Rafi Uddin Ahmed
Mumbai
Summary
Versatile branch manager offers financial consulting, cash handling, and employee coaching and training expertise, coupled with outstanding time management and conflict resolution skills. Committed to finding creative ways to motivate employees to exceed customer service and sales goals. Polished in managing branch, promoting, and marketing branch products and allocating funds. Deeply familiar with banking rules and regulations. Friendly professional dedicated to promoting and maximizing sales opportunities. Persuasive communicator with proactive approach to resolving account and customer service issues. Seasoned Branch Manager with background in steering operations and driving growth. Leveraged leadership skills to enhance team performance, customer satisfaction, and bottom-line results in previous roles. Possess strong strategic planning and problem-solving abilities, coupled with proficiency in customer relationship management, sales strategy implementation, and staff development. Successfully boosted branch productivity by optimizing processes and cultivating high-performing teams.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Branch Manager
CSB bank ltd
Mumbai, Maharashtra
10.2024 - Current
- Managed daily branch operations and ensured compliance with banking regulations.
- Supervised team members and provided training on customer service best practices.
- Developed strong customer relationships through effective communication and support.
- Analyzed branch performance metrics to identify areas for improvement.
- Coordinated staff schedules to optimize branch coverage and efficiency.
- Resolved customer inquiries and complaints in a timely manner.
- Collaborated with regional management to align branch goals with company objectives.
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Planned work schedules to maintain adequate staffing levels.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Resolved escalated customer complaints in a timely manner.
- Assigned duties to employees and examined work for accuracy, neatness and timeliness.
- Disciplined employees to encourage compliance with company policies and procedures.
- Verified cash by balancing cash drawers and maintaining cash count records.
- Facilitated weekly meetings with staff members to discuss progress on current initiatives.
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
- Created reports summarizing operational performance metrics for senior management review.
- Designed sales and service strategies to improve revenue and retention.
- Performed regular audits of financial records in order to ensure accuracy.
- Assisted other branches when needed during peak periods or special projects.
- Maintained up-to-date knowledge of industry trends, competitive landscape and regulatory environment.
- Participated in community events to promote brand awareness.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
- Reviewed loan applications to ensure accuracy and compliance with regulations.
- Coordinated promotional campaigns for new products or services in order to boost sales revenue.
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Analyzed competitors and market trends to facilitate business growth.
Infiniti Relationship Manager
HDFC BANK LTD
Mumbai, Maharashtra
03.2024 - 08.2024
- Managed client relationships by addressing inquiries and providing tailored solutions.
- Conducted regular follow-ups to ensure client satisfaction and service quality.
- Collaborated with cross-functional teams to streamline banking processes for clients.
- Assisted clients in navigating digital banking platforms for seamless transactions.
- Organized and led client meetings to discuss account updates and services offered.
- Facilitated training sessions on new products for clients, enhancing their banking experience.
- Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
- Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.
- Conducted regular client meetings to assess progress, discuss opportunities for growth, and address any concerns.
- Resolved escalated customer issues efficiently and effectively within established timelines.
- Evaluated customer feedback to identify areas of improvement in products or services offered.
- Provided ongoing support throughout the sales cycle by responding promptly to inquiries, resolving issues, and following up on requests in a timely manner.
- Analyzed market trends and identified potential new customers through research activities.
- Coordinated with product development teams to design services that meet client needs.
- Implemented CRM systems for tracking client interactions and improving service delivery.
- Collaborated with internal teams to create customized financial solutions for clients.
- Identified opportunities for cross-selling and upselling financial products to meet clients' objectives.
- Resolved client issues and complaints promptly, maintaining trust and loyalty.
- Participated in networking events and industry conferences to attract new clients.
- Coordinated preparation of external audit materials and external financial reporting.
Burgundy Relationship Manager
Axis Bank Ltd
Mumbai, Maharashtra
09.2015 - 02.2024
- Cultivated client relationships through regular communication and personalized financial strategies.
- Analyzed client portfolios to identify investment opportunities and risk management solutions.
- Collaborated with financial advisors to develop comprehensive wealth management plans.
- Educated clients on market trends and investment products for informed decision-making.
- Conducted in-depth financial needs assessments to tailor services to client goals.
- Monitored regulatory changes to ensure compliance in all client transactions and advice.
- Facilitated client meetings to review account performance and adjust strategies as needed.
- Led team initiatives to enhance client service processes and improve overall satisfaction.
- Provided timely responses to customer queries regarding their financial matters via email or phone calls.
- Analyzed current market trends and suggested potential investments accordingly.
- Monitored client portfolios regularly to identify any discrepancies or irregularities in transactions.
- Managed client accounts by monitoring performance of investments and recommending adjustments as needed.
- Compiled weekly, monthly, quarterly reports summarizing the performance of client assets under management.
- Reviewed existing customer portfolios and recommended suitable modifications for enhanced returns.
- Maintained records of customer interactions using a customer relationship management system.
- Collaborated with other team members to develop customized solutions for clients' wealth management needs.
- Organized seminars and workshops to educate clients on topics such as retirement planning, tax laws.
