Satish S

Team Training & Development:

Train and mentor, the branch operations team on everyday maintenance operations across assigned branches. Recommend improvements to

enhance efficiency and meet financial objectives.

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Teller Transactions Management:

Oversee basic teller transactions, including cash handling, vault operations and non-cash transactions such as fund transfers, NEFT, RTGS, salary

processing, stop payments, account closures.

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Cash Recycling Management:

Handle cash loading and evacuations for Cash Recycling Machines (CRM), perform daily cash reconciliation, resolve ATM transaction disputes in

real-time, and conduct surprise audits of agency ATMs on a fortnightly basis.

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• Lobby Management:

Manage the branch lobby to enhance customer experience, ensuring prompt service and addressing customer inquiries effectively.

Reconciliation of Deliverables:

Maintain periodic reconciliation of deliverables such as debit cards, cheque books, welcome kits, demand drafts/managers cheques, and forex

cards.

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Customer Service Management:

Address customer queries, requests, and needs promptly, providing effective suggestions and resolutions. Ensure timely resolution of customer

QRC in the CRM application as per Standard Operating Procedures (SOP) and Turnaround Time (TAT).

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Document Verification:

Ensure two-level verification of all Savings Bank (SB) and Current Account (CA) Account Opening Forms (AOFs) before submission to processing

units to achieve a zero First Time Right rate.

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Customer Engagement:

Lead from the lobby by engaging with customers to resolve complex issues and transactions effectively.

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• Compliance and Monitoring:Conduct Anti-Money Laundering (AML) and Know Your Customer (KYC) procedures, including transaction monitoring and Enhanced Due

Diligence (EDD) and Customer Due Diligence (CDD) for suspicious accounts.

• Money Mule Prevention:

Develop and implement strategies to identify and prevent money mule activities, safeguarding the branch and its customers from financial crime.

Transaction Monitoring:

Monitor customer transactions for suspicious activities, ensuring compliance with internal policies and regulatory requirements

Customer Profiling:

Conduct detailed customer profiling to identify and assess risks associated with various customer segments and transactions.

Claims Management:

Oversee the settlement of death claims, ensuring compliance with regulatory requirements and timely processing.

Locker Management:

Manage the end-to-end locker issuance process, ensuring security and compliance with bank policies.

Forex Transactions:

Process foreign exchange (forex) inward and outward transactions, ensuring adherence to regulatory guidelines.

Corporate Services:

Facilitate the issuance of Bank Guarantees (BG) and Letters of Credit (LC) to corporate clients, supporting their business enhancement needs.

Regulatory Compliance:

Address and manage regulatory and Law Enforcement Agency (LEA) notices, ensuring timely and compliant responses.

Revenue Generation:

Drive branch revenue by identifying opportunities for cross-selling banking products, including liability products, third-party products (TPP), and retail asset loan

Sales Engagement:

Conduct sales calls to support branch business initiatives. Actively participate in sales meetings and events to enhance branch penetration and

increase revenue.

Branch Productivity:

Monitor and analyze branch performance metrics, implementing strategies to enhance productivity and achieve branch targets

• Managed a portfolio of Classic Banking customers and built long-term customer relationships through regular engagement.
• Sourced new customers and acquired CASA (Savings & Current Accounts) to achieve business targets.
• Cross-sold banking products including Fixed Deposits, Recurring Deposits, Insurance, Mutual Funds, Investment Products, Credit Cards, Personal Loans, Home Loans, Business Loans, and Gold Loans.
• Identified customer financial needs and recommended suitable banking and investment solutions.
• Delivered superior customer service by resolving queries, handling service requests, and ensuring high customer satisfaction.
• Managed branch lobby operations, assisted walk-in customers, and improved the overall customer experience.
• Conducted KYC reviews and ensured compliance with RBI guidelines and bank policies.
• Generated referrals and collaborated with internal teams to maximize cross-selling opportunities.
• Achieved monthly, quarterly, and annual sales and revenue targets through relationship management and business development.
• Maintained high standards of operational accuracy, regulatory compliance, and customer retention.

• Managed end-to-end Gold Loan operations, including customer sourcing, appraisal coordination, documentation, loan processing, disbursement, renewals, closures, and portfolio management.
• Sourced and acquired new customers for CASA (Savings & Current Accounts), Gold Loans, Home Loans, Personal Loans, Business Loans, Insurance, and Investment products to achieve business targets.
• Identified customer financial needs and cross-sold banking products to increase portfolio value and revenue.
• Delivered exceptional customer service by handling customer queries, resolving issues promptly, and maintaining high service standards.
• Managed branch lobby operations, guided walk-in customers, ensured smooth customer flow, and enhanced the overall customer experience.
• Ensured compliance with bank policies, KYC/AML guidelines, and internal operational procedures.

Conducted KYC verifications to ensure

compliance with regulatory requirements

- Appraised gold items accurately to determine

loan eligibility

- Managed efficient and timely disbursement

of loans

Gold appraising, verification of customers KYC

and loan processing, loan approvals. Handling

cash more than 5 crore in the month for

business. Developed successful marketing and

advertising strategies that led to new referral

sources. Clearing NPA gold loan accounts and

achieving Interest.