SANOOJ P

• Responsible for deposit mobilization through multiple channels.

Liability Team.

Branch and CFC Centers Assist to member

MRP (Member Referral Program)

• Lead and motivate the team to achieve monthly and annual deposit targets.
• Strategize and execute deposit growth plans through both direct sourcing and referral-based initiatives.
• Provide training to leaders and team members, ensuring skill development, and performance improvement.
• Launch and drive Membership Reference Programme (MRP) to generate consistent deposit growth.

• Heading 3 Retail Liabilities Channels in Kerala State.
• Acquisition Channel – FOS Channel
• NR RM Channel
• BC Channel
• Managed and motivated teams across multiple channels to drive business growth and achieve set targets.
• Collaborated with cross-functional teams to develop and implement marketing and promotional strategies.
• Ensured adherence to regulatory requirements and internal policies across all channels.
• Conducted regular performance reviews and provided actionable feedback to team members.
• Facilitated the integration of technology and digital solutions to improve customer experience and operational efficiency.

• Joined Catholic Syrian Bank (CSB Bank) as Area Sales Head – Liabilities. Promoted as cluster head in June 2020.
• Managed operations and administrative functions across 21 branches, ensuring seamless execution of banking services.
• Led a team of bank managers and support staff, fostering a culture of high performance and accountability.
• Developed and implemented strategic plans to drive branch performance and achieve business objectives.

• Developing and implementing strategies to meet branch targets and objectives.
• Monitoring and analyzing market trends and competitor activities to identify opportunities for growth.
• Managing the branch budget and expenses to optimize financial performance.
• Representing the branch in meetings, events, and community activities to promote brand awareness and reputation.
• Resolving customer complaints and inquiries promptly and effectively.
• Collaborating with other departments and stakeholders to achieve overall organizational goals.

• Joined ICICI as BC Manager for North Kerala – Aug 2007.
• 2008 June worked as Business Solution Manager - Current Account Bangalore (NR Road Branch, Avenue Road Branch and Langford Road Branch).
• 2009 May Worked as Sales Manager – NR Road Branch Bangalore.
• 2013 Transferred to Kozhikode as Current Account Sales Manager – Kozhikode Region.
• Managed and led the sales team to achieve regional sales targets for current accounts.
• Developed and implemented sales strategies to increase market penetration and customer acquisition.
• Conducted regular performance reviews and provided training to enhance team capabilities.
• Oversaw the sales team, driving performance to exceed sales goals.
• Designed and implemented business solutions to meet client requirements.
• Worked closely with sales teams to identify client needs and provide customized solutions.
• Prepared detailed proposals and presentations for potential clients.
• Developed and implemented strategies to enhance banking correspondent network efficiency.
• Addressed and resolved issues related to banking correspondent operations.

Managed and developed the liability sales portfolio for branches in Tirur and Kannur, driving significant growth in deposits and customer acquisition.

Oversaw and executed sales strategies, achieving and surpassing targets for liability products, such as savings accounts, fixed deposits, and recurring deposits.

Cultivated and maintained relationships with high-net-worth individuals (HNIs) and corporate clients, enhancing customer satisfaction and retention.

Monitored and reported on sales performance metrics, utilizing data-driven insights to refine strategies and improve outcomes.

Coordinated with the marketing team to design and implement promotional activities, increasing brand visibility and customer engagement.

• Cultivated and maintained relationships with clients to understand their financial needs.
• Conducted financial assessments, and provided personalized mortgage solutions to clients.
• Developed and implemented sales strategies to achieve targets and maximize revenue.
• Collaborated with the sales team to identify new business opportunities, and expand market reach.
• Prepared and presented reports on sales performance and market trends to management.
• Provided exceptional customer service and addressed client inquiries and concerns promptly.

• Conducted market research to identify new business opportunities and trends.
• Coordinated with cross-functional teams to streamline operations and improve efficiency.
• Prepared and delivered presentations to prospective clients, showcasing the company's products and services.
• Ensured compliance with company policies and procedures in all business operations.
• Mentored and trained new hires to enhance their sales and negotiation skills.