- Ensured compliance with all applicable industry regulations and internal procedures.
- Researched new products and services available in the marketplace to provide better options to customers.
- Recommended strategies to clients to help achieve financial goals.
- Strengthened client relationships by conducting routine portfolio reviews to measure plan success.
- Profiled and analyzed investment products to devise financial strategies, meeting client financial needs and forecasting opportunities with highest return on investments.
- Followed-up with clients regularly and implemented consultative techniques to stay on top of financial means and objectives.
- Exuded professional expertise and resourcefulness to gain trust and confidence of clients, vendors and other professionals.
- Interviewed clients to assess income, expenses, insurance coverage, tax status, financial and investment goals and risk tolerance.
- Recruited and hired high-producing managers, resulting in substantially increased revenue.
- Expertly managed client portfolios to maximize returns and maintain risk tolerances.
Preferred Relationship Manager
HDFC Bank ltd
Mumbai, Maharashtra
01.2012 - 09.2015
- Managed client relationships to ensure satisfaction and retention.
- Advised clients on banking products and services suitable for their needs.
- Conducted regular reviews of client portfolios to identify growth opportunities.
- Facilitated onboarding processes for new clients to enhance user experience.
- Educated clients on digital banking tools for improved service access.
- Maintained accurate records of client interactions and account details securely.
- Managed the budget for marketing campaigns related to preferred relationship banking services.
- Built relationships with clients by providing them with personalized advice and support.
- Collaborated with internal teams to ensure all customer needs are met in a timely manner.
- Assisted customers in setting up online banking accounts and troubleshooting technical issues.
- Provided assistance during times of distress by offering sound advice based on individual circumstances.
- Actively sought out new leads through cold-calling techniques or referrals from existing customers.
- Gathered data from various sources to assess current customer preferences and develop targeted marketing plans accordingly.
- Conducted regular meetings with clients to review their financial portfolios and discuss any changes or updates.
- Organized promotional events that showcased the bank's preferred relationship offerings.
- Researched industry trends and opportunities for new business development initiatives.
- Participated in training sessions designed to enhance knowledge of financial markets and products.
Junior Officer
ICICI BANK LTD
Mumbai, Maharashtra
02.2011 - 01.2012
- Completed day-to-day duties accurately and efficiently.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Identified needs of customers promptly and efficiently.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Worked with cross-functional teams to achieve goals.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
- Exceeded customer satisfaction by finding creative solutions to problems.
- Conducted comprehensive research and data analysis to support strategic planning and informed decision-making.
Contract Sales executive
HDFC BANK ltd
Mumbai, Maharashtra
11.2008 - 06.2010
- Assisted clients with policy inquiries and coverage explanations.
- Processed claims efficiently while maintaining compliance with company guidelines.
- Educated customers on insurance products and services available.
- Resolved customer complaints through effective communication and problem-solving skills.
- Conducted follow-up calls to ensure customer satisfaction with services provided.
- Collaborated with underwriting teams to facilitate smooth policy issuance processes.
- Maintained detailed records of customer interactions in the database system.
- Provided training and support to new team members on company procedures.
- Advised customers on available coverage options that best fit their individual needs.
- Provided quotes on various types of insurance policies.
- Navigated computer system to look up customer information and update policies.
- Conducted follow-up calls to ensure satisfactory resolution of customer issues.
- Responded to queries, solved, or referred problems and followed up with clients to increase satisfaction.
Education
Bechelor Of Commerce
Darrang College
Tezpur Assam03-2008
High School Diploma -
Tezpur Govt Boys HS School
Tezpur Assam02-2005
High School Diploma -
Rangagora HS School
Dhekiajuli Assam03-2003
Skills
- Compliance management
- Financial analysis
- Customer relationship management
- Performance reporting
- Team leadership
- Sales strategies
- Business development
- Relationship building
- Financial administration
- Resourceful nature
- Financial oversight
- Coaching and mentoring
- Customer and vendor relations
- Verbal/written communication
- Strong interpersonal skills
- Market research
- Cash handling expertise
- Branch operations management
- Customer service
- Loan documentation
- Operational reports
- Key performance indicators
- Risk mitigation
- Staff supervision
Accomplishments
- Qualified 2 times MDRT programs (Boston and Nashville, USA), qualified many national and international contests
- Many National and International Contests…
Languages
English
First Language
Certification
- IRDA certified
- NISM CERTIFIED
Timeline
Branch Manager
CSB bank ltd
10.2024 - Current
Infiniti Relationship Manager
HDFC BANK LTD
03.2024 - 08.2024
Burgundy Relationship Manager
Axis Bank Ltd
09.2015 - 02.2024
Preferred Relationship Manager
HDFC Bank ltd
01.2012 - 09.2015
Junior Officer
ICICI BANK LTD
02.2011 - 01.2012
Contract Sales executive
HDFC BANK ltd
11.2008 - 06.2010
Bechelor Of Commerce
Darrang College
High School Diploma -
Tezpur Govt Boys HS School
High School Diploma -
Rangagora HS School