Puneet Malhotra

• Managing a portfolio of high-net-worth clients, maintaining strong relationships, and identifying opportunities for cross-selling and upselling banking products, such as savings accounts, credit cards, and personal loans.
• Achieving growth in the client portfolio by providing personalized financial advice and tailored banking solutions, resulting in increased customer loyalty and satisfaction.
• Assisting clients with their financial goals through careful assessment of their needs, and presenting relevant banking services.
• Proactively tracking customer complaints, resolving issues promptly, and ensuring customer retention.
• Conducting regular reviews with clients, helping them optimize their financial portfolios, and ensure satisfaction with services.
• Handling service requests related to overseas wire transfers, NR to resident conversion, home loans, personal loan maintenance requests, conversion of a minor to a major account, KYC updating, account opening, and demat operations.

• Managed a sizable client account portfolio, ensuring timely resolution of service requests within a fast-paced, high-volume environment.
• Conducted due diligence procedures, and escalated suspicious activities to minimize financial risk, and ensure compliance with AML regulations.
• Prepared and analyzed monthly management reports, identifying trends and providing insights related to suspense accounts and limit breaches.
• Investigated and resolved potential fraud cases, including instances of counterfeit and forgery, mitigating financial losses, and protecting the bank's reputation.
• Reconciled data between banking systems and financial records, ensuring accuracy in monthly MIS reports for data-driven decision-making.
• Reviewed audit deliverables and processes, consistently achieving a clean audit record, and demonstrating adherence to compliance and operational excellence standards.
• Processed insurance products in accordance with legal and regulatory requirements, effectively mitigating risks, and ensuring compliance.
• Executed domestic mutual fund transactions within designated timeframes to meet client needs, and contribute to business growth.
• Maintained meticulous customer profiles, including updated risk assessments, demographics, and asset details, ensuring data integrity and regulatory compliance.

• Efficiently executed daily teller operations, including cash handling, deposits, withdrawals, and account inquiries, while consistently delivering exceptional customer service.
• Proactively identified customer needs and cross-sold a diverse range of financial products, including savings and current accounts, Demat
  accounts, insurance policies, credit cards, and loan products, contributing to revenue growth and exceeding sales targets.
• Maintained meticulous and accurate records of all transactions within the bank's computerized system, ensuring compliance with regulatory guidelines.
• Successfully trained new team members on cash handling procedures, customer service protocols, and product knowledge, facilitating their
  professional development and seamless integration into the team.

Achievements:

• Achieved and exceeded client satisfaction and retention targets through proactive relationship management and a solutions-oriented approach
• Generated significant new business opportunities through effective sales strategies and the development of targeted marketing campaigns.
• Consistently exceeded revenue targets by successfully closing deals, and managing the sales cycle from lead generation to contract execution.

• Managed end-to-end relationships for a portfolio of 160 clients, cultivating strong relationships to drive client satisfaction, retention, and business growth.
• Developed and executed strategic sales and marketing campaigns tailored to client business objectives, generating new revenue opportunities.
• Conducted effective sales pitches, skillfully negotiated contracts, and ensured timely billing and payment collection, consistently exceeding revenue targets.
• Collaborated closely with clients to understand their business needs, providing consultative services to develop tailored marketing and advertising solutions that drove measurable results.
• Proactively monitored campaign performance, analyzing key performance indicators (KPIs), and providing regular reports to clients to demonstrate value and secure long-term partnerships.

Achievements:

• Achieved and exceeded client satisfaction and retention targets through proactive relationship management and a solutions-oriented approach.
• Awarded 'Up-Sell King' for achieving the highest monthly sales in Noida, demonstrating exceptional sales and client relationship management skills.
• Generated significant new business opportunities through effective sales strategies and the development of targeted marketing campaigns.
• Consistently exceeded revenue targets by successfully closing deals, and managing the sales cycle from lead generation to contract execution.