ROHIT BANERJEE

Managing branch operations, banking services and financial transactions as per below:

• Operational Management:

- Oversee daily branch operations, including cash management, clearing, transfers, and account servicing.

- Ensure seamless processing of retail banking transactions (deposits, withdrawals, DD/PO, NEFT/RTGS, FD/RD, etc.).

- Monitor branch liquidity, vault management, and reduce branch expenses.

- Supervise backend operations, document verification, and KYC compliance.

• Compliance & Risk Management:

- Ensure adherence to RBI guidelines, banking laws, AML policies, and internal audit requirements.

- Mitigate operational risks (fraud prevention, transaction errors, cybersecurity).

- Lead internal/external audit preparedness and resolve discrepancies.

- Implement anti-fraud measures and report suspicious activities.

- Reconcile GL accounts on daily basis.

• Customer Service Excellence:

- Resolve escalated customer complaints related to transactions, accounts, or service delays.

- Maintain high customer service standards and customer retention.

- Drive initiatives for digital banking adoption (Mobile/Internet Banking, UPI, etc.).

• Team Leadership and Training:

- Manage and mentor operations staffs (Tellers and Customer Relationship Officers).

- Conduct training on new banking products, processes, and regulatory updates.

- Monitor staff productivity and ensure adherence to SLAs.

• Business Growth Support:

- Collaborate with the Branch Head to achieve deposit, lending, and cross-selling targets.

- Ensure asset lead management and efficient loan processing with minimal turnaround time.

- Support customer onboarding for savings accounts, current accounts, and government schemes (e.g. PMJDY, etc).

Managing branch and trade operations, banking services and financial transactions as per below:

• Managing outward clearing and inward clearing activities.
• Managing cash, pay orders and demand drafts.
• Overseeing all types of transactions like transfers, RTGS, NEFTs, inward remittances and outward remittances.
• Handling trade transactions including import and export transactions.
• Managing Working Capital loan transactions and also External Commercial Borrowings (ECBs).
• Managing return deliverables.
• Handling death claim settlements.
• Creation, closures and renewal of fixed deposits.
• Managing of standing instructions, stop payment of cheques, freezing and freeze lifting of accounts and other operational activities.
• Overseeing all types of account modifications, signatory addition/ deletion requests from accounts and account closures.
• Handling all kinds of reconciliation activities and monitoring of all suspense and Nostro Accounts.
• Preparation of various periodic and statutory reports as well as bank certificates.

Managing the operations, banking services and financial transactions as per below:

• Managing transfer cheques, RTGS and NEFT, issuance of cheque books, stop payments, standing instructions, account modifications, etc.
• Handling demand drafts/pay orders and fixed deposits.
• Handling reconciliation activities.
• Managing cash in teller counters.
• Issuance, encashment and entries of Travel Currency Debit Cards.
• Handling account closures.
• Managing return deliverables.
• Generating Statements of Accounts, Investment Portfolio Reports, TDS certificates, Interest certificates, Balance confirmation letters, etc.
• Also engaged in cross selling of mutual funds, bonds, life insurance products, gold coins, etc. to the customers.
• Worked in Priority Banking Group and Wealth Management of the bank engaging in operations as mentioned above.

Organization : Indusind Bank, Kolkata.

Department : Business Banking Group.

Designation : Management Trainee.

Responsibilities : To assess the credit worthiness of the customers of Indusind Bank by preparing their credit proposals with the help of available client specific data and other relevant information.