Shobhitha Karambera
Mira road East
Summary
In pursuit of assignments in but not limited to Product management, Risk Analytics, MIS & Planning etc” with a growth-oriented organization of repute’ preferably in the financial sector.
An incisive and result oriented professional with almost 17 years of experience across different facets in the banking and finance industry. Presently designated as Senior Manager in HDFC BANK Ltd. Significant experience in analyzing the Analysis MIS, Product Management, Current Account and Saving account Management, NPA analysis and Fixed Deposit MIS, CRM Compliant Management. CMS Analysis. An effective communicator with excellent relationship building & interpersonal skills. Strong analytical, problem solving & organizational abilities.
Overview
18
18
years of professional experience
4
4
years of post-secondary education
Work History
Customer Care Executive
Reliance
- Handling Customer Query
- Maintaining & Processing Documentation
- Maintaining the Account of Handsets Sales
- Maintaining the Daily Accounts & Sales MIS for Billing & Prepaid
Retail Agri- Sr Manager-Sales Support-Branch Banking Channel
HDFC BANK Ltd.
11.2023 - Current
- CRM Lead Management
- CRM lead Management process, ensuring accurate tracking, timely follow-ups and efficient conversion of leads
- Analyzing CRM data to identify trends and enhance lead generation strategies, improving lead quality and potential revenue for the team
- Channel Management for Indian post payment bank and Sahi Bandu DSA (Pan India)
- Responsible for overseeing and driving business growth for the IPPB and Sahi Bandu DSA channel across all regions in India
- Developed strategies and initiatives to enhance the performance, maximize lead generation
- Collaborated with regional teams to ensure alignment with overall business goals and consistence in service delivery
- Infra Support – Seat allocation and assignment management
- Seat allocation process to ensure efficient use of work space resources and proper assignment of seats to team members
- Coordinated with department heads to understand seating requirement and optimize team layout for productivity and collaboration
- Implemented a streamlined process for seat alignment by sending advisory to the team to easy understanding and process the request
- Agri Loan against Gold as security
- Business monitoring and reporting -Weekly monitoring business, prepare and sharing detailed update on business progress
- Target Vs achievements analysis – Regular analysis and reports
- Providing insights into business growth and identifying area for improvement
- Data Driven support – Offering real time data and performance
- Active/ Inactive branch status
- Support to sales team
- Advisory to team for easy understanding and smooth process
Program Manager - Rural Capability Development
HDFC BANK Ltd.
04.2022 - 11.2023
- Engagement with branches -Driving and Monitoring AGL and ME Business for rural Banking
- Closely working with SURU branches and supporting to branches with all requirements
- Preparing RRH/Zonal/Cluster wise MIS and sending to SURU branches for monitoring the progress in business parameters Like target Vs achievements & Branch activation etc
- Evaluating individual and organizational performance to ensure training is meeting business needs and improving performance
- Sending educative series to the team members
- Business plan updates and presentation based on product data
- CAPABILITY BUILDING Across – Rural Branches – 60/120 days Improvement plan and support
- Drive RBBs Anywhere Banking Module, ME, POS and Smart Hub for Digital Migration
- Ensure collaboration, knowledge sharing and best practices in Rural branches to help embed a rural ecosystem
Regional Co-Ordinator
HDFC BANK Ltd.
05.2018 - 04.2022
- Branch Control, Audit & Compliance, Budgets / Targets Setting, monitoring growth of the region, highlighting performance/nonperformance: -Preparation of daily MIS Dashboard –Dashboard is one of the most important tools for monitoring of performance at all levels
- Support/ Backroom activity for presentation to MD
- MIS handling: to Work with underperforming/ below benchmark branches to help them perform and achieve targets
- Tracking managed portfolio performance and attrition
- Customer Service- Monitoring complaints and Escalation Level:
- Monitoring & tracking complaints, escalating to MD, Principal Nodal Officer, and ensuring timely resolution
Product Manager
HDFC BANK Ltd.
06.2015 - 04.2018
- Liability Product Management
- Salary Accounts & Current Accounts–(Portfolio Management & Development
- Target Validation basis the revenue benchmark set for Liability Business
- Customization and waiver request process
- C2I Analysis
- Train and motivate the sales force with various around 20 different analytics and value built up movement etc
- M2 Activation Analysis for CASA customers
- Net banking Activation Drive with Team and Data Sharing CASA Penetration drive on large customers
- Incentive process for Offroll employees
- NPA Account Follow-up for Clearance
- CASA AMB Analysis
- Managing Alternate channels for business generation
- CRM Complaints Management
Sr Officer Infrastructure Finance
ADFC Pvt Ltd.
03.2008 - 06.2015
- Company Overview: (Sister Concern of HDFC Bank)
- Liability Product Management
- Motivate the sales force with various around 20 different analytics and value built-up movement etc
- Data churning for Monthly report like Targets etc
- CRM Compliant management Pan India
- Query/Request & Complaints End to end management, i.e
- RCA to identification of process gap and setting right expectation with customer and providing resolution as per bank process
- CMS (Collection and Payment) thru put analysis/ Team follow up / Tracker on acquisition
- Follow ups for preventing accounts following to NPA’s, even resolution for NPA accounts
- Productivity Analysis- Keeping a track on Productivity of Liability Onroll and Offroll Employees
- Incentive Checking of ADFC for Alternate Channels
- Reports & Analysis & Presentation for Meetings and Review meets, MD Newsletters
- Salary Account – All execution of increasing salary A/c Penetration on potential base bases propensity of customer
- Reports & Analysis & Presentation for Meetings and Review meets, Newsletters
- (Sister Concern of HDFC Bank)
Phone Banking Officer
GE Money
03.2007 - 02.2008
- Attending Customer calls
- Follow ups till customer queries
- Helping the customer with the correct details, within minimum AHT (average holding time)
Education
B.A - undefined
Mangalore University
01.2000 - 05.2003
H.S.C - undefined
Mangalore University
01.2000 - 05.2000
S.S.C - undefined
St. Victors High School
01.1998 - 05.1998
Skills
Computer Basic
Personal Information
- Date of Birth: 10/26/82
- Marital Status: Married
Accolades
- Outstanding Quarterly performance award, 12/01/13
- Outstanding Quarterly performance award, 10/01/14
- Outstanding Quarterly performance award, 07/01/14
- Outstanding Quarterly performance award, 09/01/14
Timeline
Retail Agri- Sr Manager-Sales Support-Branch Banking Channel
HDFC BANK Ltd.
11.2023 - Current
Program Manager - Rural Capability Development
HDFC BANK Ltd.
04.2022 - 11.2023
Regional Co-Ordinator
HDFC BANK Ltd.
05.2018 - 04.2022
Product Manager
HDFC BANK Ltd.
06.2015 - 04.2018
Sr Officer Infrastructure Finance
ADFC Pvt Ltd.
03.2008 - 06.2015
Phone Banking Officer
GE Money
03.2007 - 02.2008
B.A - undefined
Mangalore University
01.2000 - 05.2003
H.S.C - undefined
Mangalore University
01.2000 - 05.2000
S.S.C - undefined
St. Victors High School
01.1998 - 05.1998
Customer Care Executive
Reliance
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