RITESH TIWARI

• Championed process improvement initiatives that resulted in increased efficiency, improved service quality, or cost savings for the organization as a whole.
• Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
• Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
• Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
• Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
• Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
• Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
• Developed a high-performing team through targeted recruitment, training, and performance management initiatives.

• Reduced staff turnover with effective training programs and employee support initiatives.
• Monitored financial transactions to detect any suspicious activity or potential fraud.
• Contributed to ongoing process improvements that led to increased efficiency across various aspects of branch operations.
• Managed daily branch operations for optimal productivity and customer satisfaction.
• Increased overall sales, implementing targeted marketing strategies and promotional campaigns.
• Conducted regular performance evaluations for staff members, identifying areas for improvement and opportunities for advancement.
• Developed strong relationships with clients, resulting in increased loyalty and repeat business.
• Enhanced customer experience by providing exceptional service and addressing concerns promptly.
• Organized staff schedules to ensure adequate coverage during peak business hours while maintaining employee satisfaction.
• Established best practices for resolving client issues quickly while maintaining high standards of professionalism.
• Supervised a team of employees, fostering a positive work environment and emphasizing professional growth.
• Maintained compliance with industry regulations, minimizing risk exposure for the company through diligent oversight of operations.
• Developed strategic plans for day-to-day financial operations.

• Managed multiple priorities effectively while maintaining attention to detail under tight deadlines, contributing to overall team success rates'' increase in delivered projects.
• Increased overall project success rate by consistently meeting deadlines and maintaining high-quality work standards.
• Mentored junior team members, providing guidance on best practices and technical expertise to support their professional growth.
• Responsible for Classic portfolio management by acquisition of Classic customers and enhancement of relationship by cross-selling products and services as per the profile & need of the customers.
• Personal Banker's (Sales) main duty is to generate revenue for bank from given customer base

• Promoted store promotions and incentive programs to increase overall sales revenue.
• Adapted quickly to new technologies implemented at POS systems, ensuring seamless transition periods for both staff and customers.
• Enhanced customer satisfaction by providing efficient and accurate cash transactions.
• Provided backup support for other departments when needed, showcasing versatility within the retail environment.
• Handled multiple payment methods securely, minimizing discrepancies and potential losses.
• Assisted customers with inquiries and provided exceptional service, resulting in positive feedback from shoppers.
• Developed rapport with regular customers, offering personalized service that fostered brand loyalty.
• Exceeded productivity goals through consistent attention to detail and organization during busy shifts.
• Resolved customer complaints professionally, leading to improved customer relations and loyalty.
• Improved transaction speed without sacrificing accuracy by staying up-to-date on product pricing changes.
• Mentored new employees on cashier duties and best practices, improving overall staff performance.
• Maintained a balanced cash drawer, ensuring accurate accounting at the end of each shift.
• Ensured compliance with company policies and procedures while processing transactions efficiently.
• Welcomed customers and helped determine their needs.
• Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
• Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
• Built relationships with customers to encourage repeat business.

Key Accountability:

• Hands on experience in Branch Banking, Clearing, CMS & Depository Operations
• Deft in monitoring various banking operations and maintaining long-term customer relationships through the provision of high-quality service.
• Experience in managing general banking functions like clearing of Cheques, cash handling, transfer operations and other banking operations.
• Adept in managing & leading teams for running successful process operations & experience of developing procedures, service standards for business excellence
• Operations Management
• Handling a wide gamut of general banking functions for Savings/ Current Accounts, Fixed Deposits and Recurring Deposits.
• Clearing of cheques (I/W & O/W)
• Cash handling & management
• Issuing BC/DD
• Intra bank fund transfers
• Ensuring conformance to guidelines prescribed by RBI and other regulatory authorities; adhering to the systems & procedures laid down by the bank –Audit compliance.
• Managing the overall functioning of processes, identifying improvement areas and implementing adequate measures to maximize customer satisfaction level.
• Implementing competent strategies with a view to penetrate new accounts and expand existing ones for a wide range of banking products / services.
• Product Knowledge:-
• Handling and promoting all the Assets & Liability products at the bank like CASA, Home Loans, Auto Loan,LAP,Gold Loan, Credit Cards,RD/FD,Business Loans and also the third party products like Fixed deposit, Mutual fund, Life Insurance, General Insurance and Gold. Posses a good knowledge in all the products also acquire knowledge through training materials if a new product is introduced or any updating is done.
• Audit & Compliance:-
• Managing all aspect of banking operations and working within the Statutory and Regulatory guidelines. Primarily responsible for Audit score of the branch. Daily monitoring of under noted areas :-
• Suspense Accounts Reconciliation.
• ATM Management & Reconciliation.
• KYC of CASA.
• Term Deposits, Pay Order / Demand Draft.
• Cash Remittances AML.
• Bills Department.
• Inward & Outward Clearing.
• Internal / External Audits.

Key Accountability:

• Hands on experience in Branch Banking, Clearing, CMS & Depository Operations
• Operations Management
• Handling a wide gamut of general banking functions for Savings/ Current Accounts, Fixed Deposits and Recurring Deposits.
• Clearing of cheques (I/W & O/W)
• Cash handling & management
• Issuing BC/DD
• Intra bank fund transfers
• Suspense Accounts Reconciliation.
• ATM Management & Reconciliation.
• KYC of CASA.
• Term Deposits, Pay Order / Demand Draft.
• Cash Remittances AML.
• Bills Department.
• Inward & Outward Clearing.
• Internal / External Audits.

• Handling Non-Cash transactions like DD/MC/, NEFT/RTGS Fund transfer etc.
• Register updating on end of day cash position, instruments issued etc.
• Customer service to ensure walk in customers issues.
• Responsible for high quality service, customer relationship management.
• Suspense Accounts Reconciliation.
• ATM Management & Reconciliation.
• Looking after clearing out ward, inward, outstation Cheque collection.
• Filing of End of day (EOD) Reports.
• Retail liabilities and retail Assets login disbursement.
• Software knowledge-LOS, UBS ,FINACLE ,ORACLE FLEXCUBE, FINONE, ECCS TOS ,CASH IN,CRM, etc.