UMESHA N
Senior Manager-Retail Banking
Bangalore
Summary
Confident, Energetic, Professional and quick learners are some of the words that describe me. I have diverse interests and I am always willing to try new avenues to improve myself .I am good team player and have extensive experience in handling team work and leadership responsibilities. I always take initiative during the organization and execution of project and working under pressure brings out the best in me and helping me to push myself to new competitive levels
Overview
12
12
years of professional experience
2
2
Certifications
3
3
Languages
Work History
Senior Manager-Retail Branch Banking
HDFC Bank
12.2022 - Current
- Managing 200 high-net-worth clients and serving HNW clients, portfolio management, mutual funds, SIP, cross-selling, approaching fresh funds, customer service engagement, FOREX, foreign remittances, bringing new business accounts, savings accounts, and insurance.
- Industry: BRANCH BANKING (Retail Banking and Portfolio Management)
- Cultivated strong client relationships to enhance customer satisfaction and loyalty.
- Delivered personalized financial solutions to meet diverse client needs and objectives.
- Analyzed customer portfolios to identify opportunities for growth and risk mitigation.
- Mentored junior team members on best practices for client engagement and service delivery.
- Developed and implemented process improvements resulting in increased productivity and reduced costs.
- Led cross-functional teams to drive strategic initiatives and enhance operational efficiency.
- Led strategic initiatives to enhance customer experience and operational efficiency.
- Streamlined processes to reduce turnaround time for loan approvals and service requests.
- Developed and implemented training programs to enhance team performance and product knowledge.
- Analyzed market trends to inform product development and marketing strategies.
- Managed key stakeholder relationships to foster collaboration and support business objectives.
Associate Vice President (AVP)
HSBC Bank
06.2015 - 11.2022
- Industry: RBWM (Retail Banking and Wealth Management)
- Led cross-functional teams to implement strategic initiatives enhancing operational efficiency and customer satisfaction.
- Developed and executed risk management frameworks ensuring compliance with regulatory standards and internal policies.
- Streamlined financial reporting processes, improving accuracy and reducing turnaround times for key deliverables.
- Mentored junior staff, fostering professional growth and enhancing team performance through knowledge sharing.
- Spearheaded market analysis initiatives, identifying growth opportunities and informing strategic business decisions.
- Collaborated with senior leadership to align business objectives with organizational strategies, driving overall performance.
- Managed budget planning and forecasting, optimizing resource allocation to achieve operational targets.
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Implemented new CRM software, improving tracking of customer interactions and service efficiency.
- Led weekly team meetings to discuss performance metrics and strategize on improving customer service delivery.
- Led cross-functional teams to enhance operational efficiency and streamline banking processes.
- Developed and implemented strategic initiatives to improve customer experience and service delivery.
- Drove risk management strategies to mitigate financial exposure and ensure regulatory compliance.
- Oversaw budget planning and resource allocation to optimize financial performance across departments.
Sales Executive
American Express
07.2013 - 12.2014
- Promoting and selling credit cards to suitable clients.
- Industry: Credit cards.
- Cultivated client relationships to drive sales growth and enhance customer satisfaction.
- Developed and implemented targeted sales strategies to increase market penetration.
- Analyzed market trends and customer feedback to refine product offerings.
- Collaborated with cross-functional teams to optimize sales processes and improve efficiency.
- Managed high-value client accounts, ensuring personalized service and support.
- Developed and executed strategic sales plans to enhance client retention and satisfaction.
- Leveraged CRM tools to track sales performance and identify growth opportunities.
- Collaborated with cross-functional teams to align marketing efforts with sales objectives.
- Mentored junior sales team members to improve their sales techniques and customer engagement.
Education
MBA - Finance and Marketing
Seshadripuram Institute of Management Studies
Bengaluru, India01.2013
B.B.M - Finance
Gov. College Mandya
Mandya, India01.2011
PUC - Finance
Gov. College Dudda
Mandya, India01.2008
SSLC - Finance
Gov. College Dudda
Mandya, India01.2006
Skills
Customer Focused Sales Strategies
Certification
NISM
Accomplishments
- HSBC: Qualified all quarters for incentive being best performer in the team.
- HSBC: Involving in sales planning, Team leading and to achieve team target.
- HSBC: Won At Our Best in staff award, Best service award and Dynamo award.
- HSBC: When absence of manager handled team smoothly many times.
- HSBC: Achieved Consistently brought in half of the overall monthly and yearly sales target
- HSBC: Maintaining 100 % monthly target on all products(personal loan, Corporate salary accounts and Credit cards)
Disclaimer
I hereby declare that the information furnished above is correct to the best of my knowledge. Place: Bangalore Date: Umesha N
COMPETENCIES OVERVIEW:
- A dynamic professional with 12 years of rich experience in Retail Banking with key focus on top line profitability while ensuring optimal utilization of resources with Leading Banks.
- Experience in creating business development procedures, Service standards, Operational policies and guidelines with clear understanding & experience of operating each of the designated departments.
PERSONAL PROFILE:
- Ability to work both independently and in a team.
- Keen interest in the areas of sales planning, Microsoft Excel its analysis and Operational Research.
- Established management skills with confident and determined approach.
- Recognized for excellent interpersonal and effective communication skills with the ability to multi task.
- Able to relate effectively with a diverse population.
- Self-motivated, pleasant disposition, team player with leadership abilities.
Timeline
Senior Manager-Retail Branch Banking
HDFC Bank
12.2022 - Current
Associate Vice President (AVP)
HSBC Bank
06.2015 - 11.2022
Sales Executive
American Express
07.2013 - 12.2014
MBA - Finance and Marketing
Seshadripuram Institute of Management Studies
B.B.M - Finance
Gov. College Mandya
PUC - Finance
Gov. College Dudda
SSLC - Finance
Gov. College Dudda