Ritesh Kumar Tiwari
Branch Relationship Manager - Unity Bank
Navi Mumbai
Overview
6
6
years of professional experience
2
2
Language
4
4
Certificates
Work History
Branch Relationship Manager
Unity Small Finance Bank
Mumbai, Maharashtra
04.2025 - Current
- Increased branch sales performance through effective training and coaching of team members.
- Managed a diverse portfolio of high-net-worth clients, ensuring their unique financial needs were met.
- Conducted in-depth market research to identify trends and opportunities for business growth within the territory.
- Implemented efficient operational processes, improving overall branch productivity.
Relationship Manager - Aspire Banking
RBL Bank
06.2024 - 05.2025
- Handling Retail Liabilities (CASA, FD and Investment) and Retails Assets (Home Loan, LAP, Business Loan, and Education Loan)
- Completed assigned task of providing financial advice to customers in choosing Financial Product and Services
- Handling Escalations and providing resolutions and having zero complaint working with BM to Complete enhance due diligence for all the clients and site verification report
- Make the book grow with the ETB Clients along with the onboarding NTB Clients for Savings, FD, Investment
- Handling portfolio with zero escalation and making it a healthy portfolio and giving the best contactability report to the institution and clients
- Worked as a backup of SDM As an SDA Authorizer, doing Surprise Verification in the absence of BM
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
- Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Continuously updated personal knowledge of banking regulations and compliance requirements to minimize risk exposure for both clients and the organization.
- Coordinated efforts between various departments such as sales, credit assessment, operations teams for smooth delivery of services to clients.
- Strengthened client relationships through regular, personalized communication, ensuring high levels of client satisfaction and retention.
- Tailored financial solutions to client needs, ensuring alignment with their long-term goals and financial health.
- Implemented CRM best practices, improving data accuracy and usability for client management.
Assistant Manager - CASA
Equitas Small Finance Bank
11.2021 - 05.2024
- Generate new leads for acquisition and expand the banking relationship with the customer through referencing
- Cross sell of third party's product like (Life Insurance, General Insurance and updating all the lead in LMS
- Sourcing and handling HNI Clients and providing services with zero Escalations
- Calling all the customers who mapped in LMS for Deepening, FD, SIP and banking service-related requirements
Sales Executive - CD Loans & CASA
HDFC Bank Ltd
09.2019 - 08.2020
- Worked for HDFC Bank Ltd on HDB Payroll in Consumer Durable Finance Department (Premium Stores) and selling Credit Card and generating leads for SA and Insta Loan and Jumbo Loan
- Cross Selling of other products Health Insurance of (Bajaj, HDFC Ergo) also product of one assist (Phone Insurance)
Education
Bachelor of Commerce - undefined
Jhunjhunwala PG College
Faizabad, UPHigher Secondary School - undefined
MPLL Adarsh Inter College
Senior Secondary School - undefined
MPLL Adarsh Inter College
Skills
MSCIT
undefinedTimeline
Branch Relationship Manager
Unity Small Finance Bank
04.2025 - Current
Relationship Manager - Aspire Banking
RBL Bank
06.2024 - 05.2025
Assistant Manager - CASA
Equitas Small Finance Bank
11.2021 - 05.2024
Sales Executive - CD Loans & CASA
HDFC Bank Ltd
09.2019 - 08.2020
Bachelor of Commerce - undefined
Jhunjhunwala PG College
Higher Secondary School - undefined
MPLL Adarsh Inter College
Senior Secondary School - undefined
MPLL Adarsh Inter College
Certification
FEMA 1999, Foreign Exchange Management Act Certification passed out.
Accomplishments
- Made the book grow from 7 Cr to 12 Cr including Deposits, only in 4 Months.
- Escalations go down with zero numbers.
- Earn appraisal Certificate from one assist and HDFC Ergo.
- Top the Q4 Chart in insurance was No. 1 in Pan India also was in president circle.
- Qualified LEXA Club (Leaders of Extra Ordinary Achievers Club).
- Explaining the KRA's and Product Features to newly joining BDO in Equitas and resolving all the queries in forms and service requests.
Disclaimer
I hereby declare that the above-mentioned information is correct and best to my knowledge.
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