S Krishna Dass
Branch Head
Chennai
Summary
Experienced MBA professional with a strong background in retail branch banking operations and sales functions, including asset and liability management. Skilled in SME and trade operations, with expertise in pre and post document analysis and portfolio management. Proficient in depository services of demat activities. Additionally, possess 2 years of experience in internal audit assignments and reviewing of accounts, along with the preparation of financial statements. Dedication lies in increasing efficiency, streamlining procedures, and improving employee morale with a hands-on leadership style. Over 18 years of progressive experience, committed to driving success and achieving organizational goals.
Overview
23
23
years of professional experience
3
3
Languages
Work History
Branch Operations Head
Axis Bank
06.2024 - Current
Branch Head
Axis Bank
05.2023 - 05.2024
Branch Operations Head
Axis Bank
09.2018 - 04.2023
- Sourcing and Monitoring of New CASA Accounts and Term Deposit acquisition.
- Ensure an Incremental of Existing CASA Book and Term Deposit Book Growth from Existing Customers and Doubling of Mapped Portfolios of FDO's and RM.
- Sourcing and login of Retail Asset Products – CBG, SME, Home Loan & HLBT, LAP, Auto Loan and Personal Loan from Existing Customers and New Customers.
- Sourcing and login of TPP Products – Mutual Funds, Life Insurance and General Insurance and Demat & Trading Accounts.
- Handling the Branch Banking Operations and ensure error free transactions.
- Maintenance of Registers, Reports and its review in daily basis.
- Managing the customer Queries and their complaints through Query Resolution Software within TAT and co-ordinate with sales specialists in other departments of bank to provide right product mix to fulfill customer needs.
- Relationship management with High Net worth Individuals, NRI's and Business Banking Clients for business expansion and also providing financial solutions through Banking Third Party Products.
- Ensure audit compliance in every financial and non–financial transaction, reply to statutory authorities and follow the process and procedures as stipulated by bank.
- Implementation of Business Continuance Plan that there is no hindrance in the business activity and operations.
Deputy Branch Manager
Indusind Bank Ltd
09.2014 - 08.2018
- Ensure compliance on CASA Acquisitions, periodical updation of KYC Docs in existing relationships and Monitoring of Account Transactions in AML Purview.
- Reporting to management regarding Suspicious Transactions and High Value Cash Transactions and periodical reporting of Fortnightly and Monthly Reporting on Statutory Requirements.
- Maintenance of Registers, Reports and its review in daily basis.
- Relationship maintenance on CASA A/C for Deepening of accounts, Bundling of products & services and Cross Selling of Third Party Products.
- Ensuring Branch Operation Manager Checklist, Periodical Reporting, Meticulous and Consistent Report, Bookings of Fixed Deposit, Loan against Deposits, Maintenance of Locker, Monthly Reports, Voucher Maintenance, Implementing Cost Saving Initiatives, Increase process efficiency and ensure zero error in operations.
- Rendering Customer Services and maintaining Internal & External Customer SLA, TAT, Complaints Management and attending Escalated Customer Complaints & Queries, Customer Relationship Management.
- Audit & Compliance – Ensure control on every financial and non-financial transactions, Fortnightly Reconciliation and Reporting of Security Stationeries', Suspense Accounts Monitoring, ATM Surprise Verification and periodical updation of Mandatory Notices, Displays and Posters in Place.
Common Authorizer
HDFC Bank Ltd
10.2011 - 04.2014
- Sales & Team Management: Morning Hurdles with Team Members, Mentoring officers for Selling and Generating leads for Banking Products, Third Party Products and Asset Products.
- Planning and Implementing sales activities, telecalling activities, inducting training and analyzing each officers data.
- Accompanying with staff on joint calls, CASA ERV – suggest the officers with Deepening for customer with good balances & Win-back for customers with negative or low balances, Sales target orientation, review and achieving Branch Targets.
- Supervision and control on Branch Operations, Authorization of Cash & Non-Cash Transactions, RTGS, NEFT, Preparation of MIS, BOD & EOD Process, Cash and CRL Management.
