Nitesh Kumar Chablani

Work History

Karnataka Bank

Mumbai, Maharashtra

04.2025 - Current

Directed overall branch operations, ensuring smooth functioning in deposits, advances, and customer service while strictly adhering to RBI Guidelines.
Contributed in branch business targets in CASA, retail & SME loans, insurance, and investment products.
Attended Joint Documentation as consortium member.
Represented karnataka bank on various district level forums meetings held at Collector office Mumbai-Suburbs.
Maintained low NPA levels through strong credit appraisal, risk management, and recovery initiatives.
Provided leadership and guidance to branch staff, fostering teamwork, productivity, and customer-centric service.
Ensured audit compliance, KYC/AML adherence, and regulatory reporting to maintain high standards of governance.
Promoted digital banking solutions, improving customer convenience and branch efficiency.

Karnataka Bank

01.2025 - 04.2025

Led the credit marketing function, focusing on acquisition and promotion of retail loan products.
Developed and executed marketing strategies for loan products, driving customer acquisition and business growth.
Built strong relationships with corporate clients, SMEs, and high-net-worth individuals to generate retail credit business.
Conducted market research and competitor analysis to identify opportunities and improve product positioning.
Ensured strict compliance with RBI guidelines, internal credit policies, and audit requirements.
Trained and mentored staff on credit appraisal techniques, customer engagement, and sales processes.
Consistently achieved loan disbursement contributing to overall profitability of the bank.

Karnataka Bank

11.2024 - 01.2025

Handled customer relations issues, enabling quick resolution, and client satisfaction.
Overcame objections from potential clients by addressing concerns effectively and offering customized solutions based on their unique needs.
Increased sales revenue by developing and implementing effective sales strategies.
Built long-lasting client relationships through excellent customer service and consistent followups.
Implemented CRM systems for better tracking of leads, improving follow-up processes and communication within the team.

Karnataka Bank

09.2023 - 11.2024

Drove acquisition of new Current and Savings Accounts (CASA) through direct sales, corporate tie-ups, and field activities.
Consistently achieved and exceeded monthly and quarterly CASA targets, contributing to branch growth.
Conducted cold calls, lead generation, and customer visits to expand client base and build long-term relationships.
Educated customers on digital banking, UPI, and mobile/internet banking platforms, increasing adoption of tech-based services.
Cross-sold financial products including fixed deposits, insurance, and debit/credit cards while focusing on CASA penetration.
Ensured strict compliance with KYC/AML norms and accurate documentation for all new account openings.
Coordinated with branch teams for activation and deepening of accounts, improving balances and customer engagement.
Delivered excellent customer service and grievance handling, resulting in improved client satisfaction and retention.

Karnataka Bank

08.2021 - 09.2023

Managed daily banking operations including account opening, deposits, withdrawals, remittances, and loan processing in compliance with bank policies.
Assisted customers with financial products and digital banking services, ensuring high satisfaction and retention.
Supported credit appraisal, loan documentation, and recovery follow-up to maintain portfolio quality.
Ensured KYC, AML, and RBI compliance, reducing operational risk and strengthening audit performance.
Handled cash management, clearing, and reconciliation with accuracy and efficiency.
Cross-sold banking products such as insurance, mutual funds, and credit cards, contributing to branch revenue.
Cross-sold banking products such as insurance, mutual funds, and credit cards, contributing to branch revenue.
Collaborated with the branch team to achieve CASA, advances, and business development targets.
Actively promoted digital transactions, UPI, and mobile banking adoption, improving customer convenience.
Gained experience in customer grievance handling and problem resolution, strengthening trust in the bank.