VIJITH S
BANKING PROFESSIONAL
Kollam
Summary
Dynamic banking professional with over 8 years of experience in branch management, SME banking, portfolio growth, and customer relationship management. Proven leader adept at optimizing financial performance and consistently exceeding targets through effective team management. Recognized for achieving operational excellence and cultivating strategic relationships that drive measurable results in competitive banking environments. Committed to leveraging industry knowledge to enhance service delivery and foster client satisfaction.
Overview
10
10
years of professional experience
4
4
Languages
Work History
BRANCH HEAD
ESAF Small Finance Bank Ltd
07.2023 - Current
- Managed staff across multiple departments, ensuring task alignment and performance efficiency.
- Resolved customer queries and escalations, collecting feedback to improve service delivery.
- Monitored financial performance metrics, including revenue, costs, and profitability.
- Guided sales teams in optimizing strategies to meet targets and enhance performance.
- Identified cross-selling and upselling opportunities to drive revenue growth.
- Increased branch revenue by implementing effective sales strategies and maintaining strong customer relationships.
- Implemented innovative marketing campaigns to expand the branch''s market presence and attract new clients.
- Developed a high-performing team through targeted recruitment, training, and coaching initiatives.
- Collaborated with other branches for knowledge sharing and best practice implementation, strengthening overall organizational performance.
- Enhanced customer satisfaction with responsive service and timely resolution of issues.
- Reduced employee turnover rate by creating a supportive work environment that encouraged professional growth.
RELATIONSHIP LEADER – ACQUISITION (Micro Enterprises Banking)
Yes Bank Limited
06.2022 - 07.2023
- Acquired New-to-Bank Business Banking relationships with turnovers up to ₹100 crores.
- Specialized in SME markets, focusing on asset business development.
- Conducted in-depth analysis of balance sheets, financial ratios, and security documentation.
- Demonstrated strong expertise in Working Capital Products and business credit evaluation.
PERSONAL BANKER (Classic and Preferred)
HDFC Bank Ltd
09.2019 - 06.2022
- Acquired new Classic and Preferred banking customers and enhanced existing relationships.
- Cross-sold banking products, including TPP, assets, and cards, tailored to customer needs.
- Managed customer portfolios, ensuring deepened relationships and high satisfaction levels.
SALES OFFICER
Ujjivan Small Finance Bank
04.2018 - 08.2019
- Acquired CASA accounts for residents and non-residents, maintaining quality benchmarks.
- Boosted fixed deposit penetration among existing and new customers.
- Delivered superior customer service while meeting productivity norms.
SENIOR RELATIONSHIP OFFICER
Axis Bank Ltd
10.2015 - 03.2018
- Advised clients on loan requirements and eligibility.
- Explained loan terms and products, ensuring transparency and customer understanding.
- Verified financial information and documentation to ensure compliance and policy adherence.
Education
BACHELOR OF COMMERCE -
Madurai Kamaraj University
04.2001 -
HIGHER SECONDARY - undefined
Kerala Board of Higher Secondary
01-2014
Skills
Operations management
Sales management
Compliance management
Staff development
Decision-making
Process improvement
Customer relationships
Performance reviews
Sales development
Banking
Staff supervision
Staff training
Accomplishments
- PAN India Leader: Secured the highest CASA growth for ESAF Small Finance Bank.
- MDRT Qualification: Qualified for Singapore MDRT (Life Insurance) at Yes Bank Ltd.
- Top Employee Award: Recognized at HDFC Bank for income generation and portfolio growth.
- Performance Excellence: Achieved consistent monthly targets across multiple roles.
DECLARATION
I hereby declare that the above-mentioned information is true and correct to the best of my knowledge and belief. I take full responsibility for the accuracy of the details provided. Vijith S
STRENGTHS
- Strategic Leadership: Proven ability to lead diverse teams, drive operational efficiency, and implement strategic initiatives that deliver measurable business growth and profitability.
- Customer-Centric Approach: Expertise in building and maintaining strong customer relationships, resolving complaints promptly, and ensuring high levels of customer satisfaction and retention.
- Result-Oriented Execution: Consistently exceeds performance targets with a focus on financial analysis, risk management, and innovative problem-solving to optimize revenue and reduce costs.
Timeline
BRANCH HEAD
ESAF Small Finance Bank Ltd
07.2023 - Current
RELATIONSHIP LEADER – ACQUISITION (Micro Enterprises Banking)
Yes Bank Limited
06.2022 - 07.2023
PERSONAL BANKER (Classic and Preferred)
HDFC Bank Ltd
09.2019 - 06.2022
SALES OFFICER
Ujjivan Small Finance Bank
04.2018 - 08.2019
SENIOR RELATIONSHIP OFFICER
Axis Bank Ltd
10.2015 - 03.2018
BACHELOR OF COMMERCE -
Madurai Kamaraj University
04.2001 -
HIGHER SECONDARY - undefined
Kerala Board of Higher Secondary