SATYALA MAHABOOB BASHA
NRI Personal Banker
Anantapur
Summary
A result-oriented professional, accustomed with overall functioning of banking processes, targeting assignments in Operations Management, Banking Operations and Sales with an organization of high repute. Location preference : Bangalore, Chikkaballapura, Chintamani
Overview
8
8
years of professional experience
3
3
Certifications
3
3
Languages
Work History
Personal Banker NRI – Retail Branch Banking (Manager Grade)
HDFC Bank Limited
11.2024 - Current
- Manage and grow the NRI Classic portfolio through acquisition of new NRI customers and enhancing existing relationships.
- Cross-sell relevant banking products and services tailored to NRI customers, including accounts, deposits, loans, investment products, and remittance services.
- Deepen the relationship by acquiring family accounts and expanding the wallet share within the NRI segment.
- Maintain high-quality customer service, acting as the primary point of contact and trusted advisor for NRI customers.
- Understand customer needs and proactively provide financial advice and solutions.
- Track customer transactions and behavior to identify business opportunities and prevent attrition.
- Collaborate with internal teams to ensure smooth account opening, KYC compliance, documentation, and seamless customer experience.
- Stay updated with NRI banking regulations, products, and market trends to offer timely and accurate information.
- Participate in marketing initiatives and client outreach programs to promote NRI banking services.
Relationship Manager – Rural Home Loans (Mortgage) (Deputy Manager Grade)
IDFC FIRST Bank Limited
07.2023 - 11.2024
- Acquisition of Home loan customers in the identified segment and reference generation from the specified catchment area.
- Grow the asset under management base for home loan lending solutions and ensure that the overall revenue, cost, profitability, and portfolio quality targets are met.
- Collaborate with the product team to ensure that the customers are offered the best-in-class solutions funding or multi-funding requirements, and key direct sales team are appropriately incentivized.
- Target and Manpower planning for the region.
- Ensure recruitment and training of manpower – Branch Sales Managers/BCM/BOM.
- Will be responsible for meeting disbursements targets month on month.
- Identifying business areas/ Sourcing segment with high potential and execute penetration strategies.
- Tracking and improving branch profitability and portfolio quality.
- Managing the early Mob X bucket collection and overall portfolio management.
- Keeping a regular track of competition and reporting new products / market developments to upstream authorities.
- Monitoring and mentoring the team and creating career path for team.
Area Operations Officer & Customer Service – Retail Lending (Deputy Manager Grade)
Axis Bank Ltd.
09.2021 - 06.2023
- Prepare the documentation for the mortgage related for individual and non-individual customers for agri funding files (CC,OD & WC loans)
- Scrutinize the overall documents from the RM and verify all the original sale deeds, property documents, kyc and process for the account activations and disbursements as per the sanctioned limits.
- Competing all the conditions mentioned in the sanction letters and liasoning with the credit team for any discrepancy in sanction letter rectifications.
- Update all the CERSAI, Web land charges, Insurance, Encumbrance registration Certificates in the particular accounts of Bank to Customers and Bank to Business with the prescribed TAT.
- Servicing the customer with the required service as per the policy like closure of the loans, handing over the original documents, partial release of the property documents.
- Understanding the Business requirements, planning and controlling the area operations
- Lead the Service Team, ensuring regulatory and procedural compliance.
- To manage and enhance the existing loan portfolio and solicit acceptable new relationships.
- Make work plan to ensure the quality services and ensure the customer satisfaction.
- Controlling and tracking of funds movement & application of funds towards loans.
- Taking care of Audit compliance issues and implemented the 5’S parameters in branch area.
- Collaborate with sales team to prepare schedule of all operations and track progress and leader to resolve all issues at area and achieve all business objectives.
- Analyze and mitigate all risks for various issues of area operations and manage all resources and coordinate with staff to provide support to all area branches.
Personal Banker – Welcome Desk (Grade E1- Assistant Manager Grade)
HDFC Bank Ltd.
06.2019 - 09.2021
- Attending all customers at the counter and resolving their queries and requests
- Working on processing of customer requests like debit card application, contact details updates, address updates, statement requests, passbook printing, issuance of instant debit cards.
- Opening new accounts basis KYC checklist like saving account, current account
- Selling TPP products like HDFC life insurance policies, health insurance, general insurance, DEMAT and trading accounts, SIP’s credit cards
- Managing customer online complaints like unauthorized transactions and solving the same within TAT
- Administering all deliverables such as Debit Cards, Instant Debit Cards, Instant Smart Account Kits, Welcome Kits and Prepaid Cards
- Effectively conducted AML/KYC formality reports on questionable by accounts and transactions
- Observed the customer transactions in the account and any related AML activates to escalating the seniors.
- Improved and implemented customer risk rating criteria with KYC management and procedure for both consumer and corporate customer.
- Getting highest rating as EC for achieving the sales Targets and maintained nil errors in front operations s within stipulated tine in the FY 2020-21
- Effectively monitoring the AML related LCT transactions and reporting to AML team with in time
- Resolving the customer complaints with in TAT and getting the customer appreciations
Officer/Analyst (Operations)
Standard Chartered Bank
04.2018 - 05.2019
- Process and pre-screen personal loan applications and related transactions accurately and timely to meet service level agreements.
- Assist in managing operational risks by identifying, escalating, and resolving issues within the lending process.
- Ensure compliance with the bank's policies, legal and regulatory guidelines, including KYC/CDD requirements.
- Collaborate with credit risk management teams to support credit decision making and risk mitigation.
- Handle documentation verification, legal and valuation report validations, and preparation of credit approval memos.
- Maintain accurate records and generate reports on loan processing activities, productivity, and audit outcomes.
- Coordinate with internal and external stakeholders, including audit teams, vendors, and customers for smooth loan operations.
- Participate in process improvement initiatives to enhance operational efficiency and customer experience.
- Support training programs and adherence to operational standards within the lending team.
Education
B.Com. -
Sri Lepakshi Degree College
Kadapa01.2013
Skills
Proficient in Microsoft Office
Experience with Tally ERP software
Real-time onboarding system management
Proficient in FlexCube
Customer relationship management
Skilled in utilizing Finnone software
LOS
TCS banking solutions
Certification
Attained License of Insurance from IRDA
PERSONAL DETAILS
- Date of Birth: 11th February 1990
- Correspondence address: D.No: 6-56-6 Mohith Nilayam, Gauthami Villas Road, Behind Tank School, Nandamuru Nagar, Kalyandurgam road, Anantapur, Andhra Pradesh, India- 515001
- Permanent Address: 15/745, New Amrutha Nagar, Kothapalli Panchayath, Proddatur, Kadapa (Y.S.R) District Andhra Pradesh- 516360
LINKEDIN PROFILE URL
www.linkedin.com/in/mahaboob-basha-satyala-33667119
Timeline
Personal Banker NRI – Retail Branch Banking (Manager Grade)
HDFC Bank Limited
11.2024 - Current
Relationship Manager – Rural Home Loans (Mortgage) (Deputy Manager Grade)
IDFC FIRST Bank Limited
07.2023 - 11.2024
Area Operations Officer & Customer Service – Retail Lending (Deputy Manager Grade)
Axis Bank Ltd.
09.2021 - 06.2023
Personal Banker – Welcome Desk (Grade E1- Assistant Manager Grade)
HDFC Bank Ltd.
06.2019 - 09.2021
Officer/Analyst (Operations)
Standard Chartered Bank
04.2018 - 05.2019
B.Com. -
Sri Lepakshi Degree College