Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Additionalinformation
Languages
Timeline
Generic

Owais Ahmed Chishti

Baramulla

Summary

Experienced with managing branch operations and driving team performance to achieve business goals. Utilizes strategic planning and effective leadership to enhance operational efficiency. Track record of fostering strong client relationships and implementing successful financial strategies.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Branch Manager

ICICI Bank Ltd
09.2023 - Current
  • Responsible for supervising and managing the branch with respect to market share and profitability
  • Achieving sales goals month on month vis a vis liabilities, assets, fee income, forex etc
  • Ensure excellent customer service in order to ascertain that all complaints are queries are resolved with in TAT and thereby causing customer delight
  • Responsible for overall business development of the branch as well as the staff
  • Conduct regular meetings to discuss branch performance with the team along with management objectives and expectations out of us
  • Responsible for generating income from the given portfolio by cross selling various fee products
  • Oversee daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation
  • Sustain fraud controls and money laundering checking procedures through risk and controls management (AML/KYC)
  • Implementing effective sales strategies to achieve branch targets and exceed expectations consistently
  • Monitor staff productivity and pass on guidance for improving the same
  • Continuously update management on feedback from staff as well as customers and give recommendations for growth
  • Conduct trainings regularly for self as well as staff development
  • Coordinate with different verticals inside the bank for providing 360 degree program to customers
  • Conducting audit, making reports and ensuring compliance of statutory requirements as per audit guidelines as well as regulations laid down by various acts by governing bodies
  • Analyzing customer needs, accordingly providing customized banking solutions and beneficial suggestions to them to ensure maximum customer satisfaction for referral and repeat business
  • Strengthening relationships with existing customers and formulate strategies to enhance and deepen their relationships with the bank
  • Responsible for personally monitoring and maintaining portfolio of HNI and Super HNI clients who generate more than 70% of the branch's revenue
  • Responsible for attending regulator meets on quarterly basis which is organized by lead bank of the area under jurisdiction
  • Manage branch budgets by effectively doing cost benefit analysis
  • Hire and train employees to ensure there is no shortage of manpower and team is sufficiently equipped to perform their duties
  • Have to ensure that bank has required distribution channels in place with respect to setting of new branches as well as ATM network
  • Optimized revenue generation strategies for sustainable growth.
  • Identified growth opportunities with comprehensive market analysis.
  • Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Implemented risk management strategies to minimize potential losses while maintaining a healthy balance between risk and return on investments.
  • Fostered culture of excellence and accountability, resulting in branch consistently exceeding performance targets.
  • Increased customer satisfaction with personalized banking solutions, tailoring services to meet individual financial goals.

Senior Manager

HDFC Bank Ltd.
04.2019 - 08.2023
  • Responsible for supervising and managing branch sales and operations
  • Achieving sales targets across various products like liabilities, assets, fee, forex etc
  • Ensure all customer instructions received at the customer experience workstation are duly actioned and authorized in order to provide best in class customer service
  • Appraise and promptly address customer issues escalating as necessary to ensure timely resolution
  • Ensure no revenue leakage by prompt revenue collections like commissions and charges
  • Train motivate and create good working environment for staff to ensure maximum productivity
  • Business Development
  • Responsible for generating income from the given portfolio by cross selling
  • Effective use of RCA and other operational risk management tools as a risk control measure and ensure satisfactory rating for the staff and branch
  • Generate sales leads from existing customers by taking their referrals and ensuring proper follow up till closure
  • Management of branch assets to ensure they are well maintained and in good working order
  • Conducting audit, making reports and ensuring compliance of statutory requirements as per audit guidelines as well as regulations laid down by various acts by governing bodies
  • Conduct regular meetings to discuss branch performance with the team along with management objectives and expectations out of us
  • Ensure that safe deposit lockers are managed properly
  • Oversee daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation
  • Sustain fraud controls and money laundering checking procedures through risk and controls management (AML/KYC)
  • Executed targeted strategies to enhance competitive positioning in key markets.
  • Identified performance gaps by analyzing operational workflows and employee feedback.
  • Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
  • Evaluated hiring, firing, and promotions requests.
  • Improved staffing during busy periods by creating employee schedules and monitoring call-outs.
  • Set aggressive targets for employees to drive company success and strengthen motivation.
  • Developed detailed plans based on broad guidance and direction.
  • Maintained professional demeanor by staying calm when addressing unhappy or angry customers.

