Mohammad Rafiq Sofi Deputy Branch Manager

• Retail Banking Responsibilities.
• End-to-end handling of all core retail banking functions.

Lead generation and processing for:

Accounts: Savings, Current, Demat, Wealth, NRI, and Cash Credit (CC).

Loans: Personal, Auto, Gold, Education, Term Loans, Overdraft (OD), Secured Loans, and Working Capital Loans.

Investment and Insurance: Mutual Funds, SIPs, Life Insurance.

Liabilities: CASA, Fixed Deposits, and Recurring Deposits.

Other Products: Credit Cards etc

Operational Responsibilities.

Cheque clearing (Retail and CMS), NEFT/RTGS entry, and processing.

Handling overseas Remittance, forex/travel card loading, and related services.

Bulk salary upload and disbursal.

Addressing and resolving customer service requests across financial and non-financial transactions.

• Lead the branch team and ensure efficient day-to-day operations.
• Oversee compliance, and ensure adherence to regulatory standards.
• Drive sales and business development initiatives for banking products.
• Manage customer service excellence, and resolve escalations.
• Responsible for overall branch performance, audits, and reporting.

• Sales & Credit Operations Responsibilities
  
  Managed end-to-end sales functions for vehicle finance and business loans
  Responsible for:
  Financing of commercial and private vehicles
  Lead generation, vehicle inspections, and field investigations
  File processing and document validation prior to disbursement
  Oversaw collection of repayments and promoted cross-sell products such as:
  Fixed Deposits, Recurring Deposits, Life Insurance, and General Insurance
  Facilitated Business Loans and Working Capital Loans with full ownership of sales lifecycle