VIPULKUMAR B. MODI

• Total 15 retail branches come under my purview.
• My Main responsibility is to increase market share of deposit and advances of my bank in the district by increasing branch network, increasing IDMS (Incremental deposit market share) and ensuring low cost to income ratio.
• Smooth branch Audit, operations and compliances are also KRA of my job role.
• I have to ensure that cluster achieves target for all the products like deposits, assets, cross sell and life insurance products.
• Identifying good talent from the competition and recruiting them for various positions of the retail branch banking.
• Maximized revenue growth with strategic planning, market analysis, and targeted marketing campaigns.
• Evaluated performance metrics regularly to identify areas for improvement in customer service standards.
• Guiding and supporting each branch manager so that resource wise productivity is achieved.
• I have to ensure lowest attrition of the staff in the cluster.

Key Achievements

• I have qualified 5 MDRT conferences of life insurance at various international locations in these 3 years.
• There was a lowest staff attrition in my cluster.

Locations as a Branch Manager

Bardoli Branch (Dist- Surat) - 15th July'09 to 31st Oct'15

Citylight Branch (Surat City) - 1st Nov'15 to 30th June'19

Ringroad Branch (Surat City) - 1st July'19 to 31st March'22

I have worked in 3 branches as a Branch Manager as mentioned above. There was a job size growth in each branch where i was trasnferred.

I handled Ringroad, Surat branch last as a branch Manager which was 900 cr book size branch and 30 staff were reporting to me.

Below are the duties and responsibilities as a Branch Manager in HDFC Bank.

• Smooth Audit and operations, Best customer service, achieving sales target of all banking and TPP products, ensuring resource level productivity, lowest cost to income ratio of the branch.
• Improve customer satisfaction by enhancing service quality and resolving client issues promptly.
• Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
• Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
• Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
• Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
• Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
• Complied with regulatory guidelines and requirements.
• Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.
• Increased customer satisfaction with personalized banking solutions, tailoring services to meet individual financial goals.

Key Achievements

• I was qualified for7 MDRT/IRP conferences at international locations as a Branch Manager.
• I had acquired many big corporate relationships and government department relationship with regular follow up.
• Many staff under me promoted as various higher role in the bank.

• Supervising branch operations like account opening, KYC/AML guidelines, teller operations, locker operations, monitoring of suspense accounts etc..
• Ensuring Personal bankers who report to me achieve their productivity and revenue target.
• Ensuring best customer service, complaint management and digital diversion of customer's banking transactions.

• Processing customer service request like address change, card request, sign change etc.. and providing customer service over the counter
• Guiding customer for using digital banking channel to route their transactions and requests.
• Cross selling various products of the bank over the counter.