Open To Work
SMRUTI RANJAN SAHOO
Khurda
Work Preference
Summary
Results-oriented Banking Professional with 16 years of experience in branch operations and business development. Enhanced team productivity and ensured compliance through strategic process management and best practices sharing. Built strong client relationships and drove business growth by leveraging effective communication and cross-selling strategies.
Overview
2
2
Languages
17
17
years of professional experience
Work History
Affluent Manager
Bandhan Bank
Bhubaneswar
07.2024 - Current
- Drove customer satisfaction by implementing service excellence and quality initiatives while meeting service level agreements.
- Ensured customer-centric operations by identifying and implementing improvements based on client feedback; effectively handled escalated issues.
- Drove business growth by cross-selling products including fixed deposits, wealth management accounts, credit cards, and loans.
- Achieving entire Front Office cross sell target on Investments & Insurance.
- Successfully promoted the use of CRMS to record customer contacts and sales referrals on a daily basis.
- Sourcing Power vantage & Premier Banking accounts for the branch.
- Confirmed that investments aligned with guidelines in the bank’s Wealth Management System and adhered to audit requirements during 'Maker Checker' process.
- Working closely with retail banking team to facilitate fund transfers, remittances & remote channel banking for the customers.
- Ensuring cash sufficiency and making the necessary arrangements.
- Responsibly handled balancing/maintenance/ Cash Replenishment of Branch ATM.
- Responsible for sending cheques to processing department for high value, normal and outstation clearing.
- Informing customers about any discrepant cheques.
- Deftly handle Deposit/transfer cheques/cash, demand drafts/foreign currency/ travelers cheques, follow up for any failed payments.
- Conducted quality checks on all transactions, reducing errors and resolving queries within established time frames.
- Validating each vouchers posted at the teller counter to verify the accuracy of the transaction.
- Managed front office administration by addressing and resolving all incoming calls, faxes, and queries.
- Facilitated travel arrangements to ensure timely attendance at meetings and events.
- Compiled daily management information system reports to track operational performance.
- Interview customers and explain them the process of gold loan closing.
- Compile all the documents essential for closing procedures and get it signed by respective parties.
- Verify and review loan application and closing documents.
- Assemble the loan history for calculating closing charges, and fees, including the unpaid amount.
- Advise customers on availability of loans and its process.
- Keep records of loan closing applications, loan disbursed and payment received.
- Achieved “certificate of excellence” in exemplary vigilance.
- A member of the EAGLE EYE CLUB of ICICI Bank. It is a group of those people who have raised the alarm at the right time to prevent attempts to defraud the bank through various ways.
Relationship Manager
ICICI Bank
07.2022 - 06.2024
- Managed relationships for affluent and HNI segments, focusing on tailored financial solutions.
- Oversaw NRI and forex desk service for assigned branch.
- Cultivated strong client relationships through regular communication and personalized service.
- Analyzed customer needs to offer tailored financial solutions and product recommendations.
- Coordinated account management efforts to ensure timely service delivery and support.
Customer Service Manager
ICICI Bank Ltd
Cuttack
03.2009 - 01.2020
- Advanced from CSM to deputy branch manager, managing branch audit and compliance.
- Managed customer inquiries and resolved issues effectively.
- Trained and mentored team members in customer service protocols.
- Developed customer service strategies to enhance satisfaction levels.
Education
Post Graduate Diploma - Banking Operations
IFBI
BhubaneswarBachelor - Computer Application
Utkal University
BhubaneswarHigher Secondary -
P.N. College
Khordha10th -
B.J.B. High school
KhordhaSkills
- Customer Operations
- Business Development
- Compliance
- Reporting Skills
- Team leadership
- Team Productivity
- Relationship Building
- Negotiation
- Analytical Skills
- Problem Solving
- Problem Detection
- Strategic decision-making
- Interpersonal Skills
Accomplishments
- Achieved 'certificate of excellence' in exemplary vigilance.
- A member of the EAGLE EYE CLUB of ICICI Bank, a group of those people who have raised the alarm at the right time to prevent attempts to defraud the bank through various ways.
Languages
- English
- Hindi
- Odia
Personal Information
Date of Birth: 06/18/87
Hobbies and Interests
- Listening Music
- Reading
- Net Surfing
Languages
English
Upper Intermediate
B2
Hindi
Proficient
C2
Timeline
Affluent Manager
Bandhan Bank
07.2024 - Current
Relationship Manager
ICICI Bank
07.2022 - 06.2024
Customer Service Manager
ICICI Bank Ltd
03.2009 - 01.2020
Post Graduate Diploma - Banking Operations
IFBI
Bachelor - Computer Application
Utkal University
Higher Secondary -
P.N. College
10th -
B.J.B. High school