Renjith R

Managed a team of 11 staff members and oversaw daily operations of the branch resulting in 25% increase in new customer acquisition and 20% growth in revenue in the last Financial Year.

• Brainstormed and developed sales strategies that resulted in the achievement of sales revenue objectives.
• Customer relationship management .
• Oversaw Loan and Credit management.
• Analyzed financial reports,identified and implemented cost improvement changes resulting in 15% reduction in expenses.
• Followed through on risk and compliance processes to safeguard the customer's as well as bank's assets.
• Identified and reported suspicious patterns of activity to reduce money laundering.
• Provided strong leadership to enhance team productivity and morale.
• Conducted performance evaluations, monthly meetings and employee training programs resulting in improved staff performance.

Headed the Credit and Administration portfolio,diligently exercised credit appraisal,credit & financial analysis with strong focus on credit and operational risk.

• Carried out credit analysis,interpreted key financials of clients.
• Recommended loan approvals or denials and eligibility.
• Daily monitoring of credit portfolio,identifying and reporting delinquent loans.
• Post disbursement follow up of loans
• Mentoring of junior staffs

Vast experience in Branch banking operations and management.Supervised daily cash management,objection handling of clients,regulatory reporting,job rotations of staffs and assisted in credit documentation and credit disbursement.

• Oversaw branch operations and workflow for consistency.
• Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
• Developed strategic plans for day-to-day financial operations.
• Assisted clients with issues or requests and mentored employees on customer service techniques.
• Assisted with daily cash and ATM balancing.
• Recommended new procedures to boost consistency and customer experiences.

Highly successful in boosting the cross sales of the branch by 30% within a year,oversaw and improved the HNI business of the branch by 20% within a years,represented the bank in Million Dollar Round Table Conference (MDRT),Hong Kong in 2015.

• Maintained and built strong customer relationships through quality,personalized interaction,provided financial solutions and value added services to the clients.
• Instrumental in the quantum growth of liability business and enhanced the customer profitability by capturing larger share of wallet.
• Provided advisory services to the clients for Mutual Fund,Insurance and Stock Market investments.
• Maintained customer records and updated account information.
• Monitored accuracy of customer information in system.
• Responded to customer inquiries regarding new accounts and account services.

Assisted in managing the daily operations of the branch resulting in 20% growth in new customer accounts.

• Collaborated with bank manager and teller supervisor on scheduling, hiring decisions and monthly audits.
• Assisted with complex transactions using overrides and functions requiring additional authorization levels.
• Assisted customers with banking transactions, identified and serviced customer needs and resolved issues.
• Represented bank to community through good customer relations.
• Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
• Utilized financial software to prepare consolidated financial statements.