Results-driven and customer –focused Leader with a demonstrated history of more than 20 years of Strategy, Product development, Process Management, sales and marketing with technology in the banking and Finance industries. Possess exceptional executional time management, customer relations and communication skills. Regularly looking for ways to increase overall market share by engaging consumers, uniting team members and refining strategies and their implementation
Successfully Built or scaling Distribution of Secured and Unsecured Loans proposition on top of an existing retail or hybrid (digital and retail) networks with appropriate vendor engagement and sales strategies • Managing and building the distribution channels with regular monitoring of sales and collections of 1200Cr YOY •
Responsible for acquiring new clients through actively prospecting and generating leads and ensure achievement of the defined targets for the Pan India.
Ensuring that customers get world-class services and their needs are understood and met through financial products that the Bank has to offer. Though handling a 120 cr branch base. Successfully meeting the branch targets set under liability, assets, TPP and other products. With 90% Responsible for managing, training and motivating of all branch staff.
Ensuring excellent customer service and compliance to both internal/ external audit guidelines and statutory mandate of RBI, and other regulatory bodies
Responsible for supervision of Cash and Customer transactions, Lobby Management, Resolution of customer queries/complaints Supervision of Managing vault limits & vault custodian, Supervising all Noncash transactions like DD/ MC, fund transfer etc. To ensure Reconcile all Suspense accounts and maintain the register Supervision of Key register updating, Branch batch opening/ closure timings Maintenance of Specimen Signature signatures of staff, Review Branch reports like End of day (EOD) cash position report, Instruments issued etc. Monitoring of dump accounts, suspense accounts, deferred accounts, accounts payable/ receivable, Reconciliation and maintenance of suspense accounts register as per the required formats
Successfully handled a team of 8 Relationship Manager, Enhanced engagement of High Net Work customers through joint call 100% , Achieved Sales across Liabilities, Retail Assets, Business Banking, Forex, Credit Cards, and online trading etc. and achieving the Branch targets, effectively to 94% Effectively increased the Income Product Holding (IPH) of
the Relationship Manager Portfolio and initiating thrust on Cross sell to 75%
Managing a portfolio size of 150 crores Major focus into the retail and corporate customers in terms of their Groups, i.e. number customers in one group, their product holding, retention and new acquisition. With Score card at 100% successfully Catered to the needs of these customers in terms of services and sale. Cross Selling of major products like Trade Finance, Working Capital loans, Remittances CASA, TPP (Third Party products-MF, Insurance), and Asset to the portfolio customers. Identifying new customers and acquiring them into the portfolio. Handling Branch operations-generating reports- daily checking
Business growth and retention
Business processes and procedures
Business Process Planning
Strategic business initiatives
New business acquisition
Business development strategy
Business Value Realization
Core Competencies