PUNEESH MALIK

• Leadership role managing a team of managers responsible to oversee the project delivery and ensure on-ground implementation
• Collaborating with local market teams to stay on top of market developments and the competition
• Understanding and representing user needs, both customer and internal teams, to prioritize product features and capabilities
• Analyzing data for insights into customer usage and behavior to identify white spaces and transformation opportunities
• Partnering with technology and other internal stakeholders throughout the project lifecycle from ideation to delivery and on-going iterations to oversee the delivery of product roadmap
• Managed the team towards achievement of individual as well as larger bank level objectives
• Orchestrated complex cross-functional projects, aligning with client goals, and ensuring top-notch results, delivering high-quality and innovative digital solutions
• Capturing, validating, and documenting business and system requirements and making sure that they’re in line with key strategic principles
• Interacting with customers, key stakeholders, and the team to obtain and document functional and non-functional needs
• Worked with cross-business and cross-functional stakeholders to shape and anchor the strategic priorities and work streams

• Understanding client requirements identify gaps and recommend optimal solutions related to collections-payments and Trade finance
• Embedding digital solutions into corporate business strategies to achieve competitive advantage and business growth
• Structuring trade finance and CMS solutions for corporate clients, leveraging technological platforms for enhanced customer experience and operational efficiency
• Lead Payments transformation related conversations with prospective clients and manage client relationships, showcasing the value proposition and benefits of digital payments solutions
• Worked in tandem with different hierarchies/verticals with clients for identifying business opportunities for increasing wallet share, offering new/customized products, and generating revenue

# LEADERSHIP BENCHMARKS

Recognized with X-Factor Award accolade two consecutive years (FY22-23) for spearheading new products for NTB Clients with structure deals (ICICI Bank).

• Drive acquisition of quality Mass Market and emerging affluent profile clients through online
• Ensuring effective coverage and engagement of the team with clients to retain and developing sustainable relationships while increasing wallet share to upgrade the client segments
• Accountable for achieving monthly & annual Acquisition, Liability Book and Fee Income targets for the vertical through Channel
• Monitor the call flow, call volumes and the quality of conversations for effective engagement
• To ensure effective and efficient on-boarding, client coverage and client economics of the team members
• Monitor and review business performance and apply intervention strategies to ensure achievement and sustenance of business growth
• Create and enforce plans that will help meet the needs of customers
• Awarded in Half yearly R&R on Trade income achievement in June 2020

• Taking ownership for entire sales lifecycle – from Leads to Closure
• Determine and execute appropriate sales strategies for the Bank in accordance with the Bank’s consolidated strategy and operational targets
• Determine critical success factors for new client acquisition, negotiate and close business to ensure that Branch Sales targets are achieved
• Meeting the branch sales targets in the defined market and business segments
• Develop and maintain a network in the community to enhance the visibility of the bank and to build a strong referral source for new potential business
• Ensure branch integrity: communication and compliance in all branch policies and procedures
• Provide consistent quality customer service to both internal and external customers that meets or exceeds established standards
• Performs other duties as assigned
• Participates in networking events and sales calling to pursue prospective business members

• To manage a business banking portfolio of SME Customers, Trade and Forex transactions for these customers and manage their day to day business account activities
• To identify and acquire new business banking customers by leveraging the relationship with the existing set of clients
• However, with an improved client servicing level, primarily responsible for maintaining client stickiness with the bank, growing the mapped book in terms of Trade revenue
• Adding new trade accounts with a clear focus on transaction banking products like Tfx, Buyers Credit, Bank Guarantees, etc
• Conducting a primary research in the form of an area mapping analysing the potential of an area from a revenue perspective
• Handling current book size of 7cr
• Highly responsible for growing the existing book value with accrual income to the bank by the end of every fiscal year by adding NTB customers and deepening relationship with the existing portfolio of clients
• Identifying Asset rich customer with Trade facility
• 3 days Management Development (IIM KOLKATA)
• Bancassurance Toppers Challenge 2013 – WINNER
• Bancassurance Toppers Challenge 2014 – WINNER
• Mission PSL Contest 2015 – WINNER

• New Acquisition of Corporate Salary Relationships, 5 NTB month on month with average 15 employees & Average Salary of INR 20,000
• Achieve the target with the help of 3 member team
• Cross Sell of Assets & Third Party Fee Products namely Insurance, Credit Cards
• Building and maintaining healthy business relations corporate clients, ensuring high customer satisfaction matrices by achieving delivery and service quality norms
• Working in coordination with clients and ensuring effective service deliverables
• Developing and managing effective relationships with key decision-makers in target organizations to meet business objectives
• Following-up with clients with activities like complaint resolution, query/ instruction pre-processing, suggest opportunities for improving work-flow

• Cross sell of entire range of investment products offered by HDFC Bank Karol Bagh Branch
• Responsible for primarily selling Equity based investment products
• Lead Generation for Trade & Current Accounts
• Cross selling of investments to walk-in customers of branch
• Responsible for achieving self target as well as branch target of investments
• Motivate and Drive the branch team aggressively for achieving branch targets
• Preparation of daily MIS, ie sales report, walk-in reports, LTS updation, etc
• Responsible for achieving targets as assigned by the organization on a monthly basis