Libin Mammen S.

Achievements & Role-:

• Successfully lead the following projects-

a) Digital account journey migration to React JS platform.

b) Introduction of new products for Govt employees & Police.

c) Debit card proposition changes to NTB customers.

d) Revamping of Salary booster OD product to CS customers.

• Team handling role
• New product-Handled entire range of activities right from conceptualising to final roll out of a new product- this includes competition benchmarking, identifying target segment & market potential, finalising product & debit card proposition & features, journeys for account opening, PAC approval, marketing materials etc.
• Revamping of new & existing products- Improve account opening journeys by migrating to improved digital React JS online platform. refurbishing existing TAB account opening assisted journey by migrating to digital React native platform.

Product/Processes/ Business Audit-:

• Conceptualising variations in existing products as per Market conditions and their development.
• Designing of GB CASA product codes with their product notes , approvals and GSFC.
• Preparing customer presentations, Offer letters, Brochures, emailers & GB interface on Bank website.
• Government Tenders-: Preparation, CBA, Documentation and applying for Tenders.
• Business related solutions-: Vendor management, Assisting in monthly CBA analysis & Billing verification.
• Designing new processes like Aadhaar based a/c opening process, Vendor Management process, Government scheme based banking processes. as per latest trends and developments.
• Improvisation of CS Account opening by bringing in email based authorisation, COCO creation process through digitization and reduced TAT, Foreign National ac opening process through EFRRO, Tax refund account opening through reduction of TAT, Insta kit process by increasing shelf life of kits from 1 year to 2 years etc.
• Handling of Business audit. Audit rating of 5 star during Jan 2019.
• Ensured activities like COCO updation, freeze code maintenance, vendor and customer agreements, Master file maintenance (for tax refund acs), customer profile, cust category, Income brackets, location based process adherence (based on checklist), invoicing (for TRA), process note updation etc are followed as per set process.
• 100% locations at 5 star rating up from 53% when I took over in 2017.
• Income eakage controlled through phasing out of neo kits and conversion of existing kits to edge, initiated process of increasing shelf life of Kits increased from 1 year to 2 years at a bank level.

• Investigation into frauds linked to Direct Banking products like Debit cards and Net Banking AND Third Party products like Life Insurance and Mutual Funds using tools like Surveyllance.
• Analysis of Direct Banking products transactions, based on alerts received through FRM tool to identify frauds. Trend Analysis of DB product transactions based on related parameters.
• Analysis of Unusual Events(UE) raised by bank on direct banking products and further investigation into these UEs involving liaising with various dep ts, analysis of cctv footage, providing information to police.
• Presentation of frauds detected and investigations done to top management to highlight potential weak links.
• Implementation of corrective actions involving coordination of various depts.
• Initiating action against staff as per action grid involved in wrong selling and frauds linked to TPP products.

• Managing a client base of 350 privilege banking customers including 100 current accounts and 250 savings accounts with a total book size of Rs 16 crores.
• Sourcing of all banking related products to allocated client base. Acquiring new Privilege banking clients.
• Ranked 5th in the region for Life Insurance products sales for period January to March 2013.
• Ranked 3rd in the region for Life Insurance products sales and 1st in the region for sales of Demat and trading accounts and margin for same during 2013-14.

• Managing a team of Corporate-Executives (co-exs) (ensuring setting of targets and their achievement, ensure proper relationship building of co-exs with bank staff etc.) who are responsible for sourcing HDFC SLIC products through HDFC Bank channel.
• Advising HDFC Bank Private Banking HNI clients on the need of HDFC SLIC products in their portfolio during sales calls.
• Maintenance of various Sales reports required to increase quality and quantity of sales leads from Bank channel.
• Ranked 5 th in the country for the quarter- January to March 2011.
• Total Converted business of 1.33 Crores during March 2011 from Private Banking Channel

• Sourcing of Investment Banking products like Insurance and Mutual Funds, at branch level of Mashreq Bank.
• Hnadling service requirements of clients for Insurance and other Banking products.
• Consistently achieved my target of 8000$ for investments during my tenure (for insurance).

• Sourcing of Life Insurance and Investment products through the shared distribution channel of Standard Chartered Bank.
• Handled service issues of Existing Clients.
• Maintaining good relations with all bank staff of the branch to ensure constant flow of leads from them.
• Ensure clean documentation and ensure KYC /AML guidelines are strictly adhered.
• Training of Branch Staff on Insurance and Investment products.
• Promoted from Relationship Manager to Sr. Relationship Manager.