Lakshman Naragani

Key Achievements:

• Business Growth: Achieved 15 Cr RLV and 30 Cr in assets through liability mobilization, CASA growth, cross-selling of retail assets, and HNI relationship management.
• Customer Experience & Team Leadership: Maintained an excellent CPI score by reducing TAT, improving grievance resolution, and leading a high-performing branch team to meet sales and service targets.
• Compliance & Risk: Ensured 100% audit compliance with zero major observations by enforcing process adherence, KYC/AML norms, and internal controls.
• Portfolio Management: Focused on asset quality, NPA reduction, and portfolio monitoring to ensure sustainable branch growth.
• Digital Banking & Product penetration: Drove 200% growth in digital product engagements, including HSL, CC, ME, PAYZAPP, and all digital platforms via customer activation drives.

Outlined key responsibilities for branch operations.

• Executed strategic initiatives that increased customer engagement and retention rates.
• Supported team members' professional advancement, strengthening overall branch performance.
• Mentored team members, fostering professional development and improving overall branch performance.
• Developed and executed targeted marketing strategies that effectively promoted banking products and services.
• Analyzed market trends to identify opportunities for growth and innovation within the branch.
• Collaborated with senior management to align branch objectives with organizational goals, enhancing overall branch performance.
• Managed risk assessment processes, minimizing potential losses while optimizing operational effectiveness.
• Monitored branch performance against key performance indicators, taking corrective actions to ensure objectives were met.

• Achievements
• Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
• Achieved CASA book growth of 5 crore & TD 3CRs for the FY, contributing to a total branch book size of 30 crores.
• Disbursed 8 crores in home loans and other asset loans, supporting overall branch lending objectives.
• Handling a team size of 9 employees.
• Enhanced customer satisfaction ratings by improving service quality and promptly resolving client issues.
• Monitored branch performance against key performance indicators, and took corrective actions to ensure objectives were met.

• Achievements:
• Achieved growth of 8 crores in retail liability
• 3CRs, FD.
• 3 CRs GL Growth
• 4CRs of Assets - HL & KGC
• Qualified for DDD (December Deposit Dhamaka Contest) 2nd BM from Telangana and 5th from Pan India.

• Role and Responsibilities:
• Ensured the achievement of branch targets through strategic planning and execution.
• Analyzed local demographics to identify potential customers in the catchment area.
• Collaborated with the team on joint calls to enhance client relationships.
• Supported the team in achieving targets through coaching and joint sales efforts.
• Meeting different types of association heads for big deals.
• Outlined significant professional achievements
• Maintain a Good Rapport with Customers.

Achievments:

• 80 crore of JL book growth.
• 90% and above branches achieved annual targets.
• 100% of staff activated in JL month on month.
• Conducted a local contest to motivate the team and achieve the assigned target.

• Role and Responsibilities:

• Appointed DSAs, counselors, and appraisers for branches to enhance team capabilities.
• Conducted marketing and promotional activities in various catchments to drive customer engagement.
• Planning and monitoring the day-to-day activities and performance of DSAs and counselors.
• Engaged with branch managers, and coordinated efforts for business growth initiatives.
• Training the counselors, DSAs, and branch staff on Jewel Loan.
• Engaging with the Branch Managers and coordinating them for business growth.
• Maintaining a good relationship and rapport with Beach Emp.

• Achievements:
• 5 Crs of liability book.
• 8 Crs of Asset disbursement.
• Achieved 25 lakhs of LI.
• 3 Crs of JL Book.
• Role and Responsibilities:
• Managed overall branch business and profitability to support growth objectives.
• Developing forecasts, financial objectives, and business plans.
• Led a daily morning huddle for a team of seven, aligning inbound and outbound efforts.
• Reviewing the daily operations, audit compliance, and handling external and internal audits.
• Initiated calls to government agencies to establish new relationships. for establishing new relationships.
• Monitored staff performance periodically to ensure compliance with standards. and reviewing of the staff's performance.
• Customer visits for building relationships, attending joint calls, and working with outbound staff.
• Making government calls for establishing new relationships.

• Achievemnts:
• 10 Crs of JL Book.
• Achieved 100% target year on year.
• Achieved first place in the Gold is a Bling contest nationwide in September 2013.
• Earned qualification for JEDIs in the January contest of 2014.

Role & Responsibilities:

• Managed the Jewel Loan business for the branch, driving growth through targeted strategies.
• Executed marketing and promotional activities across diverse catchments to enhance visibility and engagement.
• Collaborated in joint calls with the branch sales team to strengthen client relationships and increase loan acquisition.
• Played a key role in the operations part by ensuring the NIL discrepancies in JL processing.
• Conducting marketing and promotional activities in various catchments
• Attending joint calls with the branch sales team.

• Achievements:
• 4 Crs of Gold Loan book size.
• Ensured that all staff are eligible for incentives.
• Sold 400 grams of Muthoot gold coins.

• Role & Responsibilities:

• Branch Operations and Sales
• Led a team of five members.
• Ensured the achievement of branch targets through strategic planning and execution.
• Facilitated team-building activities to foster collaboration.
• Organized regular team meetings to discuss progress.
• Maintain a good relationship with existing and HNI customers to increase sales.
• Provided innovative ideas to the team to achieve the target.

• Achievements:
• Achieved LI target of 20 lakhs.
• Recognized for significant contributions to team goals.
• Recognized for excellence in candidate recruitment strategies.
• Achieved top licensing status across India in A.M.J. 2010 with 30 Licenced Agents
• Recognized for exceptional engagement in team activities during J.A.S. 2010.
• Successfully participated in the Mahapremium Week contest during the specified dates and contributed 1 Lakh LI.

• Role and Responsibilities:

• Appointing potential candidates as financial advisors.
• Managed customers in the branch and through client visits, providing financial and investment advisory services, and developing new relationships through referrals and other sources.
• Building and maintaining healthy business relations with major institutional clients, ensuring high customer satisfaction metrics.
• Maintained strong customer relationships with existing clients, ensuring continued satisfaction and loyalty.
• Set and reviewed performance targets for advisors, consistently raising expectations to drive results.

• Achievemnts:
• Achieved 30 lakhs of LI.
• Achieved year-on-year target.
• I got promoted to BDM within 9 months.
• Qualified for the Valor contest in 2008-2009.
• Facilitated the recruitment of three new club members.
• Topper in the Region: Jo Jeetha Wahi Sikandar Contest, 2007-2008.
• Qualified for the Sprint contest in 2008-2009.
• Appreciation from R.M. for the Parivarthan Programme.

• Role & Responsibilities:

• Identified qualified prospects and leads to drive business growth.
• Conducting product training for insurance consultants.
• Provided tailored information to customers, enhancing overall satisfaction.
• Developed and facilitated training programs to enhance the selling and influencing skills of consultants.
• Documented key achievements in sales and training programs.

• Achievements:
• Achieved year-on-year target across all the products, like chits, deposits, life, and health insurance.
• Enrolled big values of chits, like 50 lakhs, 30 lakhs, and 20 lakhs.
• Managed a portfolio with HNI customers and served them for cross-selling.

• Role & Responsibilities:

• Identified customer problems, and educated customers on solutions.
• Appointing agents for LI and chits.
• Providing product training to agents.
• Joint calls with agents.
• Chit documentation and verification process.
• Identifying customer problems and educating them.
• Collaborated with agents on client calls to enhance service delivery.
• Delivered product training sessions to agents, enhancing their sales capabilities.