Hi, I’m
Parmjot Singh
Banker
V.P.O KOTLA NIHANG DISTT. ROPAR
Summary
Welcoming New Accounts Representative excited to transition to reputable company. Skilled at marketing bank products, handling account maintenance and evaluating new customer information. Hardworking and organized with exceptional time management abilities.
Overview
9
years of professional experience
3
Languages
Work History
HDFC Bank
Personal Banker Authorizer
05.2022 - Current
Job overview
- Monitored customer accounts to detect irregularities or suspicious activity.
- Promoted financial products by maintaining excellent service offering knowledge.
- Exceeded individual performance metrics consistently while maintaining exceptional levels of client satisfaction ratings throughout tenure as Personal Banker.
- Interviewed customers to obtain information needed for opening new accounts or renting safe-deposit boxes.
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Processed deposits, withdrawals and Fund transfers and RTGS and NEFT accurately.
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Greeted customers and delivered information about new account processes.
- Assisted in the development of marketing strategies to increase awareness of bank products and services within the local community.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Responded to customer inquiries regarding new accounts and account services.
- Monitored accuracy of customer information in system.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Presented new and additional products and services to existing customers.
- Utilized customer relationship management software to provide accurate and complete customer service.
- Activated new accounts and issued customer identification numbers.
- Processed customer payments and account setup charges.
- Contributed to a positive work environment, fostering teamwork among colleagues to enhance productivity levels.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Verified customer identity and reviewed documentation for accuracy.
- Enhanced client retention with proactive follow-ups and timely resolution of account issues.
- Tracked and processed customer account requests and applications.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
- Self-motivated, with a strong sense of personal responsibility.
- Resolved escalated issues promptly, maintaining high levels of customer satisfaction and trust in our services.
- Maintained updated knowledge of industry regulations, policies, and best practices to provide informed guidance to clients.
INDUSIND BANK
SERVICE DELIVERY MANAGER
3 2021 - 05.2022
Job overview
- Attend Branch walk-in customers; understand their requirements and guide them to fulfill their queries/concerns
- Understand customers’ requirements and create opportunities to cross sell relevant products/ services
- Implement customers life events management framework at the Branch; ensure adherence to guidelines specified thereof
- Responsible for handling customer queries and provide information as per defined standards and escalate to BM in case of any deviation
- Assist service quality team in conducting surveys on customer satisfaction and client impact; service audits
- Maintain direct contact with customers either by telephone or face-to-face
- Conduct exit interviews for drop out customers and report the findings to BM
- Assist in Rural Banking Plus activities being conducted in the Branch
- Action on closure of presidential complaints from customers of respective branch
- Being backup of Deputy Branch Manager I am take caring for Joint custodian of cash, Branch keys/vault/lockers; ensure all secured stationary are in stock and tracks usage
- Accountable for cash transactions in the branch including aspects such as cash management, tallying of cash with reports in system & vouchers and maintenance of registers for cash transactions and reconciliation of day end ledgers with the help of cashier
- Approve/authorize transactions as required, check and ensure genuineness of the documents provided by the customers
- Serve as a point of check for completion of forms/applications, verification of the KYC documents and other document proofs provided by the customer for purposes such as transactions, account opening etc
- Take overall responsibility for housekeeping, physical infrastructure and IT infrastructure
- Responsible for coordination of functioning and replenishment of cash in the Branch ATMs (to be decided post finalization of ATM operating model)
- Coordinate activities with Regional-Fund Transfer Unit and Branch Monitoring teams
- Coordinate with the internal and external audit team in carrying out the periodic Branch audits; formulate and review progress against action plans to address the deviations found in Branch operations and service quality
- To ensure strict adherence to regulatory compliances in running the branch and report deviations to CRM, perform the role of operations risk and compliance representative at the branch and report to regional OR & compliance managers.
UJJIVAN SMALL FINANCE BANK
BRANCH OPERATIONS OFFICER
11.2019 - 02.2021
Job overview
- Take overall responsibility for administration and control of the branch operations, including its infrastructure and personnel
- Handle walk-in sales in absence of liabilities/assets sales personnel
- Drive leads from walk-in customers
- Oversee adherence to customers life event management at branch
- Handle walk-in customers in the absence of the CCR; build & manage robust relationships with the customers by providing exceptional customer service
- Ensure customers are assisted/educated to use ATMs and motivate them to use ATMs for smaller transactions
- Ensure adherence to TAT for all branch transaction, grievance redressal and customer queries
- Address customer complaints and queries escalated by branch staff in a timely manner (Tracking and reporting); ensure reduction in customer complaints over a period of time
- Joint custodian of cash, Branch keys/vault/lockers; ensure all secured stationary are in stock and tracks usage
- Accountable for cash transactions in the branch including aspects such as cash management, tallying of cash with reports in system & vouchers and maintenance of registers for cash transactions and reconciliation of day end ledgers with the help of cashier
- Approve/authorize transactions as required, check and ensure genuineness of the documents provided by the customers
- Serve as a point of check for completion of forms/applications, verification of the KYC documents and other document proofs provided by the customer for purposes such as transactions, account opening etc
- Take overall responsibility for housekeeping, physical infrastructure and IT infrastructure
- Responsible for coordination of functioning and replenishment of cash in the Branch ATMs (to be decided post finalization of ATM operating model)
- Coordinate activities with Regional-Fund Transfer Unit and Branch Monitoring teams
- Coordinate with the internal and external audit team in carrying out the periodic Branch audits; formulate and review progress against action plans to address the deviations found in Branch operations and service quality
- To ensure strict adherence to regulatory compliances in running the branch and report deviations to CRM, perform the role of operations risk and compliance representative at the branch and report to regional OR & compliance managers.
