Summary
Overview
Work History
Education
Skills
Certification
Languages
Personal Information
Affiliations
Timeline
75
Navin Kumar

Navin Kumar

Gurgaon

Summary

MBA with 16+ years’ experience in Retail Branch Banking and finance. Extensive exposure and knowledge of Team Handling, Banking products and Finance with excellent relationship management skills, leadership skills, creative ideas for process orientation. Proven ability to develop Process with risk free work environment. Strong analytical and planning skills, combined with good people management skills. Highly self-motivated with high levels of energy. Strong adaptability to multicultural work environment.

Overview

17
17
years of professional experience
1
1
Certification

Work History

AVP II Pioneer Banking

IndusInd Bank Ltd
Gurgaon
03.2024 - Current
  • Contribute to the business plans for the expansion of business opportunities in strategic target areas, and cross-selling of products.
  • Implemented in-depth training workshops regarding banking products, AML, and operational procedures.
  • Analyzed revenue growth and improved it through the development of new business plans and new business goals.
  • Provide a superior level of customer relations; promote the sales and services culture through coaching, guidance, and staff motivation.
  • Managed and reviewed daily reports in order to adjust the daily workload.
  • Managed the daily operations of exclusive clients to ensure exceptional service is delivered to all clients.
  • Ensured the achievement of regional sales goals through the management of new business sales, referrals, and retention of account relationships.
  • Developed and implemented strategies for the banking center to meet and exceed loan and deposit goals.
  • Implementing sales and marketing strategies to develop new and existing relationships.
  • Promote the bank through community involvement, and leverage contacts to create a pipeline of new business.

Assistant Vice President and Deputy Branch Manager

Yes Bank
Gurgaon
09.2023 - 02.2024
  • Company Overview: Banking and Finance.
  • Reviewed, identified, updated, and prioritized strategic initiatives to provide comprehensive support to senior leadership.
  • Developed and implemented new strategies and policies to establish long-term business objectives, and provide strong and sustainable organizational leadership.
  • Monitor the processes for account opening, account maintenance, and account closure-related formalities as per YBL process.
  • Handle customers' inquiries and instructions, while ensuring that the Bank's delivery standards are met in achieving total customer satisfaction.
  • Ensure all the counters are opened, and staff is ready to service clients at least 15 minutes before the customer timings.
  • Ensure proper scrutiny of all transactional documents submitted by the customer branch checklist to ensure that all necessary documents are submitted by the customer.
  • Ensure that all people, processes, data, and systems in the branch are well attended to deliver consistent and superior levels of service to all customers.
  • Ensure that adequate records and data pertaining to customer queries and complaints are maintained and analyzed for achieving greater process efficiency.
  • Ensure daily and weekly monitoring and analyses of various data points and reports that have a bearing on customer service and process adherence.
  • Effectively support and handle branch audits by internal, external, concurrent, statutory, and RBI auditors.
  • Responsible for the implementation of processes, policies, as per guidelines, and the audit rating of the branch.
  • Maintain the highest levels of discipline (punctuality, attendance, grooming standards, etc.) in the office.
  • Define goals and performance parameters for the team, and guide/coach them in achieving the same.
  • Ensure that the team understands the goals of the bank, the branch, and also those of other colleagues in the branch.

Senior Manager and Operations Head

Axis Bank
Gurgaon
09.2019 - 08.2023
  • Company Overview: Banking and finance
  • Manage & Supervise operations in the Branch with the objective of delivering timely, efficient & productive processing service within the statutory, regulatory and operation norms of the Bank
  • Monitor and track daily responsibilities, oversee processing of transactions, manage ATMs/Cash/lockers, authorize and verify branch instructions, monitor adherence to processes, resolve escalated issues In Order To ensure timely and effective transaction execution
  • Track market and regulatory changes, monitor and upgrade existing system, implement change, ensure systems back-up, align system with environment changes In Order To ensure continuity & adequacy of operations
  • Set service standards, ensure redresses of customer grievances, monitor customer services by team, address escalated issues In Order To ensure smooth relationship with clients
  • Coach, counsel, guide and motivate team members, set targets, monitor performance, define work processes and systems In Order To create a performing team and conducive work environment
  • Ensure proper upkeep of branch premises, Housekeeping, Leave Records, Vendor Management etc
  • Support sales promotions activities, display of branch merchandise, monitor administration budgets In Order To resource all branch activities within targeted financial costs
  • Identify customers, calling & fixing of meetings, prepare & make presentations, collect client requirements & other related information e.g
  • Other banks with which they have business, identify possible products for client, pass the lead to the concerned person & follow up for closing the deal In order to Ensure the Branch Targets & strategies are met
  • Achieving the business targets assigned in terms of generating TPP (Third Party Products) revenue and cross-sell revenues from the assigned portfolio customers
  • Scrutiny of all AOFs for compliance to KYC norms while opening accounts and ensure no rejection/minimal rejection of AOF sent to CPU
  • Banking and finance

