VIJAY BHASKAR ILLA
VISAKHAPATNAM
Summary
Dynamic banking professional with extensive experience at HDFC Bank, excelling in relationship management and financial advising. Proven track record in cross-selling financial products, enhancing customer loyalty, and driving portfolio growth. Adept at leveraging digital banking solutions to meet client needs while ensuring compliance and operational excellence.
Overview
5
5
years of professional experience
Work History
Personal Banker
HDFC BANK LTD
VISAKHAPATNAM
04.2024 - Current
- Opened accounts and processed loan applications, enhancing customer experience and satisfaction.
- Educated customers on a variety of retail products and digital solutions, enhancing customer experience.
- Cross-sold banking products, increasing client engagement and supporting branch revenue growth.
- Delivered financial advice tailored to individual client goals, fostering stronger financial relationships.
- Met with customers to analyze financial needs and maximize sales opportunities.
- Assisted customers with deposits, withdrawals, transfers, loan payments and other banking transactions.
- Resolved customer inquiries and issues promptly to ensure satisfaction.
- Responded promptly to customer emails, phone calls and requests for information.
- Collaborated with team members to enhance service delivery standards.
- Monitored account activities for compliance with banking regulations.
- Identified potential fraud risks on accounts and reported suspicious activities to management.
- Educated customers on digital banking tools and features.
- Recognized transaction needs and educated clients on service and digital channels to assist with self-service.
- Followed operational standards, promoting security, risk management and compliance.
- Facilitated resolution of customer disputes in a fair manner while protecting the interests of the bank.
- Described promotional offers and used persuasive sales techniques to upsell services and convince clients to apply for additional banking services.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Analyzed customer credit data and other financial information to identify solutions that aligned with customer needs.
ELITE RELATIONSHIP MANAGER – HOUSEHOLD
KOTAK MAHINDRA BANK LIMITED
06.2023 - 04.2024
- Cultivated strong relationships with new and existing clients through effective communication and interpersonal skills, enhancing customer loyalty and trust.
- Develops new and expands existing High Net worth Customer relationships for liabilities and commercial assets.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Ensures high levels of customer service orientation and application of bank policy. · Cross sells existing bank products to customers. · Informs customers of new products or product enhancements to further expand the banking relationship.
- Achieved sales targets of the Branch in terms of number of accounts with proper product mix, CASA (Current Account and Saving Account), Term Deposit & Asset Products.
- Plans and conducts special sales initiatives and events for prospective and existing clients.
- Enhanced marketing strategies to attract new customers and promote business growth.
- Maintained complete adherence to the Regulations, KYC (Know Your Customer) & Compliance.
- Coordinates with other group companies to provide seamless access to other products.
- Developed and implemented business strategies to achieve business goals and stay competitive.
- Planned and budgeted accurately to provide business with resources needed to operate smoothly.
- Reduced waste and pursued revenue development strategies to keep department aligned with sales and profit targets.
- Addressed customer problems directly and implemented corrective actions, maintaining high levels of customer satisfaction.
Senior Relationship Manager (BSM)
ICICI BANK LIMITED
03.2022 - 06.2023
- Successfully & consistently delivering the responsibilities of Branch Relationship officer with ICCI Bank Ltd., Proven expertise in planning & implementing integrated marketing communications, business development strategies, market research, banking, cash management, & revenue generation.
- Understanding of Banking Practices and Procedures with ability of handling contingencies to resolve within shortest time frame while building and nurturing relations with customers to ensure regular business opportunities and their prolonged retention. Dynamic & result oriented professional with rich cross-functional experience in managing then tire spectrum of Customer Service Delivery, Customer Relationship.
- Developed new banking relationships with business prospects.
- Worked with branch partners to maximize sales efforts to business customers and cross-sell other products and services.
- Researched current market trends to identify prospective customers and assess their specific needs.
- Requested customer feedback to enhance client satisfaction and retention, addressing issues promptly.
- Developed strategic plans for day-to-day financial operations.
- Collaborated with C-level executives and stakeholders to create strategic long-term financial plans.
RCU Support Executive – MIS (Coordinator)
TEAM SPACE INDIA Pvt Ltd
02.2021 - 02.2022
- Prepared monthly MIS and managed agency operations for all retail products.
- Tracked inbound support tickets, delivering timely resolutions to enhance customer satisfaction.
- Monitoring Screening, Sampling activities across products like Business loans, Personal Loans, Auto Loans and Working capital Loans (All retail Bank Loans and Business loans) related activities.
- Handling Fraud control activities for Retail Assets division in Visakhapatnam.
- Investigation of Risk alert cases, System marked fraud cases, Nonstarter cases across products and publishing detailed investigation reports.
- Informed the business to halt loan disbursement upon identifying discrepancies from Hunter.
- Verified retail products to ensure compliance and integrity.
Education
MBA - FINANCIAL MANAGEMENT
Gandhi Institute of Technology And Management
VISAKHAPATNAM01-2021
Bachelor of Commerce - Commerce
Gandhi Institute of Technology And Management
VISAKHAPATNAM12-2018
Industrial Training Institute - FITTER
Kakatiya Industrial Training Institute (ITI)
VISAKHAPATNAM07-2014
The Board of Secondary Education - The Board of Secondary Education
Siddhartha Public School
VISAKHAPATNAM05-2012
Skills
- Financial Product Knowledge
- Financial advising
- Account opening
- Digital banking
- Relationship management
- Portfolio management
- Portfolio Growth
- Business acquisition
- Sales Reporting
- Customer Relationships
Timeline
Personal Banker
HDFC BANK LTD
04.2024 - Current
ELITE RELATIONSHIP MANAGER – HOUSEHOLD
KOTAK MAHINDRA BANK LIMITED
06.2023 - 04.2024
Senior Relationship Manager (BSM)
ICICI BANK LIMITED
03.2022 - 06.2023
RCU Support Executive – MIS (Coordinator)
TEAM SPACE INDIA Pvt Ltd
02.2021 - 02.2022
MBA - FINANCIAL MANAGEMENT
Gandhi Institute of Technology And Management
Bachelor of Commerce - Commerce
Gandhi Institute of Technology And Management
Industrial Training Institute - FITTER
Kakatiya Industrial Training Institute (ITI)
The Board of Secondary Education - The Board of Secondary Education
Siddhartha Public School