Sohini Garai

• Managed affluent client portfolios for HDFC Bank retail banking relationships.
• Advised customers on deposits, loans, and investment products.
• Coordinated cross-selling across savings, credit, and wealth solutions.
• Developed and implemented strategies to increase customer satisfaction and grow client base.
• Built client trust through regular service follow-ups and issue resolution.
• Conducted regular meetings with clients to review their financial portfolios and discuss any changes or updates.
• Reviewed account activity and identified relationship opportunities.
• Analyzed customer profiles to identify areas of improvement in banking services.
• Provided guidance on investment decisions, such as stocks, bonds, mutual funds, insurance products and other investments.
• Reviewed documents pertaining to loan applications, mortgages, credit cards and other financial instruments provided by the bank.
• Created detailed reports outlining customer feedback, account activity, sales performance metrics.

• Managed and nurtured relationships with High-Net-Worth (HNW) customers to enhance client satisfaction and retention.
• Assessed customer financial needs and delivered tailored banking and wealth management solutions to optimize client outcomes.
• Deliver financial planning and investment-related guidance to clients.
• Drive business growth through effective relationship management and achievement of sales targets.
• Collaborate with internal teams to enhance customer experience and service delivery.
• Drove business growth by effectively managing relationships and achieving sales targets through strategic engagement.
• Ensure adherence to banking regulations, compliance requirements, and organizational policies.
• Key Responsibilities:

• Effectively manage HNI client portfolios and offered financial advice regarding investments and savings.
• Cultivated networks with affluent clients to foster business growth. with high-net-worth individuals to expand client base.
• Cross-sold fee products to existing and new clients, including mutual funds, SIPs, life insurance, general insurance, and health insurance, increasing product penetration.
• Generated customized analysis of protective clients investment portfolios and used it to create portfolio proposals and investment policy statement.
• Provided various loan options, including personal, home, business, and overdraft loans, to customers.

• As a professional banker with experience in retail banking segment with experience 3 yr 6 month in several segments of branch banking and financial planning services to a wide range of folio clients.
• Supported identifying potential sales opportunity to new business clients.
• Cross selling of fee products( Mutual fund, life insurance, health insurance).
• Acted as Branch Relationship Officer to build and maintain client relationships.
• Managed customer portfolio alongside daily branch operations to ensure client satisfaction.
• Promoted fee products such as mutual funds, life insurance, and health insurance to enhance client portfolios.
• Facilitated foreign exchange transactions to meet customer currency needs.
• Provided customers with loan options including home loans, personal loans, business loans, and gold loans.
• Assumed role of Customer Relationship Manager in September 2016, overseeing client interactions and support.

GPA: 70%

• Professional Development Courses: PGDBM

GPA: 71%