Hi, I’m
KOMAL DESAI
Banker
Mumbai,MH
Overview
21
years of professional experience
1
Language
5
years of post-secondary education
Work History
IDFC First Bank
Zonal Branch Efficiency Manager
12.2022 - Current
Job overview
- Roles Ensure maximum Branches are profitable in the assigned geography
- Design and implement Branch level strategy across people, process and profitability
- Responsible for Product and process level improvement to run more Efficient branches
- Ensure teams are onboarded & trained to enable customer engagement on CRM
- Drive Xsell of Asset products via the branch network
- Drive centralised customer offers via the Offer Mart Liaison with various stakeholders across the bank to build efficiency within the network
- Ensure strategic imperatives across processes are met - in lines of process redesign, automation, workforce optimization & governance
- Enable capability to building & strategize developmental initiatives across the entire gamut of Branch Banking
- Ensure balance between short term improvements & long-term value creation, while enabling consistent communications.
IDFC First Bank
Product Specialist
04.2022 - 12.2022
Job overview
- Roles Have knowledge about all banking product range and analyze strategies to develop sales, recommended improvements, identify opportunities and ensure product delivery
- In charge of banking services and product initiatives which leads to product delivery Highlighting issues to Business Product related group for SOP changes
- Conducting Focus Group Discussions with various roles of various region
- Assessing all Branch Relationship Managers, Front line sales managers, Sales officers for sales conversions understanding customer needs and helping building customer satisfaction and brand loyalty
- Monitoring products and creating detailed reports on product information Conducting training sessions for new recruits and on branch level
IDFC First Bank
Deputy Branch Manager (Chief Manager)
03.2015 - 04.2022
Job overview
- Roles First start-up team of IDFC Ltd, to build a Bank in the year 2015
- Launched Main branch of
- IDFC Bank on 1st Oct 2015, BKC – Naman Chambers
- Launched another branch in IDFC Bank, Thane GB RD branch, worked as acting BM with
- CASA value, TFX value and insurances also maintained FTR and Branch Scorecard
- Verification of entries pertaining to Transaction Banking, Account Opening, Deposits
- NEFT, RTGS
- Ascertained smooth processing of accounts, clarity in documentation with adequate record of updates & process flow along with reverting to client inquiries Handling customer escalations and legal cases of the branch by routing them to concerned departments
- Responsible for Auditory compliance of the branch
- Ensure adherence to internal and external guidelines issued time to time by Statutory Authorities
- Ensure Sufficient Assurance Rating during Internal Audit
- Understanding the business requirements of the Clientele, appraising their existing financial portfolios, advising them about the means to mobilize and deploy funds and giving them a perspective of tax implications and long-term savings requirement, in the form of Mutual Funds and
- Insurance Products
- Ensure that branch premises are properly maintained and aligned to the Bank’s marketing guidelines
- Provide Operational support to staff and guiding them on the Bank’s policies and procedures on operational matters
- Proactively feedback and involved in process streamlining/ improvement of branch processes to improve operational efficiency and provide better customer service
- Tracking exceptional transactions AML alerts and ensures compliance with banking rules, regulations and procedures
- Engaged in internal MIS reporting – presenting cluster level CASA value and cross sales level across cluster branches, request type etc
- On a daily, monthly and quarterly basis
- Timely interaction with staffers to discuss staffing related matters including business, quality, feedback.
HDFC Bank, Authorizer
Personal Banker
12.2009 - 02.2015
Job overview
- Knowledge for all the products like SA, CA, Mutual Funds, Insurance, Assets Managed workflow for a 25-branch member coordinated with sales and driving business and customer walking in branch without BM for 1 year
- Conducting training and assisting sessions for new recruits, existing recruits & New Branches in the region to deliver service, working towards process improvement and safeguarding high standard on compliance & controls in the branch
- Acquisition of liability products CASA Handling customer requests and complaints Processing of account opening forms of CASA, FD/RD forms
- Tracking of large transaction and balance movement
- Assets: Personal Loan, Housing Loan, Gold Loan, Education Loan, Car Loan, and Two-
- Wheeler Loan) and account opening queries of the customer
- Reports and Audit check
- Transaction authorization & monitoring suspicious transaction
- Lobby Management and handling branch
- Achievements Insurance Achievement till date 75 lakhs premium collection
- Also have done 2 NTB’s on a per month basis with the required Initial Payment in year 2012- Logged in CC/OD limit of 1 crore in the month of November 2012
- Awarded as Super Achiever in October & November 2012 in Insurance category
- Awarded for Life Insurance achievement in the month of January 2014 Ranked 1st in Diamond category for Insurance sales done in October & November 2012.
Kotak Mahindra Bank Ltd
Assistant Manager
07.2007 - 12.2008
Job overview
- Checking customers financial transactions and cross selling other leads for products like fixed deposit & recurring deposit booking, net banking generation, loan requirement
- Attended 60-70 calls on daily basis
- Processing bank statement and online customer requests for doorstep banking
- Achievements Ranked 2nd in sales category in Pan India and ranked 6th in sales Phone Banking (customer service executive).
Deutsche Bank
Customer Relationship Executive
10.2005 - 06.2007
Job overview
- Roles Acquiring and servicing corporate accounts Value built up Handling their transaction quires related to their account.
Korea Trade
Centre Customer Relationship Executive
10.2004 - 10.2005
Job overview
- Korea Trade Centre is trade organization and government office of Korea
- Worked as a
- Customer Service Executive which includes internet surfing, downloading database, contacting clients, fixing meeting of Indian Buyers with Korean Delegates.
Saraswat Co-operative Bank Ltd
Officer Trainee
03.2004 - 09.2004
Job overview
- Customer service front desk Selling FD’s and Loan products Daily operation i
- E statement request /passbook updating
Education
Mumbai UniversityMumbai
Bachelor of Management Studies
06.2000 - 04.2003
Mumbai UniversityMumbai
HSC from Commerce
06.1999 - 05.2000
A. K. Joshi SchoolThane
SSC
06.1997 - 05.1998
Skills
- OTHER INFORMATION
- Computer Proficiency: Expertise in
- MS Office (PowerPoint, Excel and Word)
Team leadership
Strategic planning
Operations management
Project management
Relationship building
Cross-functional teamwork
Staff development
Customer relationship management (CRM)
Business administration
Work Preference
Work Type
Full TimeLocation Preference
On-SiteHybridImportant To Me
Career advancementWork-life balanceCompany CultureFlexible work hoursPersonal development programsHealthcare benefitsWork from home optionTimeline
Zonal Branch Efficiency Manager
IDFC First Bank
12.2022 - Current
Product Specialist
IDFC First Bank
04.2022 - 12.2022
Deputy Branch Manager (Chief Manager)
IDFC First Bank
03.2015 - 04.2022
Personal Banker
HDFC Bank, Authorizer
12.2009 - 02.2015
Assistant Manager
Kotak Mahindra Bank Ltd
07.2007 - 12.2008
Customer Relationship Executive
Deutsche Bank
10.2005 - 06.2007
Centre Customer Relationship Executive
Korea Trade
10.2004 - 10.2005
Officer Trainee
Saraswat Co-operative Bank Ltd
03.2004 - 09.2004
Mumbai University
Bachelor of Management Studies
06.2000 - 04.2003
Mumbai University
HSC from Commerce
06.1999 - 05.2000
A. K. Joshi School
SSC
06.1997 - 05.1998
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