Margaret Thomas Dsouza
ms
Nallasopara West,maharashtra
Summary
To be Profession Allied with an Organization that offer an Opportunity to Utilize My Skills and Capabilities while also being Resourceful, Innovation and Flexible.
Overview
11
11
years of professional experience
4
4
Languages
Work History
Deputy Manager (Classic Profile)
HDFC Bank Limited
Mumbai
11.2024 - Current
- Managing a portfolio of NRI customers, providing personalized banking solutions and advice.
- Acquiring new NRI customers through referrals, networking, and targeted outreach.
- Enhancing existing customer relationships by cross-selling relevant products and services.
- Ensuring compliance with all relevant banking regulations and policies related to NRI accounts.
- Meeting or exceeding sales targets for NRI products and services.
- Providing excellent customer service and resolving customer queries and complaints.
- Keeping abreast of market trends and competitor activities in the NRI banking space.
- Collaborating with other departments to facilitate NRI customer needs.
- Building and maintaining strong relationships with key stakeholders in the NRI community.
- Knowledge of NRI banking regulations, products (e.g., NRO, NRE accounts, remittances), and services.
- Experienced with HDFC Bank Limited (NR Personal Banker)
Deputy Manager (Classic Profile)
HDFC Bank Limited
Mumbai
10.2023 - 03.2024
- Daily reporting of sales
- Ensure that the marketing analytics list on possible attrite, is called and retained Penetration of Saving Accounts on non-liability customers Propagate the benefits of not being on DNC registration list in case a non-portfolio customer opts for it Utilizing the sales resources (BDR/COEX) for optimal sales support Penetration of FD to unique customers Using Data-mine for cross-selling Sales of various Credit Cards
- Managing Classic Portfolio: Manage the benchmark no. of customers in the portfolio Extend Classic benefits to customers basis identification in eligibility lists/ LTR Ensure that individual customers are grouped and Customer to Group (CTG) Ratio is maintained on the portfolio by grouping them with their family member.
- Regular customer contact to establish needs of the customer and opportunities to Cross sell
- Ensure quality new acquisition of customers
- Cross-selling
- Disseminating product information
- Ensure best-in-class customer service is delivered
- Preventive complaint management
- Promoting all direct banking channels extend relevant benefits to customers
- Ensuring Customer Group profitability is achieved
- Enhance Values within each of the customer groups
- Ensure updating of required systems
- Ensure certification & error-free documentation
- Ensure KYC norms are adhered to at all points in time
- Ensuring all operational parameters are met “First Time Right”
- Pitch for enhancement of limits, promote active usage of credit cards: Ensure that the customer avails of add-on card for his family members Sales of Third-Party Products to the customers .MF/Insurance etc……
- Experienced with HDFC Bank Limited (Personal Banker)
Deputy Manager (Kotak Mahindra Bank)
Kotak Life Insurance Company Limited
Mumbai
12.2021 - 09.2023
- Handling customers of Kotak Mahindra Bank LTD.
- Handling Login the case and process the case
- Answered client’s question about the purposes and details of financial plans and strategies.
- Handling Customers Queries related to Digital Banking and Investment.
- Facilities Settlement of Claim.
- Met sales targets as well as following compliance guidelines.
- Experienced with Kotak Life Insurance Company Limited (Banca Channel)
Corporate Agency Manager (HDFC Bank)
HDFC Life Insurance Company Limited
Mumbai
01.2017 - 12.2021
- Handling customers of HDFC Bank LTD.
- Cross-selling of life insurance linked investment products through HDFC bank’s credit card, fixed deposit and insurance database.
- Answered client’s question about the purposes and details of financial plans and strategies.
- Handling customers queries related to digital banking and investment.
- Handling Classic, Preferred and Imperial portfolio.
- Facilities settlement of claim.
- Provided financial planning and banking solutions to prospective and existing customers.
- Profiled and analysed investment products to develop customized financial strategies for clients’ financial needs.
- Experienced with HDFC Life Insurance Company Limited (Banca Channel)
- Worked closely with executive leadership to align department goals with overall company objectives.
Accountant Department
Smiley Fingers Industry
Mumbai
03.2016 - 10.2016
- Maintaining Accounts in Tally ERP 9 and tally 7.2
- Purchase Order & Sales Order Process
- Maintaining Stock in the Warehouse
- Client Order Prospering the Stock to Delivery
- Delivery from Stock in Time Challan Preparing of stock Preparing Invoice Etc.
- Experienced with Smiley Fingers Industry
Administration Department
D. Kothary & Company
Mumbai
03.2015 - 01.2016
- Assistant to managing director.
- Take care of printing office stationery.
- Preparing daily chart reports.
- Attend enquiry calls & transfer it to the respective executives.
- Administrator work -stationary/joining formality/appointment arrangement / maintained HRD files.
- Handling complaint calls from client and solving their queries.
- Handling payment from clients and preparing invoice.
- Mailing certain mail to client like - Content, Website Demo, invoice, payment detail, and appointment detail etc.
- Keep record of inward & outward courier.
- Arranging candidate for Interview and Joining.
- Maintaining Accounts in Tally Erp 9 and Tally 7.2
- Experienced with D. Kothary & Company (Charter Accountant)
Education
BMS - Business Management
St.joseph.sr. College
Mumbai01.2014
Interests
Listening music
Timeline
Deputy Manager (Classic Profile)
HDFC Bank Limited
11.2024 - Current
Deputy Manager (Classic Profile)
HDFC Bank Limited
10.2023 - 03.2024
Deputy Manager (Kotak Mahindra Bank)
Kotak Life Insurance Company Limited
12.2021 - 09.2023
Corporate Agency Manager (HDFC Bank)
HDFC Life Insurance Company Limited
01.2017 - 12.2021
Accountant Department
Smiley Fingers Industry
03.2016 - 10.2016
Administration Department
D. Kothary & Company
03.2015 - 01.2016
BMS - Business Management
St.joseph.sr. College
Languages
English
Hindi
Marathi
Konkani
Personality traits
- Well-developed inter personal skill, capable of enhancing team contribution.
- Good communication skill.
- Ability to meet deadline and work under pressure.
- Ability to take instructions and co-ordinate well colleagues at all levels.
- Self-motivated, enthusiastic and an aggressive self-starter with a pleasing personality.
Declaration
I confirm that, the above information is true and correct to the best of my knowledge. Place: Mumbai Date: (Ms.Margaret.T.Dsouza)
Personality traits
- Well-developed inter personal skill, capable of enhancing team contribution.
- Good communication skill.
- Ability to meet deadline and work under pressure.
- Ability to take instructions and co-ordinate well colleagues at all levels.
- Self-motivated, enthusiastic and an aggressive self-starter with a pleasing personality.