Finacle 7, Finacle 10, Flexcube
Sandeep Kumar
Branch Head
Dindori
Summary
Finance and Customer Relationship professional with overall 15+ years of experience in Banking and Associated Customer facing Service Sectors - looking to add value to my expertise in an operational and strategic leadership role to drive, develop & achieve excellence for the sustainable growth of myself and my organization.
Overview
11
11
years of professional experience
3
3
Certifications
2
2
Languages
Work History
Branch Head
AXIS BANK Ltd
Dindori
02.2024 - Current
- Assessed employee performance and developed improvement plans.
- Engaged employees in business processes with positive motivational techniques.
- Maintained friendly and professional customer interactions.
- Created strategies to develop and expand existing customer sales, increasing annual sales.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments.
- Consulted with customers to boost product sales and services.
- Reviewed the sourced loan applications to enhance clarity and monitor compliance with requirements.
- Generated financial and operational reports to assist management with business strategy.
- Examined customer loan applications for loan approvals and denials.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
- Implemented service improvements to enhance the sales cycle.
- Complied with regulatory guidelines and requirements.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Ensured compliance in day-to-day work and achieved an 'A' rating in the audit.
- Added valuable customers to our network & sourced further business from them by delivering best services & products to them.
- Ensured complete awareness of the bank products among all branch staffs.
- Just to highlight I have taken the Branch Head role post after 3 months of inauguration and till date Branch has achieved total liability of Rs 6 CR and asset disbursement including business asset of Rs 10 CR. (Branch is located in semi urban category and it’s a small tribal area.)
- Implemented innovative marketing campaigns to expand the branch''s market presence and attract new clients.
Personal Banker Authorizer / BOM / Back Up Branch Manager
HDFC Bank Limited
Jabalpur
11.2018 - 01.2024
- Complete Operational Knowledge of Retail Branch Banking Processes.
- Understanding of KYC and account opening processes.
- Knowledge of Cash deposit and withdrawal processes.
- Understanding of various fund transfer transactions like RTGS, NEFT, IMPS, UPI, Fund Transfer within the bank, DD/PO issuance, payment or cancellation.
- Understanding of Third-party FD, LC/BG Issuance, trade transactions, outward remittance, inward remittance, forex card loading & refund and other forex-related transactions.
- Effective Management of entire branch operations and sales as a Backup Branch Manager/BOM.
- Responsible for the achievement of branch hygiene parameters on both MTD and YTD basis.
- TAT monitoring for account activation, dummy clearance and important bank processes.
- Product Knowledge of All Liability Products, Asset Products and Third-party Products.
- Understanding of Operational Aspects like CASA, TAT, FTNR, Activation & Depletion of newly sourced accounts, Customer Service, Technical advice and Resolution to Customer Query and Financial Aspects.
- Understanding of reconciliation of security items and checking of same within the bank stipulated frequency.
- Understood customer's financial needs and offered the best asset management advice.
- Gave appropriate advice to clients for short-term and long-term financial goals based on their capacity to invest.
- Achieved customer retention goals by providing effective services and high profits.
- Increased bank's profitability by cultivating new business relationships and providing high standard service.
- Improved cross selling products.
- Addressing and resolving customer’s complaints and escalations.
- Process and product awareness to team members & reportees.
- Team development and review on operational and sales parameters periodically.
- Audit and Statutory compliance with Banking norms.
- Branch audit and compliance.
- Stationary Management.
Customer Service Manager / Trade Desk Manager
ICICI BANK LIMITED
Patna
08.2016 - 11.2018
- Complete Operational Knowledge of Retail Branch Banking.
- Product Knowledge of All Liability Products, Asset Products and Third-party Products.
- Understand operational Aspect, TAT, Customer Service, Technical advice and Resolution to Customer Query and Financial Aspects.
- Understood customer's financial needs and offered the best asset management advice.
- Gave appropriate advice to clients for short-term and long-term financial goals based on their capacity to invest.
- Achieved customer retention goals by providing effective services and high profits.
- Increased bank's profitability by cultivating new business relationships and providing high-standard service.
- Improved cross-selling products.
- Developed and executed effective business development plans with the help of colleagues, intermediaries and existing client base.
Privilege Banker
ICICI BANK LIMITED
Mumbai
08.2014 - 07.2016
- Complete Operational Knowledge of Retail Branch Banking.
- Product Knowledge of All Liability Products, Asset Products and Third-party Products.
- Understand operational Aspect, TAT, Customer Service, Technical advice and Resolution to Customer Query and Financial Aspects.
- Understood customer's financial needs and offered the best asset management advice.
- Gave appropriate advice to clients for short-term and long-term financial goals based on their capacity to invest.
- Achieved customer retention goals by providing effective services and high profits.
- Increased bank's profitability by cultivating new business relationships and providing high-standard service.
- Developed and executed effective business development plans with the help of colleagues, intermediaries and existing client base.
Education
Post Graduate Diploma - Banking And Finance
ICICI Manipal Academy, Manipal University
Bangalore 04.2001 -
Bachelor of Science - Hotel Management
IHM Mumbai, IGNOU
Mumbai 04.2001 -
12th - PCMB
Holy Mission Senior Secondary School
Samastipur, India 04.2001 -
10th -
St.Karen's High School
Patna, India 04.2001 -
Skills
- Retail Banking Operations
- Retail Demat Operations
- Retail Trade and Forex
- Training and People Development Initiatives
- Finance Management
- Banking Software – FINACLE 10 and FLEXCUBE
- MS Office Suite
Certifications And Achievements
- NISM VA- Mutual Fund Distributorship
- IRDA-SP Certification
- Certified in Advanced Wealth Management from IIBF.
Personal Information
- Father's Name: Mr. S.K Triyar
- Date of Birth: 12/01/88
Disclaimer
I declare that the information furnished above is true to the best of my knowledge., 07/01/25
Software
Certification
NISM VA- Mutual Fund Distributorship
Timeline
Branch Head
AXIS BANK Ltd
02.2024 - Current
Personal Banker Authorizer / BOM / Back Up Branch Manager
HDFC Bank Limited
11.2018 - 01.2024
Customer Service Manager / Trade Desk Manager
ICICI BANK LIMITED
08.2016 - 11.2018
Privilege Banker
ICICI BANK LIMITED
08.2014 - 07.2016
Post Graduate Diploma - Banking And Finance
ICICI Manipal Academy, Manipal University
04.2001 -
Bachelor of Science - Hotel Management
IHM Mumbai, IGNOU
04.2001 -
12th - PCMB
Holy Mission Senior Secondary School
04.2001 -
10th -
St.Karen's High School
04.2001 -
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