TEJAS B SHAH

Deputy Vice President – Branch Head – AU Small Finance Bank| Bharuch

· Responsible to Drive CASA book growth, fee income, and business

quality targets by managing branch sales and service part effectively.

· To build and deepen relationships with retail customers with effective planning and execution of cross-sell strategies and improve

sales productivity by leading local sales campaigns and promotions.

· Foster a customer-centric culture that ensures high engagement and satisfaction.

· Coordination with BOSM and team leaders to drive business growth.

· Oversee daily branch operations, including vault, ATM, teller, and customer service functions.

· Ensure ethical practices in customer acquisition and servicing.

· Track weekly branch performance and business progress.

· Plan manpower, conduct appraisals, and manage staff motivation and retention.

· Develop alternate channels for CASA sourcing and customer acquisition.

· Train branch staff regularly on products and competition.

· Support employee engagement, job satisfaction, and team commitment to service.

• Primary responsibility to drive business growth within a specific geographic area by focusing on sales, relationship management, and channel development.
• Also responsible for achieving sales targets, building relationships with clients and branch teams, and launching new products.
• Led a team of 12 Relationship Managers/Officers & responsible for business expansion & growth of the lending book to achieve top line and profitability.
• Spearheaded market expansion, resulting in a 25% increase in sales volume within the Centre/territory.
• Collaborated with Branch frontlines/leadership team to develop sustainable business development strategies, leading to a 30% growth in annual revenue.
• Consistently exceeded quarterly cross sell sales targets by 15% through effective networking and consultative selling techniques.
• Followed RPC, PPC strategy with a focused approach, resulting in the acquisition of desired number of new CASA accounts.
• Expanded the customer base by 30% through strategic outreach and relationship-building, securing high-value contracts.

• Overall responsible for improvements in business growth, portfolio performance, and customer satisfaction, include increasing the number of new accounts acquired, growing the existing portfolio's assets, improving loan recovery rates, and driving up customer satisfaction scores.
• Increased the number of new BBG product mix accounts by 10% MOM.
• Successfully onboarded 29 number of new businesses averages quarter on quarter, exceeding the target by 11% i.e., achieved 111%.
• Increased the overall portfolio value by 18% through new deposits, loans, and other products.
• Achieved a 25% growth in loan disbursal for existing clients, indicating a stronger relationship.
• Improved the average deposit amount per client by 79% i.e., achieved 179% v/s target.
• Improved loan recovery rates by 97% in the portfolio, reducing bad debt and increasing profitability.
• Reduced the time to recovery for overdue loans by 20 days, demonstrating efficiency.
• Reduced customer complaints by 90% through proactive communication and resolution.

• Overall responsible for increases in branch revenue, customer satisfaction, new client acquisition, and operational efficiency.
• Increased branch revenue by 12% through strategic product sales and cross-selling initiatives.
• Improved branch profitability by 10% through effective cost management and operational efficiency.
• Improved customer satisfaction scores by 20% through enhanced service standards and customer relationship management.
• Increased customer retention rate by 10% through proactive customer engagement and personalized service.
• Reduced operational costs by 10% through efficient resource management and process optimization.
• Increased employee productivity by 15% through training programs and performance management initiatives.
• Create highly cohesive working environment by introducing interactive staff meetings. Lead the team that maintains the highest standards of resource productivity & client relationships at all times to ensure the highest levels of customer satisfaction.

• Overall responsible for focus on specific results and how they impacted the branch's performance i.e., sales growth, customer acquisition, productivity, revenue generation, client retention, Team leadership, compliances.
• Achieved assigned incremental CASA no’s & Value every month.
• Reduced 25% rejection ratio of AOF in just 3 months.
• Awarded by A+ rating in SPARC audit – Sales for Vapi Branch.
• Achieved incremental growth in productivity of ASM team.

• Overall responsible for driving business growth at the branch level by acquiring new customers, managing existing relationships, and promoting Yes Bank's products and services. This includes achieving sales targets, managing a team 10 Associate Sales Manager and ensuring compliance with bank policies and regulations.
• Increased branch sales revenue by 25% within the first 6 months, exceeding the Cluster target by 10%.
• Acquired 25-30 new clients MOM accounts with an average deposit value of 2.5 lacs contributing to a 15% increase in overall branch CASA deposits.
• Led a cross-selling campaign that resulted in an additional 20-25 lacs cross sell business MOM during campaign period and cross sell revenue, surpassing the sales target by 79% and got certificate by “MD & CEO of Yes Bank & Max New York” for par excellence performance.
• Improved team sales performance by 15% through targeted training and coaching, resulting in a 5% reduction in employee turnover.

• Company Overview: DSA of ICICI Bank Ltd
• DSA of ICICI Bank Ltd