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
Maharashtra State Certificate in Information Technology
Advance office automation
Excel
PowerPoint
Concept of Computer Course
Portfolio management
Operational efficiency
Budget planning
Client onboarding
Issue resolution
Customer service
Team leadership
Banking
Product knowledge
Public speaking
Risk management
Analytical problem solving
Investment and wealth planning
CRM proficiency
Timeline
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.