PIYUSH SHARMA

City Union Bank Bhopal Branch Since April 2023 to Current

• Leading the branch in a busy high street branch of Bhopal (M.P. Nagar Branch)
• GL Business Rs. 140 Cr.
• Team Members - 10 Staff , BOM's ,BSM's and RM's
• Engaged in Sales & Business Development activities
• Target achivmnts for Asset Home loan, Working Capital Limit Projects loan ,Auto Loans and Fee Products (, LI, GI other fee products)
• Preparing and monitoring of Sales plan for the branch
• Building a healthy asset and liability book.
• Increase market share in the catchment area
• Preparing and Tracking product wise - liabilities, assets & fee for the full financial year.
• Preparing and review monthly activity calendar of outbound activities of Branch Staff
• Reviewing Star Customer visit for Cross selling of banking Products
• Reviewing all employees in branch -Daily basis.
• Reviewing productivity on a weekly basis- BOM's & BSMs
• Conducting Daily Morning Huddles to discuss daily plan and agenda for employees.
• Ensuring proper on-boarding of all new customers acquired.
• Tracking inflow outflow reports, account closures, FD renewals, FD closures, overdue FD, locker occupancy, Sales and thus daily business generation.
• Reviewing Exit Customer data.
• Reviewing Lead management proper assignment and closure of leads.
• Tapping markets or customer segments within the catchment of the branch, which are hitherto untapped, to increase the GL Base of the branch.
• Managing Key Branch Relationships in branch.
• Ensuring Wait Time within permissible limits as per segment service approach.
• Complaint handling in branch.
• Implementing 4D Concept -Data of Star customer preparation, Delegation of customers, Deepening of star customer and daily review of staff.
• Making 3 Existing Star customer visit per day, to maintain and enhance the relationships.
• Visiting new customer daily above threshold limit Rs 100.00 lakhs.
• Conducting customer engagement program - Monthly basis.
• Maintaining Lobby Management daily during peak hours.
• Arranging staff roister, leave calendar and maker-checker seating arrangement.
• Resolve customer queries through internal escalation matrix for enhanced service experience for customers.
• Checking, Authorizing and verification of various reports below -Daily Basis.
• Exception report, TOD Report, Arrears Report (Including SMA 0,1,2 Report).
• TOD report, Section Book, Trial Balance.
• Verification and checking of Important Registers below - Periodic Basis.
• Complaints register/ book, Fake notes register, Locker Registers, Account opening register, FD, DD Lot register Cash moment register, Surprise visit, audit and inspection register.
• Engaged in activity of - Branch audit on monthly basis, quarterly basis and yearly basis.
• Managing and monitoring of lockers keys, forms and all compliance related lockers - Physical verification of locker master keys and vacant locker keys.
• Verifying the welcome kits and register on Periodic Basis.
• Verifying KYC documents at the time of account opening along with due diligence of customer.
• Preparing handling and reporting of RBI, and other regulatory audits at branches.
• Engaged in educating employees on fraud prevention, password protection and branch security.
• Reviewing in Branch Look & Feel - lobby area, merchandising calendar for posters, seating arrangement etc on a daily basis along with Proper ATM upkeep, notice board and posters.
• Engaged in Growth of Net Interest Income for branch and Asset business on regular basis.
• Increasing Fee Income of branch through cross selling of banking products -Health Insurance, Life insurance, General insurance with tie - up companies along with sovereign Gold bonds.
• Increasing CASA and Fixed Deposit portfolio in branch through customer service and lead generation.
• Verifying - Inflow and Outflow reports, GL reports and Day Book reports.
• Generating lead of Housing loan, Auto loan, Loan against property, Working capital loan and limits, BG, Loan against deposit and Jewel and other advance products.

Branch Manager in Ujjain Main Freeganj Branch

Handling the Mid size Branch of team of 7 resources along with sales team

Involving in achieving the business target in both Asset and liabilities along with Fee income (Cross selling of banking products )

Ensuring Audit and compliances in branch

Insuring Staff productivity for achieving th staff individual

Verifying daily reports SMA ,Arrears ,NPA Collections , Pre sanction and Post sanction documentation ,TAT , Expeptional reports

Ensuring Branch productivity, Deligating team for Canopy Marketing

Visiting Star customer Visit having exposure above Rs 100 lakhs and potential customer visits

Ensuring Due diligence

· Branch Operation –Engaged in complete branch operations ,along with business development activity and cross selling of products

· Sourcing of credit proposal and managing portfolio of branch customers

· Managing Five Sr. and Junior associates in branch (Operations and Marketing activity)

· Engaged in documentations of credit proposals (Post sanction activity) along with Renewals, Enhancement and other request of customers

· Credit Officer : Part of Credit Underwriting team for sanctioning line of credit to SME,MSME, Corporate (Funded and Non Funded exposure) and retail clients

· Post sanction follow up with branches

· Determining project viability

· Monitoring of SMA clients of allocated branches

· Developing of credit department reports for interdepartmental meetings

· Branch Operation:- Engaged in branch operation authorization activity (Cash, Deposits and clearing activity)

· Managing portfolio of allocated customers

· Marketing for CASA products

• Did the analysis of mutual fund sector in India.
• Interacted with the customers in relation with the products of Birla Sun life Mutual Fund.
• Ratio analysis, marketing and promotion of products of Birla Sun life Mutual Fund.
• Selling of Mutual Fund products of Birla Sun life Mutual Fund.