Pooja Kumari

Branch Manager

- Oversee all aspects of branch operations, including staff management, customer service, sales, and compliance.

- Developed and implemented strategies to achieve branch sales targets, resulting in increased revenue growth year-over-year.

- Trained and mentored branch staff to deliver exceptional customer experiences and meet performance goals.

- Conducted regular performance evaluations and provided constructive feedback to staff to drive continuous improvement.

- Maintained a high level of compliance with regulatory requirements and internal policies and procedures.

- Cultivated relationships with key clients and local businesses to drive business development and increase market share.

Customer Relationship Management

-Managed a portfolio of high-net-worth clients, providing personalized financial solutions and advice.

- Cultivated and maintained strong relationships with clients, resulting in an increase in assets under management.

- Collaborated with internal teams to identify cross-selling opportunities and optimize client portfolios.

Business development

-Strategic development of bank’s business with existing client base, referrals and sales teams.

-Development and maintained business in Asset and liability products

-Developed and implemented Cross selling strategies to increase organization’s revenue.

Loans & Advances

- Processed loan applications, verifying applicant information, and ensuring completeness and accuracy of documentation.

- Coordinated with customers, loan officers, underwriters, to facilitate timely processing and approval of loans.

- Conducted preliminary credit analysis and risk assessment to identify potential discrepancies in loan applications.

- Provided administrative support to the lending team, including data entry, file management, and communication with clients.

- Conducted thorough credit assessments and risk analysis to evaluate loan applications and determine creditworthiness of applicants.

- Managed a portfolio of loans, including Gold loans, mortgage loans/retail loans, and business loans, from application to Pre and Post compliance.

- Ensured compliance with regulatory requirements and internal policies throughout the loan origination process.

Compliance & KYC

- Conducted regular reviews and audits of internal processes and systems to identify compliance gaps and areas for improvement.

- Provided guidance and training to staff on compliance-related matters, including KYC procedures, AML/CFT regulations, and sanctions screening.

- Investigated and resolved compliance issues, discrepancies, and potential violations in a timely and effective manner.

- Conducted thorough due diligence and KYC checks on new and existing customers to verify their identities, assess risk levels, and ensure compliance with regulatory requirements.

- Reviewed customer documentation, including identification documents, business licenses, and financial statements, to validate information provided and detect any inconsistencies or red flags.

Liability products (CASA)

- Prospected and acquired new customers for CASA accounts through various channels, including direct sales, referrals, and networking events.

- Educated customers on the benefits and features of CASA accounts, including interest rates, transaction limits, and online banking services.

- Assisted customers in completing account opening procedures and documentation, ensuring compliance with regulatory requirements.

- Provided ongoing support and assistance to CASA customers, addressing inquiries, resolving issues, and promoting additional banking products and services.

- Managed a portfolio of deposit accounts, including savings accounts, current accounts, and fixed deposits, for high-net-worth individuals and corporate clients.

- Developed and implemented strategies to attract and retain deposit customers, including targeted marketing campaigns, promotional offers, and relationship-building initiatives.

- Provided personalized financial advice and solutions to clients to optimize their deposit holdings and maximize returns on their investments.

- Collaborated with cross-functional teams, including sales, marketing, and product development, to identify opportunities for deposit growth and enhancement of deposit products and services.