UJJIVAN SMALL FINANCE BANK
CUSTOMER RELATIONSHIP OFFICER
03.2015 - 02.2021
Job overview
- Business Asset - No of Loans (NCA+RCA+Top up) per Month
- Business-Asset - IL Conversion per Month
- Business Asset - Disbursement (NCA+RCA+Top up+IL) per Month
- Business Deposit - New Savings Account per month for Non Borrowing customer with Avg balance of Rs 5000
- Business Deposit- New Fixed Deposit & Recurring Deposit Value per month
- Business TPP- TPP products per month
- Business Portfolio Quality - IOD
- Business Portfolio Quality-OTRR Internal Process
- Process and Efficiency - Indus Updation
- Process and Efficiency - Loan TAT (Standard TAT)
- Process and Efficiency-Hardcopy Document Submission 60 days Customer
- Financial Literacy & Social Services Activities-Ensure presence & maximum customer attendace during Diksha Slot
- Ensure maximum Coversion of Leads gerated (SB Ac/RD/FD) by all social services activities
- Financial Literacy & Social Services Activities-Identify potential candidate for HESP
- Financial Literacy & Social Services Activities- Ensure participation in Chote Kadam program.
UJJIVAN SMALL FINANCE BANK
CUSTOMER CARE REPRESENTATIVES
02.2017 - 10.2019
Job overview
- Attend Branch walk-in customers; understand their requirements and guide them to fulfill their queries/concerns
- Understand customers’ requirements and create opportunities to cross sell relevant products/ services
- Implement customers life events management framework at the Branch; ensure adherence to guidelines specified thereof
- Responsible for handling customer queries and provide information as per defined standards and escalate to BM in case of any deviation
- Assist service quality team in conducting surveys on customer satisfaction and client impact; service audits
- Maintain direct contact with customers either by telephone or face-to-face
- Conduct exit interviews for drop out customers and report the findings to BM
- Assist in Rural Banking Plus activities being conducted in the Branch
- Action on closure of presidential complaints from customers of respective branch
- Visit customers whose loans have been rejected or cancelled and report the reasons to BM
- Attend non-financial transactions such as; updating customers’ mobile number, handle customer requests such as pass book print, account statements, cheque book, ATM, PIN requests, account closure requests (FD/CASA/RD) and address change request etc
- Handle customer enquiries & complaints received through BCs
- Provide feedback to the BM about product/process and contribute to the improvement
- Engage in creating awareness about appropriate loan utilization/savings to the customers
- Responsible for motivating customers to use alternate channels such as ATMs, BCs and assist/educate customers to use ATMs for dispensing cash and educate them on using kiosks & phone banking
- Report inappropriate collection practices by Branch staff and/or group/center members to BM
- Support cashier in daily activities especially if cash disbursement and repayments are high
- Coordinate with cash and accounts maintenance team in operations department to run smooth Branch operations
- Ensure timely scanning of loan application documents to maintain the required turnaround time (TAT)
- Assist the BM in coordination for internal and external audits in the Branch.
Education
P.S.E.B
10th
P.S.E.B
12th
HIMALAYAN UNIVERSITY, ITANAGAR, ARUNACHAL PRADESH
Bachelor of arts
Skills
Cash Handling
Revenue Generation
Customer Service
Banking operations knowledge
Problem-solving aptitude
MS Excel
Effective Communication
Teamwork and Collaboration
Teller Support
Relationship building and management
Branch operations
Team building
Cross-Selling and Upselling
Self Motivation
Banking
MS Office
Accomplishments
- Best Employee of the year for FY 2017-2018.
- Appreciation certificate for Best quality Service.
- Awarded for Branch Event Organized in well mannered order.
Goals
- To look for a platform where I can justify my skills.
- To get recognition in the work by largely working in the best interests and benefits of the organization.
- To take the organization to a higher level with fresh ideas and innovative thoughts.
Personal Information
- Father's Name: Late. Sh. Amritpal Singh
- Mother's Name: Mrs. Jaswinder Kaur
- Date of Birth: 11/22/93
- Nationality: Indian
- Marital Status: Single
Permanent Address
V.P.O. Kotla Nihang, District & Tehsil Ropar, Punjab
Date Of Birth
11/22/93
Disclaimer
I hereby confirm that the information provided above is true and correct to the best of my knowledge and believe. If given a chance I will be an asset to your company.
Timeline
Personal Banker Authorizer
HDFC Bank
05.2022 - Current
BRANCH OPERATIONS OFFICER
UJJIVAN SMALL FINANCE BANK
11.2019 - 02.2021
CUSTOMER CARE REPRESENTATIVES
UJJIVAN SMALL FINANCE BANK
02.2017 - 10.2019
CUSTOMER RELATIONSHIP OFFICER
UJJIVAN SMALL FINANCE BANK
03.2015 - 02.2021
SERVICE DELIVERY MANAGER
INDUSIND BANK
3 2021 - 05.2022
P.S.E.B
10th
04.2009
P.S.E.B
12th
04.2011
HIMALAYAN UNIVERSITY, ITANAGAR, ARUNACHAL PRADESH
Bachelor of arts
04.2017