Deputy Branch Manager

IndusInd Bank
Gurgaon
03.2019 - 08.2019
  • Company Overview: Banking and Finance
  • Well versed with the concepts of Retail Branch Banking, Cash Management, Forex and Portfolio Management with the Total Experience of 10 Years
  • Fair understanding of cash, non-cash, trade transactions and relationship management
  • A competent professional with hands full experience in Banking sector
  • A keen strategist & planner with skills in conceptualizing and effecting process initiatives
  • An effective communicator with excellent skills in customer handling & building relationships
  • Possess strong analytical, problem solving and organisational abilities
  • Always eager to learn & implement new ideas with highly innovative approach
  • Strength - Operations Management, Data Consolidation / Management, Quality Assurance/ Management, Customer Centric and Service focused, Troubleshooting / Problem Solving
  • Banking and Finance

Branch Service Delivery Leader (DBM)

YES BANK LTD
Gurgaon
11.2012 - 03.2019
  • Company Overview: Banking and Finance
  • Principal responsibilities includes managing existing and new retail & corporate clients to maximize relationship building, understanding their business requirements; providing leads to relationship managers/product sales managers -where opportunity exists
  • Meet clients where required, answer customer queries, coordinate with back office operations & facilitate their transactions as required to ensure total customer satisfaction
  • Driving the BSP sales targets & cross-selling opportunities at branch level
  • Motivate, coach & develop the lobby staff
  • Responsible for BSP staff recruitment and appraisals
  • Partnering other business units present at the branch
  • Support the Business Managers/Business Heads/Financial control team in preparation of any audit related deliverables
  • Generate various MIS reports as applicable
  • Ensure timely escalation of issues impacting business and possible solutions to address the concerns
  • Play an active role in new products, processes, systems roll out
  • Comply with bank policies and procedures to ensure safety and security of banks' and customer's assets
  • Provide constructive feedback, identify training & development needs of the team & conduct internal training at frequent intervals to meet the training requirements
  • Define Goals & performance parameters for the team & guide/coach them in achieving the same
  • Banking and Finance

Customer Service Officer

ICICI Bank Limited
New Delhi
04.2010 - 11.2012
  • Company Overview: Banking and finance
  • Handle Retail Branch Banking Operations
  • Ensure the stipulated TAT for various products and services
  • Manage all operations of the branch, which includes Branch Banking Matrix, Audits, Five S, Staff Management, Lobby Management, and Resolving Customer Complaints etc
  • Give quick resolution to the customer in all aspects like queries and complaints
  • Authorization of various general Retail banking operations like Cash, Transfers, Clearing, Remittances
  • FCRM Champ, managing CSI (Customer Service Index) score for bank branch, Senior Management escalations
  • Responsible for active participation in CASA Project (Current Accounts & Saving Accounts acquisition as well retention of old accounts)
  • To ensure cross-sell various products of Bank (Fixed Deposits, Recurring Deposits, and Gold Coins) and allied companies like ICICI Prudential Insurance, ICICI Lombard General Insurance, and Mutual Funds
  • Banking and finance

Branch Operation Executive

Reliance Life Insurance Co Ltd
Patna
07.2008 - 03.2010
  • Company Overview: Insurance Operations
  • Business processing from Scrutiny or underwriting & Login till Issuance, Renewal collection from client, interaction with client through Phone & email
  • Recruitment & Training of Insurance Advisers & Generate Agent Code
  • Customer Relationship Management, Solve all the Query, Request, complaint & Internal Tracking of Internal and external Customer
  • Finance Related Work like Branch imprest, PIS, Day Book etc
  • & Branch Administration
  • Data Management, Maintaining imp tracker, MIS and Reporting
  • Insurance Operations

Education

Applied Financial Risk Management(FRM) - Risk Management

Indian Institute of Management, Indore(IIM Indore)
Indore
04-2025

MBA/PGDM - Marketing And Finance

L. N. Mishra Institute of Economic Development & Social Change
Patna
07-2008

B.Sc - Zoology

A N College
Patna
05-2004

ISC - Science

Patna High School
Patna
05-2000

Skills

  • Financial Management
  • Compliance
  • Process Oriented
  • Marketing & Selling
  • Investment Banking
  • Trade & Forex
  • Quality Assurance
  • Customer Service Management
  • Customer Relationship Management
  • Complaint Management
  • Troubleshooting
  • Problem Solving
  • People Management
  • Team Orientation

Certification

  • AMFI Qualified
  • Certified by National Institute of Securities Market Series VI
  • IRDA Advisor

Languages

  • English, Proficient
  • Hindi, Expert
  • Regional, Expert

Personal Information

  • Date of Birth: 12/14/82
  • Gender: Male
  • Marital Status: Married

Affiliations

  • Chess Playing, Watching Cricket, Travel

Timeline

AVP II Pioneer Banking

IndusInd Bank Ltd
03.2024 - Current

Assistant Vice President and Deputy Branch Manager

Yes Bank
09.2023 - 02.2024

Senior Manager and Operations Head

Axis Bank
09.2019 - 08.2023

Deputy Branch Manager

IndusInd Bank
03.2019 - 08.2019

Branch Service Delivery Leader (DBM)

YES BANK LTD
11.2012 - 03.2019

Customer Service Officer

ICICI Bank Limited
04.2010 - 11.2012

Branch Operation Executive

Reliance Life Insurance Co Ltd
07.2008 - 03.2010

Applied Financial Risk Management(FRM) - Risk Management

Indian Institute of Management, Indore(IIM Indore)

MBA/PGDM - Marketing And Finance

L. N. Mishra Institute of Economic Development & Social Change

B.Sc - Zoology

A N College

ISC - Science

Patna High School

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