Summary
Overview
Work History
Education
Skills
Certifications And Achievements
Personal Information
Disclaimer
Software
Certification
Timeline
Generic
Sandeep Kumar

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

Finacle 7, Finacle 10, Flexcube

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 -
Sandeep KumarBranch Head