PAYAL BAGGA
BANKING
Mohali
Summary
Experienced Financial Services Consultant and proven leader at building vibrant businesses by developing new prospects and accounts and managing customer relationships to achieve sales goals. Dedicated to generating customer goodwill and loyalty by developing key relationships with decision-makers. Demonstrated leverage network of customer contacts to increase understanding of customer needs and employ business-growth strategies.
Overview
11
11
years of professional experience
3
3
Languages
Work History
Relationship Officer
Au Small Finance Bank
11.2023 - 05.2024
- Maintained and built close relationships with customers through regular contact and visits.
- Facilitated meetings and discussions between clients, sales and delivery teams.
- Improved client onboarding experience by streamlining documentation processes and setting clear expectations from the outset.
- Provided support during onboarding process for new customers as well as existing ones.
Relationship Manager
HDFC Bank
09.2021 - 10.2023
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Primary focused products are life insurance, personal loans, credit cars, general insurance and other assets is based on the customer's needs.
Relationship Officer
Canara HSBC OBC Life Insurance
05.2021 - 09.2021
- Organized presentations at bank branches to promote Bancassurance products, educating both bank employees and customers on the benefits of these offerings.
- Developed a pipeline of potential customers through networking, prospecting, and cold calling efforts.
- Built strong relationships with clients, resulting in repeat business and client referrals for new opportunities.
- Managed a diverse portfolio of clients from various backgrounds and industries, adapting sales approaches to suit their unique needs and preferences.
Senior Key Account Manager
TATA AIA LIFE INSURANCE
05.2019 - 04.2021
- I have been working with TATA AIA LIFE insurance as a Senior key Account Manager in Central bank branch banking.
- Collaborated with bank branch staff to identify cross-selling opportunities for insurance products within the existing customer base.
- Assisted clients in filing claims and navigating the claim settlement process, ensuring a smooth experience during difficult times.
- Increased Bancassurance product sales by effectively identifying customer needs and presenting appropriate solutions.
- Adhered to compliance standards set by regulatory bodies such as IRDAI regulations.
Assistant Relationship Manager
PNB Met Life Insurance
12.2018 - 05.2019
- Worked as an Assistant Relationship Manager with Sarva Haryana Gramin Bank, sub branches of Punjab National Bank.
- Developed relationships with potential clients to generate leads for bancaassurance sales.
Analyst
Eclerx
02.2015 - 09.2015
- Worked as an analyst in a technical support system. I used to help clients to solve their Time Warner cable system for New York region over phone calls.
- Identified needs of customers promptly and effectively.
Process Associate
Just Dial Limited
07.2013 - 12.2014
- Participated in regular team meetings, contributing valuable insights toward process enhancements.
- Maintained high levels of data confidentiality through adherence to company policies and procedures.
- Developed strong working relationships with cross-functional teams for seamless collaboration on projects.
- I used to offer clients a premium business listing with Justdial to get a number of prospective leads.
Education
MBA - Banking And Finance
LOVELY PROFESSIONAL UNIVERSITY
JALANDHAR 04.2001 -
Bachelor of Science - BSC IT
LOVELY PROFESSIONAL UNIVERSITY
Jalandhar, India 04.2001 -
High School Diploma -
KALPANA CHAWLA GOVERNMENT POLYTECHNIC FOR WOMEN
AMBALA CITY 04.2001 -
GED -
P K R JAIN SENIOR SECONDARY SCHOOL
AMBALA CITY 04.2001 -
Skills
Banking operations
Cross-selling opportunities
Financial planning
Problem-solving abilities
Multitasking
Adaptability and flexibility
Effective communication
Customer needs assessment
Timeline
Relationship Officer
Au Small Finance Bank
11.2023 - 05.2024
Relationship Manager
HDFC Bank
09.2021 - 10.2023
Relationship Officer
Canara HSBC OBC Life Insurance
05.2021 - 09.2021
Senior Key Account Manager
TATA AIA LIFE INSURANCE
05.2019 - 04.2021
Assistant Relationship Manager
PNB Met Life Insurance
12.2018 - 05.2019
Analyst
Eclerx
02.2015 - 09.2015
Process Associate
Just Dial Limited
07.2013 - 12.2014
MBA - Banking And Finance
LOVELY PROFESSIONAL UNIVERSITY
04.2001 -
Bachelor of Science - BSC IT
LOVELY PROFESSIONAL UNIVERSITY
04.2001 -
High School Diploma -
KALPANA CHAWLA GOVERNMENT POLYTECHNIC FOR WOMEN
04.2001 -
GED -
P K R JAIN SENIOR SECONDARY SCHOOL
04.2001 -
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