Velumula Meghana Devi
Visakhapatnam
Summary
Diligent and ambitious Deputy Manager with strong leadership, customer service and sales expertise. Proficient in scheduling, merchandising, cash handling and inventory management. Trustworthy, reliable and always professional.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Deputy Manager (PBGL)
HDFC BANK LTD
06.2022 - Current
- Handling Branch Team of 5 members (2 ops staff & 3 Sales Staff)
- Performing Branch Gold loan operations Manager duties, dealing with every customer approaching the Branch for availing new gold loan, renewal of existing gold loan, gold loan closure(complete/partial)
- Ensure GL Processing happened within specified TAT
- Mobilized of deposits and advances
- Every month Life Insurance Activated Minimum 2 Lakhs Premium
- General Insurance and Health Insurance both around 1 lakh per month
- Gold Loan doing 40 lakhs per month
- CASA acquisition and deepening mobilized One Crore per month
- Monitoring and driving branch and sales force for customer acquisition and cross selling to generate branch revenue
- Responsible for smooth functioning of operations and customer service and queries
- Ensuring timely submission of compliance, Audit Reports
- Controlling and smooth functioning the overall Branch Operations
- Controlling all key related areas in the Branch like KYC norms, Submission of monthly MIS, etc
- Ensuring the branch compliance of all guidelines issued by C.O and other regulatory authorities
- Monitoring Branch expense budgeting and overall cost control of the branch
- Delivery channel coordination (ATM maintenance, Internet Banking, Phone Banking etc.)
- Handling of Home Loans, Business Loans, Loan against Property, CD Loans, OD, and Gold Loans by implement strategies towards enhancing market penetration, business volumes and growth
- Reporting daily business updates to cluster coordinator
- Ensured complete documentation in adherence with KYC Standards and timely processing of transactions and tracked suspicious transactions in compliance with AML; maintained timely MIS & database reflecting the trends & developments of business for budgetary & strategic review to enhance revenues
- Addressing all client queries, issues, complaints, and grievances, understanding & analyzing the Customer requirements, and suggesting suitable products from within the bank’s portfolio of services
- Acquiring fresh leads and identifying opportunities by cementing relationships with existing clients to cross-sell products like Life Insurance, General Insurance, Gold Coins, Jewel Loans, Fixed Deposits, Mutual funds, Personal Loans, Home Loans, Car Loans and Credit Cards
- Developing long-term relationships with High Net Worth Individual (HNI) clients; prospecting and identifying new leads
- Maintaining HNI clients portfolios and giving research reports of markets, Cross selling the core products as such Life insurance, Mutual funds & Loan products
- Qualified for TD Marathon June 2024
Sales Professional
08.2020 - Current
- Offering 2+ years of well-honed experience in Sales Professional and Team Handling
- Sound understanding of Banking Practices and Procedures and thorough exposure on Sales and Operations in Banking and Financial Sector
- Result-oriented and dynamic professional exposure on Retail banking product sales including Third party products, Customer Relationship Building & Business Development with keen eye on Long term market relationship building
- Technically proficient with MS Office, Internet Applications, Flexcube Retail
- Ability of handling contingencies to resolve systems bottlenecks within shortest time frame while building and nurturing relations with customers to ensure regular business opportunities and their prolonged retention
Education
MBA - Finance and Marketing
GITAM University
Visakhapatnam01.2020
BBA - Finance and HR
Aditya Degree College
Rajahmundry01.2018
Board of Intermediate Education - Mathematics, Economics and Commerce
Master Minds Junior College
01.2015
Board of Secondary Education -
KVR Talent school
01.2013
Skills
- Expertise in sales & Policy Enforcement
- Strong work ethics
- Problem solving & Critical thinking
- Effective time management skills
- Quick learner & Tech savvy
- Staff Training and Development
- Professional in handling curricular activities
- Customer Relationship Management (CRM)
- Quick decision-making abilities
- Operating Systems: Windows XP/Windows 7/8/10
- Proficient in MS Office
- Proficient in G suite
- Proficient in Internet applications
- G suite applications: Google Classroom, Google Meet, Google Docs, Google Sheets, Google Slides
Accomplishments
Qualified for TD Marathon June 2024
Personal Information
- Date of Birth: 09/01/95
- Gender: Female
- Nationality: Indian
- Marital Status: Married
Certification
Ø IRDA: Certification for corporate Agents- Composite (IC-38)
Ø NISM Certification
Languages
Telugu
First Language
English
Proficient (C2)
C2
Hindi
Upper Intermediate (B2)
B2
Timeline
Deputy Manager (PBGL)
HDFC BANK LTD
06.2022 - Current
Sales Professional
08.2020 - Current
MBA - Finance and Marketing
GITAM University
BBA - Finance and HR
Aditya Degree College
Board of Intermediate Education - Mathematics, Economics and Commerce
Master Minds Junior College
Board of Secondary Education -
KVR Talent school
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