Summary

Overview

Work History

Education

Skills

Certification

PERSONAL DETAILS

LINKEDIN PROFILE URL

Timeline

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

years of professional experience

Certifications

Languages

Work History

Personal Banker NRI – Retail Branch Banking (Manager Grade)

HDFC Bank Limited

Anantapur, Andhra Pradesh

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

Tadipatri, Andhra Pradesh

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.

Proddatur, Andhra Pradesh

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.

Proddatur, Andhra Pradesh

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

Koramangala, Bengaluru, Karnataka

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

Kadapa

01.2013