- Ensuring Branch Operation Manager Checklist, Periodical Reporting, Meticulous and Consistent Report, Bookings of Fixed Deposit, Loan against Deposits, Maintenance of Locker, Monthly Reports, Voucher Maintenance, Implementing Cost Saving Initiatives, Increase process efficiency and ensure zero error in operations.
- Rendering Customer Services and maintaining Internal & External Customer SLA, TAT, Complaints Management and attending Escalated Customer Complaints & Queries, Customer Relationship Management.
Branch Operations Manager
ICICI Bank Ltd
11.2007 - 10.2011
- Ensure all Day-to-Day activities in Branch Operations.
- Increasing an Existing Customer Relationship Value (ERV) and acquiring of new relationships to improve our business.
- Monitoring the customers' transaction in the purview of AML Activities.
- To increase the Revenue of our concern, Cross Selling our Investment and Service products of Life Insurance, General Insurance, Mutual Funds, Gold Coins and Fixed Deposit Products.
- Maintain and Increase the float balances of Current Account and increase our GL Figures.
- Highly concentrating in customer service and redressing their complaints within TAT for quality service.
- Conducting periodical customer service meeting to satisfy their needs and wants.
Officer in SME operations
Standard Chartered Finance Ltd
11.2004 - 10.2007
- Ensure all Pre and post Information's for limit application, Credit Approvals and Documentations for effective Disbursal of SME products, Mortgage and Trade Products.
- Preparing Offer Letter to Customers with the required documents and information's for availing Facility.
- Monitor the availed Facilities and its Portfolio, Transaction Trends to raise early alerts as per company's policy.
- Ensure Facility Renewals, Reviews, Enhancements and Over limit Regularization if any on timely basis.
- Handling of Trade Facilities like Bank Guarantee, Letter of Credit and other Export Import Transactions.
- Preparing and Providing all Business MIS and Reports of Credit Approvals, Excesses, Extensions and Enhancements to Customers based on constantly monitoring in order to minimize the losses.
Junior Officer in Demat Division
Integrated Enterprises (India) Limited
04.2004 - 10.2004
- Dematerialization of Physical Shares into Electronic Shares.
- Weekly, Fortnightly and Monthly Status of Demat Shares to the clients.
- Periodical Reports to SEBI and Its Grievance Redressal Cell.
- Resolving costumers Queries regarding demat shares and share transfers.
- Monthly and periodical reports to the superiors and clients.
Audit Associate
Radha Ganesh & Co
05.2002 - 02.2004
- Conducting Internal Audits to the client companies.
- Preparing Financial Statements and Annual Returns.
- ROC Filings and its compliance, Tax Audits and it's Declarations.
- Periodical Reports to the clients regarding its financial position and Financial Analysis Reports.
Education
BBA -
Madurai Kamarajar University
01-1999
Professional MBA -
Manonmaniam Sundaranar University
JAIIB -
Indian Institute of Banking And Finance
07-2008
Skills
Sales strategy development
Personal Information
- Date of Birth: 05/03/79
- Gender: Male
- Marital Status: Married
Timeline
Branch Operations Head
Axis Bank
06.2024 - Current
Branch Head
Axis Bank
05.2023 - 05.2024
Branch Operations Head
Axis Bank
09.2018 - 04.2023
Deputy Branch Manager
Indusind Bank Ltd
09.2014 - 08.2018
Common Authorizer
HDFC Bank Ltd
10.2011 - 04.2014
Branch Operations Manager
ICICI Bank Ltd
11.2007 - 10.2011
Officer in SME operations
Standard Chartered Finance Ltd
11.2004 - 10.2007
Junior Officer in Demat Division
Integrated Enterprises (India) Limited
04.2004 - 10.2004
Audit Associate
Radha Ganesh & Co
05.2002 - 02.2004
BBA -
Madurai Kamarajar University
Professional MBA -
Manonmaniam Sundaranar University
JAIIB -
Indian Institute of Banking And Finance
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