Sruthi T K
Kannur
Summary
As a dedicated professional with over 16 years of extensive experience in banking sales and operations, I am eager to leverage my skills as a senior bank employee. My expertise in Sales and Negotiation, Business Development, and Network and Relationship Building has consistently driven branch growth and customer satisfaction. I excel in managing teams, resolving challenges, and fostering strong relationships with clients and customers. I am committed to applying my strategic vision and leadership skills to enhance operational efficiency and achieve business objectives.
Overview
17
17
years of professional experience
Work History
Area Sales Manager
ESAF Small Finance Bak
Kannur
06.2024 - 03.2025
- Generate new business for the bank in accordance with the defined targets for the Business Development Team.
- Demonstrate sales objectives by creating a sales plan and quota for Kannur Cluster, in support of Bank objectives.
- Maintains and expands the customer base by counseling Kannur Cluster sales representatives, building and maintaining rapport with key customers, and identifying new customer opportunities.
- Accomplishes sales and organizational mission by completing related results as needed.
- Achieve the sales targets (SA/CA) set in terms of NTB, value, and product mix.
- Handling a team size of 10 and above, and taking care of the Kannur Cluster.
- Extend professional customer service to achieve a high level of customer satisfaction and retention.
- Achieve the budgeted cross-sell targets across the designated product lines.
Branch Head
ESAF Small Finance Bank
Thalassery
07.2023 - 06.2024
- Execute overall plans at Branch level in consultation with the Cluster Head.
- Cascade the branch scorecard to the employees and ensure achievement of targets.
- Build and manage effective customer relationship with key customers of the branch ensuring superior customer service; advise them on making robust investment and financial decisions.
- Develop annual operational sales plans in conjunction with Channel Head based on the overall targets and budgets and prioritize the overall efforts by service and allocation of resources.
- Ensure product & Process knowledge to all staff.
- Be up to date on all relevant circulars and all products related to Branch Banking, Third Party Products as well as Retail Asset products.
- Manage very important customers HNIs/ Government / Social Deposit etc. To discuss their needs, outlining appropriate services and resolving problems as appropriate.
- Meet specified number of customers suggested by the corporate office every month.
- Achieve segment-wise liability and cross-selling targets set for the branch.
- Regularly monitor the performance of Branch Banking Department and take corrective action, if required, to ensure achievement of set target.
- Timely escalation of issues, pain points etc for resolution.
Branch Operations Manager
HDFC Bank Ltd
Kannur
06.2020 - 06.2022
- Mainly handling Branch Operations Customer Service and Cross sell.
- Carry out all transactions including cash receipts and cash payments/fund transfers in the branch ensuring due diligence.
- Service walk-in customers in the branch as per their needs and provide necessary guidance.
- Collect cheques received for outward clearing, verify the cheques and present to centralized clearing operations.
- Ensure that the cash received is not counterfeit as per recommended steps and scrutinize the cash received for soiling, or mutilation.
- Pass necessary entries into the core banking software accurately as the maker of the transactions.
- Be the custodian of ATM, one set of keys of the vault and take out adequate cash for daily transactions from the vault & be responsible for items stored in the vault in their custody.
- Tally balances at the end of the day to ensure that the physical cash matches the system cash.
- Highlight instances of excess/ short cash noted in accordance with the duly approved policy and procedures.
- Make required entries in the registers and keep the registers updated.
- Always resolve teller transaction related customer complaints timely and effectively in order to ensure customer satisfaction.
Personal Banker cum Teller
HDFC Bank Ltd
Kannur
05.2018 - 06.2020
- Proactively handling the customer first point of contact in the branch/bank by providing customer service and product information.
- Convince and assist customer in Opening of accounts, Fixed deposit and cross selling third party product such as insurance, SIP, mutual funds etc.
- Identifying new potential customer from walk-ins and offering them products as per their requirements and new customer acquisition through referrals from walk in.
- Proactive customer engagement for account activation and related services.
- Educating the customer with new products of the bank.
