SHRIKANT KAMAL
Branch Manager
Patna,Bihar
Summary
Highly motivated and results-oriented banking professional with 10+ years experience, seeking a Branch Manager position at a reputable organization, leveraging extensive expertise in banking operations, sales, and team leadership to drive branch growth, enhance customer satisfaction, and ensure operational excellence.
Seasoned Banking Operations Manager with 10+ years of experience in branch management, customer service, and sales within the banking industry. Proven ability to drive branch growth, enhance customer satisfaction, and ensure operational excellence through strategic planning and effective team leadership. Expertise in managing all aspects of branch operations, including CASA, clearing, cash management, ATM, and term deposits, adhering to banking regulations and compliance standards (KYC, AML). Adept at building and maintaining strong customer relationships, resolving complex issues, and providing tailored advisory services to meet their investment needs. Skilled in risk management and fraud prevention, implementing controls and monitoring systems to minimize operational losses and safeguard bank assets. Proficient in utilizing banking software systems such as Finacle 10.2, Saksham, and Branch Analytics to streamline operations and improve efficiency. Demonstrated success in achieving incremental targets for liabilities, assets, and fee income products through effective sales strategies and performance management. Certified in NISM Series V A, NISM Series VI, IRDA (SP), and AML-KYC Compliance, ensuring a thorough understanding of regulatory requirements and best practices. A team player with strong leadership abilities, adept at training and mentoring staff to foster a high-performance, customer-centric environment. Excellent communication, interpersonal, and problem-solving skills, enabling effective interaction with customers, colleagues, and external stakeholders.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Senior Manager/ Branch Head
Axis Bank Limited
10.2023 - Current
- Responsible for branch leadership, team management, sales performance, risk mitigation, customer service, and compliance, consistently striving for operational efficiency and customer satisfaction.
Branch Operations Head
Axis Bank Limited
04.2019 - 09.2023
- Responsible for the management of branch operations, relationships with external entities, ensuring compliance with regulatory requirements, training of subordinates, and monitoring key branch metrics.
- Directed complete management of branch operations encompassing savings accounts, current accounts, cash, remittances, legal & clearings, ensuring efficient service delivery.
- Managed relationships with external entities, including Income Tax Office, Police Station, Crime Branch, Economic Offence Wing, and courts, representing the branch in legal proceedings.
- Oversaw processing of account opening forms adhering to KYC and AML guidelines, ensuring verification of documents to maintain regulatory compliance.
- Monitored risk by analyzing reports for alert monitoring of instruments liquidated into CASA and GL accounts.
- Ensured liabilities forms were checked as per the prescribed checklist, minimizing discrepancies and rejections during processing.
- Trained and developed a team to manage various facets of branch operations, improving administration and operational efficiency.
Deputy Manager
Axis Bank Limited
04.2017 - 03.2019
- Responsible for monitoring of transactions, resolution of customer issues, authorizing transactions, and reconciliation of general ledgers while ensuring regulatory compliance and providing advisory service.
- Monitored high-value transactions executed across home and non-home branches through daily reports to ensure compliance and prevent fraudulent activities.
- Resolved customer concerns and complaints routed by customer care, providing solutions to improve customer satisfaction and maintain service standards.
- Authorized high-value transactions including cash payments, cash receipts, NEFT, RTGS, and inward cheque clearing while adhering to regulatory requirements.
- Managed and reconciled internal GLs on a daily basis ensuring timely completion and adherence to TAT.
- Conducted risk profiling of mapped clients for better advisory on investment needs, ensuring alignment with the client's financial goals.
- Verified and authorized all operational transactions while ensuring compliance with established procedures and regulatory policies.
Assistant Manager
Axis Bank Limited
12.2014 - 03.2017
- Serviced customer enquiries, cross-selling investment products, and provided resolutions on customer complaints.
- Addressed customer inquiries, identified banking needs, and delivered solutions to enhance customer satisfaction.
- Cross-sold CASA and investment products, including life insurance, general insurance, and mutual funds, to expand client relationships.
- Ensured compliance with regulatory requirements by submitting timely fortnightly and monthly reports like STR-8 and STR-9.
- Delivered superior customer service and drove cross-selling initiatives to enhance product penetration.
- Managed walk-in customers, resolved queries, and provided advisory services to key clients to improve customer loyalty.
- Cultivated and sustained robust business relationships with key clients, maximizing customer satisfaction and generating opportunities for additional business.
Education
Post-Graduation Diploma - Banking
Axis Manipal University
Bachelors of Technology - undefined
JNTU
Skills
- Leadership Communication
- Problem-solving
- Relationship-building
- Teamwork
- Banking Management
- Branch Operations
- Sales Management
- Risk Management
- Compliance (KYC/AML)
- Finacle 102
- CRM Software
- MIS Reporting
- Branch Analytics
- Cash Management
- Strategic Planning
- Team Leadership
- Business Development
- Customer Relationship Management
- Risk Management & Compliance
Certification
- NISM Series V A: Mutual Fund Distributors Certification Examination
- NISM Series VI: Depository Operations Certification Examination
- SP Certified by IRDA
- Certified AML- KYC Compliance Officer
Accomplishments
- Selected in ABYP (Axis Bank Young Bankers Program), Bangalore, demonstrating high potential in banking leadership and management.
- Chosen as Representative to HR for entire Axis Bank Young Bankers Program batch, reflecting exceptional interpersonal and communication skills.
- Received various prizes and recommendations from Axis Bank at Cluster and Circle levels, acknowledging consistent high performance.
- Rated best across the years in Axis Bank circle, indicating sustained excellence in banking operations and customer service.
Languages
English
Hindi
Hobbies and Interests
- Financial Planning
- Leadership Training
- Community Service
- Mentoring
- Reading
Timeline
Senior Manager/ Branch Head
Axis Bank Limited
10.2023 - Current
Branch Operations Head
Axis Bank Limited
04.2019 - 09.2023
Deputy Manager
Axis Bank Limited
04.2017 - 03.2019
Assistant Manager
Axis Bank Limited
12.2014 - 03.2017
Post-Graduation Diploma - Banking
Axis Manipal University
Bachelors of Technology - undefined
JNTU