aditya Birla and HDFC ergo health insurance for topping in pan India in 2019-2020.
Languages
- English
- Tamil
- German
- Spanish
Personal Information
- Date of Birth: 08/03/97
- Nationality: Indian
Disclaimer
I hereby declare that above-mentioned information is true to the best of my knowledge and belief.
Timeline
Virtual Relationship Manager (VRM)
YES BANK PVT LTD
06.2022 - Current
Senior Officer
IDFC FIRST BANK LTD
02.2020 - 07.2021
Junior officer (Phone Banking)
HDB FINANCIAL SERVICES (HDFC BANK PVT LTD)
08.2018 - 02.2020
HR Admin Executive
DOLLARSOFT TECHNOLOGIES
05.2017 - 12.2017
BA -
Anna Adarsh College for women
High School Diploma -
Dhanish Matriculation Higher Secondary School
10th -
Dhanish Matriculation Higher Secondary School