- Handling of all Teller activity such as processing of customer request, deposit and withdrawal with accuracy and speed.
- Processing all non-cash transaction such as Demand Draft/Managers Cheque, fund transfer etc.
- Accurate cash management by receiving, counting and disturbing the cash transactions.
- Any counterfeit notes received are informed to seniors as per the bank/RBI norms.
- Ensuring that required cash is securely transferred from the vault before business hours.
- EOD the physical cash are tallied with cash in the system and same is transferred to vault.
- As the sole DIGITAL CHAMPION of the branch, ensuring that all customers of the branch are aware of the digital application and usage.
- Custodian of deliverables such as debit cards/pins, credit cards/pins, insta/tatkal account kits and cheque books.
- Actively engaged in customer retention by resolving the complaints/disputes and convincing to subscribe to maximum products of the bank as per the potential of the customer.
- Handling customer queries, complaints and resolving them to the best satisfaction by following bank policies.
- Preparation of day-to-day customer engagement activity reports and maintaining registers for deliverables.
Assistant Manager - Wholesale Banking Operations
HDFC Bank Ltd
Kannur
08.2008 - 04.2018
- End to End processing of retail liability products (Current and Savings, Time deposit, customer instruction etc.).
- Taken full responsibility of the internal audit for the retail liability product processed at our unit.
- Responsible for handling liability product sales and processing of retail asset products (auto loan, personal loan and business loan).
- Handled cheque clearing desk during rush hours or employee absence.
Education
Bachelor of English -
Sree Narayana College
Kannur07.2006
Plus Two - Commerce
Govt. School
Thottada, Kannur01.2003
Matriculation -
St. Teresa's A I H S S
Kannur01.2001
Skills
- Sales and Negotiation
- Problem Solving
- Network & relationship building
- Business development expertise
- Communication and customer service
- Team Player
- Customer acquisition
- Sales strategy
- Customer relationship management
Accomplishments
Achievements-ESAF
- Won the DHAN DANA DHAN contest for value with 541%
- Won NR topper (PAN India Contest) with 560%
- Won the Golden Delight contest for Gold Loan with 210% achieved
- Branch topper in NR accounts opened in the north circle of Kerala
- Region topper in the QR code challenge
- Branch won the TPP Topper Award for LI and GI
Achievements - HDFC Bank Ltd
- Ranked second for the overall outstanding performance in the contest conducted under the cluster for selling banking products
- Bagged the Topper Award, ranked 1st position in circle and cluster for the high-value acquisition from August 2021
- Star Service Excellence Awards were received for all months of 2020 and 2021
- Awarded as SHARPSHOOTER (PB Welcome Desk) for the month of June 2018 for converting a larger deal of a third-party product (life insurance)
- Received the Silver Star award for overall performance for the second quarter of 2018
- Awarded appreciation from the Circle Head for the exemplary performance in collecting the account opening initial payment, high-value fund of one crore from the customer in August 2021
- Awarded Alert Employee for the months of January 2010, July 2010, September 2010, and February 2011 by the centralized operation unit for finding fake or forged customer documents submitted for account opening
Languages
- English
- Malayalam
- Hindi
Personal Information
Date of Birth: 25/08/1985
Marital Status - Married
Address: "Sruthi," Near SN Nursery, Kannothumchal, Kannur-670006
Languages
Malayalam
First Language
English
Upper Intermediate (B2)
B2
References
References available upon request.
Timeline
Area Sales Manager
ESAF Small Finance Bak
06.2024 - 03.2025
Branch Head
ESAF Small Finance Bank
07.2023 - 06.2024
Branch Operations Manager
HDFC Bank Ltd
06.2020 - 06.2022
Personal Banker cum Teller
HDFC Bank Ltd
05.2018 - 06.2020
Assistant Manager - Wholesale Banking Operations
HDFC Bank Ltd
08.2008 - 04.2018
Bachelor of English -
Sree Narayana College
Plus Two - Commerce
Govt. School
Matriculation -
St. Teresa's A I H S S
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