Vipul Srivastava

Overseeing the complete loan life cycle for SME and agricultural sectors, from post-sanction to disbursement.

Verifying legal documents and disbursement paperwork meticulously to ensure accuracy before approving loan limits.

Reviewing limit setups and disbursement memos, ensuring compliance with the bank's policies.

Coordinating with multiple teams and stakeholders, optimizing workflow for smoother operations.

Monitoring compliance issues and notifying sales teams of any outstanding requirements related to credit sanctions.

Managing the full lifecycle of documentation, including validation, storage, and retention, to maintain compliance and organizational standards.

Interfacing with internal teams, such as Corporate Legal, Branch Operations, and Internal Audit, to ensure cohesive operations and adherence to regulations.

Managed relationships with HNI clients, acting as a single point of contact for banking, investment, and portfolio-related requirements.

• Drove business growth through acquisition of quality accounts and cross-selling of liability, asset, and fee-based products to meet targets.

• Handled day-to-day branch banking operations, ensuring smooth service delivery, quick issue resolution, and high customer satisfaction.

• Managed liability products including Savings & Current Accounts, Fixed Deposits, RD, Investments, Gold, Forex, and other fee income products, along with bank asset products.

• Processed Import–Export related requests, salary processing, and supported routine trade and corporate banking operations.

• Executed cash operations, clearing, and daily financial transactions in line with bank policies and controls.

• Ensured accurate account opening, documentation (AOF), term deposit processing, and strict adherence to compliance and regulatory guidelines.

• Supported internal and statutory audits by furnishing required data and ensuring operational compliance.

• Actively participated in all branch banking activities under the Core Banking System (CBS), ensuring smooth and compliant operations.
• Involved in monitoring NPA accounts and supporting related follow-up and control processes.
• Authorized debit and credit transactions related to cash, transfers, clearing, OBC, Fixed Deposits, and other banking instruments.
• Served as Cash Officer, maintaining custody of cash and gold loan securities, and ensuring strong internal controls.
• Authorized to make, draw, negotiate, endorse, and transfer negotiable instruments on behalf of the bank.
• Managed ATM operations, including cash loading, reconciliation, and issue resolution.
• Performed duties as Officer-in-Charge of Cash, handling cash receipts and payments, issuing receipts, and ensuring accurate accounting and settlement.

• Customer Relationship Management: Built and managed strong, long-term client relationships, acting as the primary point of contact for inquiries, service requests, and escalations to ensure high customer satisfaction and retention.
• Business Development & Acquisition: Expanded the customer base by acquiring new clients, developing revenue streams, and maintaining a strong sales pipeline through planned sales initiatives.
• 360-Degree Banking & Cross-Selling: Assessed customer needs to provide end-to-end banking solutions, including savings, loans, investments, and wealth products, to enhance overall wallet share.
• Service Quality & Coordination: Delivered superior service by collaborating with product, credit, and operations teams to offer seamless and customized banking solutions.
• Target Achievement: Consistently met assigned targets for deposit mobilization, income generation, and product sales.
• Compliance & Documentation: Ensured strict adherence to KYC/KRA norms, regulatory guidelines, and accurate maintenance of customer records.

Banking Products, Finacle, Personality Development, Investment Banking, Banking Etiquettes, Digital Banking,Roll Play, Group Discussions, ICICI Learning Matrix

Had a fruitful program during which gained the knowledge of the retail banking products, banking etiquettes, corporate banking, investment banking ,did various roll plays of cross selling , personality development and corporate culture.Emerged as a top performer pan India in various tests during the program and also did research that how the technology has revolutionised the banking industry nowadays.Succesfully Completed the Program by attaining the Top Rank Pan India.