Vasanth Kumar S
Bangalore
Summary
A result-oriented professional with 15 years of experience in Branch Operations encompassing Business Development, Client Relationship Management, Team Management in the Banking Sector. A proactive planner with abilities in devising effective strategies for augmenting business, identifying and penetrating new market segments, promoting products for business excellence. Customer focused and performance driven. Possess demonstrative excellence in general banking operations. Proficient in steering bottom line profitability by ensuring optimal utilization of available resources. Extensive experience in supervising and rendering quality customer service. Strong analytical, problem solving & organizational abilities. Possess a flexible & detail oriented attitude.
Overview
14
14
years of professional experience
Work History
Branch Manager
DBS Bank ltd
04.2023 - Current
- Handling entire Branch Sales, operations of Branch Banking also handling across products, Like Home Loans, Mortgage Loans, Personal Loans, FEE products like, Life insurance, health insurance, General insurance and all revenue products to make Branch profitable
- Lead a result-oriented team and is responsible for managing the Branch Profitability, ensuring high quality service and Customer Relationship Management, Operation and risk
- Own all branch-banking objectives and overall branch supervision, ensure achievement of overall Branch Targets by generating business and cross sales
- Key Customer Relationship Management & supervision of all High-Net-Worth customer programs
- Ensure all components of the branch sales model function as per design
- Complaints Handling
- Review Branch Operations reports
- Managing teller operations and vault
- Branch Merchandising & co-ordination with Marketing at product level
- Review vault register and Key Registers
- Review Suspense & Dummy accounts
- Ensure compliance with Banking rules, Regulations & Procedures
- Periodic review of progress vs
- Objectives
- Ensure clarity of Business objectives among staff
- Adherence of sales process & Operational Checklist
Branch Manager
Axis Bank Ltd
03.2022 - 08.2023
- Overall Branch responsibilities by Co coordinating with different departments Like Home Loans, Business Loans, Msme team, corporate salaries Working on FEE income generating Revenue by utilizing Available resources at Best
- Establishing standards and delivery of service
- Sale of non-deposit products
- Cross selling targets progressively
- Sale of MF and Insurance products
- Fee Income
- Branch Administration
- Regulatory Compliance
- Manage productivity and overall morale of branch team members
- Overall responsible for break-even and P&L of branch
Branch Manager
Indusind Bank Ltd
09.2020 - 02.2022
- Overall Branch responsibilities by Co coordinating with different departments Like Home Loans, Business Loans, BBG Group, Working on FEE income generating Revenue by utilizing Available resources at Best
Branch Manager
Ujjivan Small Finance Bank
01.2018 - 09.2020
- Branch Banking with overall Branch responsibilities by handling different verticals like HOUSING / MSE /MICRO FINANCE/ Branch Banking by meeting assigned tasks or targets in time
- Responsible for Branch in terms of revenue generation by utilizing the available resources in best manner
- Handled team size of 30 members from both Branch Banking and micro finance, was also headed as Cluster Branch head by handling multiple Branches ensuring both sales and operations
Branch Operations Manager
Kotak Mahindra Bank
12.2015 - 03.2017
- Ensure appropriate management of available tools (people, systems process) at Branches of region
- Manage over all SQ standards and ensure that the branches get the required scores
- To ensure processing of activities within TAT with quality in delivering of services
- Monitor Operational activities at Branches to provide quality services
- Monitor Key Service Indicators and complaint volumes
- Minimize and control Operational Costs
- Responsible for resolution of all technical issues through close coordination with all stake holder
- Checking & reviewing of branches critical issues like Password Sharing, Key Compromise etc
- Effective Cash Management Monitoring
- Offloading excess cash
- ATM Management & Monitoring
- Monitoring of overdue locker Rents
- Monitoring Clearing Activities
- Monitoring of all suspense, Sundry/ P&L accounts
- Monthly balancing of books at branches
- Ensure timely CTR/STR reporting
- Monitoring dormant accounts
- Prepare Backups of Branch Ops Staff
- Audit & Compliance
- Ensure acceptable ratings of all branches in Surprise visits/Annual Inspections
- Ensure that branches respond to IAD comments / observations timely
- Ensure compliance of Policies and SOPs at assigned branches
- Compile and respond to IAD in the given timelines
- Review Internal/ External Audit inspection reports for prompt closure of observations
- Take effective steps toward ensuring non-recurrence of IAD observations
- Timely submission of compliance reports to IAD Inspectors
- Attend Exit Meetings of Compliance and Internal Audit Teams
- Ensure resolution and closure of IAD/ inspection/external audit observations within 60 days
DEPUTY MANAGER
Axis Bank ltd.
07.2011 - 12.2015
- Resourceful in managing gamut of tasks of branch banking operations including vault operations, costs & complaints, suspense / dummy accounts, retail FX postings, gold sales, prepaid cards, corporate salary upload, ATM, branch operations reports, escalation matters etc
- Administer daily operational activities of the branch and recommend strategies for business development along with analyzing client requirements and maintenance of all statutory documents
- Formulate, implement, manage and coordinate processes / operations to maximize operational health and continued branch stability in an efficient operation where the risks are well controlled
- Cross sells various products / services offered by the bank like Mutual funds, Insurance, Life insurance, Credit cards and other Third Party Products ensuring error-free operations with strict adherence to statutory norms laid down by the bank and RBI
- Emphasize on improving customer service record and intervene during issues / concerns ensuring all transactions run smoothly
Education
Master's Degree - Finance & Marketing
Bangalore University
01.2010
Bachelor’s Degree - Business Management
Bangalore University
01.2008
Skills
- Expert in risk management
- Relationship building and management
- Staffing optimization
- Excels in team leadership
Languages
English
Hindi
Kannada
Personal Information
Date of Birth: 07/10/88
Timeline
Branch Manager
DBS Bank ltd
04.2023 - Current
Branch Manager
Axis Bank Ltd
03.2022 - 08.2023
Branch Manager
Indusind Bank Ltd
09.2020 - 02.2022
Branch Manager
Ujjivan Small Finance Bank
01.2018 - 09.2020
Branch Operations Manager
Kotak Mahindra Bank
12.2015 - 03.2017
DEPUTY MANAGER
Axis Bank ltd.
07.2011 - 12.2015
Bachelor’s Degree - Business Management
Bangalore University
Master's Degree - Finance & Marketing
Bangalore University
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