MOHIT KIRAN KOUL
Retail Branch Head
Jammu
Summary
As a seasoned professional with 10 years of experience, I have honed my skills in accounting and excelled as a Backend Operations Executive. My objective in this resume is to present a compelling case for a prestigious role that seamlessly integrates my expertise in these domains. By leveraging my diverse background, in order to deliver exceptional results and significantly contribute to the growth and success of your organization. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational goals. Highly committed with hardworking mentality to maintain quality of services and products.
Overview
10
10
years of professional experience
2014
2014
years of post-secondary education
3
3
Languages
Work History
Retail Branch Manager
Mahindra & Mahindra Financial Services
09.2024 - Current
- Provided customer oriented services in order to maintain cash management authorization.
- Verify credit approvals and credit conditions like IRR, product &deviations.
- Maintained audit reviews and kept detailed track record for yearly reviews.
- Effectively managed office expenses, ensuring financial responsibility and maintaining a visually appealing workspace.
- Keep a check on all types of disbursement- Loan, financial, collateral or asset details.
- Verifying all documents, loan parameters, payment details, and misc. additional pages.
- To the check/verify the authenticity & genuineness of KYC of the customer online or offline as per requirement.
- Working directly with clients and talking to them face to face or over the phone.
- Streamlined branch operations for improved efficiency, managing staff schedules, inventory control, and budgeting.
- Ensured a welcoming environment for customers through diligent facility maintenance, merchandising displays, and staff appearance standards.
- Implemented targeted sales promotions that generated increased revenue and attracted new customers to the branch location.
- Conducted timely performance evaluations of staff members, offering constructive feedback for ongoing growth and success.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Defined clear targets and objectives and communicated to other team members.
- Maintaining & developing Mutual Funds, Fixed Deposits and motor insurance in order to accomplish monthly targets.
- Generating sales & maintaining customer portfolio & customer base.
- Communicating regularly with clients to understand needs,evaluate current product use and cross-sell new products.
Branch Accountant
Mahindra & Mahindra Financial Services
05.2022 - 08.2024
- Provided customer oriented services in order to maintain cash management authorization.
- Verify credit approvals and credit conditions like IRR, product &deviations.
- Effectively managed office expenses, ensuring financial responsibility and maintaining a visually appealing workspace.
- Keep a check on all types of disbursement- Loan, financial, collateral or asset details.
- Verifying all documents, loan parameters, payment details, and misc. additional pages.
- To the check/verify the authenticity & genuineness of KYC of the customer online or offline as per requirement.
- Maintaining & developing Mutual Fund and Fixed deposits to acquire monthly targets.
- Maintained effective communication channels between accounting department and other branch offices, ensuring seamless coordination of inter-branch activities.
- Managed payroll processing to ensure timely disbursement of employee salaries while adhering to company policies and legal requirements.
- Ensured compliance with internal controls, performing regular audits of financial records and transactions.
- Reduced discrepancies in financial reports, conducting thorough account reconciliations on a monthly basis.
- Handled day-to-day accounting processes to drive financial accuracy.
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
Backend Operation Executive
Mahindra & Mahindra Financial Services
10.2018 - 04.2022
- Ensured smooth day-to-day operations by addressing any workflow disruptions promptly and effectively.
- Coordinated logistics activities, ensuring timely delivery of products and services to clients.
- Improved customer satisfaction rates through timely communication and effective issue resolution.
- Developed strong relationships with vendors, improving collaboration and negotiation outcomes.
- Streamlined operations by implementing efficient processes and systems.
- Applied excellent problem-solving, process development, and strategic implementation skills to lead and support all areas of operations.
- Collaborated on operational support tasks to achieve common goal.
- Interacted well with customers to build connections and nurture relationships.
Backend Operation Executive
HDFC Bank - CPA Agency
01.2015 - 09.2018
- Handled and monitored all retail operational activities.
- Specialist in loan disbursement section of two-wheeler.
- Provided loan disbursement for business perspective.
- Managing document indexing and imaging.
- Improved customer satisfaction rates through timely communication and effective issue resolution.
- Provided ongoing training to team members, enhancing skillsets and overall productivity.
- Analyzed data and metrics to identify areas of improvement in operational performance.
- Implemented quality control measures to ensure compliance with industry regulations and standards.
- Streamlined operations by implementing efficient processes and systems.
- Established and maintained productive staff relationships to Improve workplace morale, increase productivity and enhance personal growth.
Education
Bachelor in Commerce -
Jammu University
Jammu 03-2014
Masters in Commerce - Finance
IGNOU
Skills
Excellent time management
Leadership skills
Fast Learner
Team - Work
Data Managing
Sales promotions
Branch operations management
Customer service
Cash handling expertise
Team supervision
Strong team-builder
Sales management
Goals and performance
Timeline
Retail Branch Manager
Mahindra & Mahindra Financial Services
09.2024 - Current
Branch Accountant
Mahindra & Mahindra Financial Services
05.2022 - 08.2024
Backend Operation Executive
Mahindra & Mahindra Financial Services
10.2018 - 04.2022
Backend Operation Executive
HDFC Bank - CPA Agency
01.2015 - 09.2018
Masters in Commerce - Finance
IGNOU
Bachelor in Commerce -
Jammu University
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