Personal banker Authorizer

HDFC Bank LTD.
09.2015 - 03.2019
  • Supervising and monitoring branch transactions and sales in order to enhance the value of existing accounts and retention of existing portfolio
  • Supervise and monitor personal banker desks and contract sales staff
  • Branch administration
  • Lobby Management
  • Ensure quality customer service is delivered
  • Resolution of customer queries and complaints
  • Monitor staff productivity and give guidance on improving the same
  • Monitoring of dummy accounts, suspense accounts, deferred accounts and accounts payable/receivable
  • Responsible for branch operations and audit compliance
  • Authorize personal banking transactions
  • Supervising all non-cash transactions like DD/MC, fund transfer etc
  • Ensure all staff is adequately trained on various products
  • Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
  • Improved customer satisfaction by providing personalized banking solutions and exceptional service.
  • Promoted financial products by maintaining excellent service offering knowledge.
  • Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
  • Conducted regular audits of cash handling procedures, minimizing risk exposure for the branch.
  • Enhanced digital banking adoption among clients with targeted education initiatives.
  • Maintained high accuracy in transaction processing, ensuring client trust and financial security.
  • Trained new personal bankers, elevating team performance and service quality.
  • Tracked and processed customer account requests and applications.
  • Reduced errors in authorization documents by implementing a rigorous quality control process before submission.

Relationship Manager

HDFC Bank LTD.
12.2012 - 08.2015
  • Managing the High Net Worth customers of the Bank
  • Achieving the Business targets assigned in terms of cross selling, enhancing and upgrading the High Net Worth relationships
  • Profiling Customers and provide financial products to meet customer needs
  • Ensuring the highest levels of service to the High Net Worth customers
  • Providing financial planning & Investment advice for portfolio customer
  • Sales targets spread across Liabilities, Retail Assets, Business Banking, Forex, Credit Cards, Online trading etc
  • One point contact for all requirements of High Net Worth customers in the Branch
  • Acquisition & Servicing of High Net Worth customers
  • Cultivated strong client relationships by providing personalized support and tailored solutions.
  • Partnered with cross-functional teams to align strategies for improved client service.
  • Consistently exceeded quarterly sales goals by cultivating a strong network of professional contacts and referrals.
  • Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
  • Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
  • Coordinated efforts between various departments such as sales, credit assessment, operations teams for smooth delivery of services to clients.
  • Negotiated and closed complex deals with key clients, securing significant revenue streams.
  • Conducted in-depth market research to identify new business opportunities and potential areas for expansion.

Assistant Manager II

ICICI Bank Ltd.
06.2010 - 12.2012
  • Sourcing Home Loans/Loan against Property through DMAs of Delhi/NCR
  • Customer Handling
  • Business Development
  • Team Management
  • Cross-selling Life and General Insurance of ICICI Prudential and ICICI Lombard with a combined average premium of 10 Lacs per month
  • Responsible for increasing the distribution network for mortgage business in and around Delhi
  • Relationship building activities with real estate developers and housing societies for generation leads

Education

MBA - Marketing Management

IBS
Hyderabad, India
04.2010

Bachelor of Science - Zoology (Hons)

Aligarh Muslim University (A.M.U)
Aligarh, India
06.2007

Skills

  • Branch Operations Management
  • Customer Service
  • Customer Relationships
  • Business Development
  • Team Supervision
  • Relationship Management
  • Staff Management
  • Excellent time management skills
  • Attention to detail
  • Excellent work ethic
  • Staff management
  • Operations management

Accomplishments


  • Excellence Award for Exemplary Performance in Kshitij - 2001
  • Excellence Award for Exemplary Performance in National Conclave 2011
  • Achiever's award in recognition for outstanding contribution to Mission 1.5 Crore
  • Recognition for Valuable Contribution towards ICICI Life Insurance Business for December 2011
  • Award for Outstanding Contribution in GI Mortgages for Q1 in 2011

Certification

  • I.R.D.A certified
  • Managerial Effectiveness Program
  • A.M.F.I Certified

Additionalinformation

Windows, D.O.S, MS Word, MS PowerPoint, MS Excel, Excellence Award for Exemplary performance in Kshitij-2011, Excellence Award for Exemplary performance in National Conclave 2011, Achiever's Award in recognition for outstanding contribution to Mission 1.5 Crore, Recognition for Valuable Contribution towards ICICI Life Insurance Business for December 2011, Award for Outstanding Contribution in GI Mortgages for Q1 in 2011, Award of Excellence for Zonal Boot Camp 2012, Award for outstanding Business performance in FY 2014-15, Award for excellent business contribution for FY 2016-17, Qualified domestic IRP in 2016, Cooking, Playing Cricket, Trekking

Languages

English
Bilingual or Proficient (C2)
Hindi
Upper intermediate (B2)
Urdu
Upper intermediate (B2)

Timeline

Branch Manager

ICICI Bank Ltd
09.2023 - Current

Senior Manager

HDFC Bank Ltd.
04.2019 - 08.2023

Personal banker Authorizer

HDFC Bank LTD.
09.2015 - 03.2019

Relationship Manager

HDFC Bank LTD.
12.2012 - 08.2015

Assistant Manager II

ICICI Bank Ltd.
06.2010 - 12.2012

MBA - Marketing Management

IBS

Bachelor of Science - Zoology (Hons)

Aligarh Muslim University (A.M.U)

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Owais Ahmed Chishti