VISHAL KOUL
Jammu
Summary
Banking and insurance professional with over 2+ years of experience in financial solutions, risk management, and customer service. Skilled in portfolio management, underwriting, claims, and regulatory compliance. Strong analytical and problem- solving abilities, with expertise in market analysis and profitability strategies. Excellent communicator, known for building trust and loyalty with clients and stakeholders. Seeking to drive growth and innovation in a dynamic financial environment.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Deputy Manager
Kotak Mahindra Bank
08.2023 - Current
- Oversee daily branch operations, ensuring compliance with regulations and internal policies
- Streamline workflow processes to boost efficiency and reduce costs
- Resolve operational issues to minimize disruptions and maintain high service quality
- Build and nurture client relationships, understanding their financial needs and goals
- Cross-sell products and services to drive revenue growth
- Conduct regular client reviews to identify opportunities for growth and risk management
- Stay informed on market trends and competitors to keep clients competitive.
Key Relationship Manager
ICICI Prudential Life insurance
06.2022 - 08.2023
- Facilitate smooth onboarding of employees into National Pension System (NPS) while ensuring regulatory compliance
- Coordinate with NPS Trust and Pension Fund Managers to manage contributions and ensure timely remittances
- Educate employees on NPS benefits, offering guidance on investment options and tax advantages
- Monitor and manage employee NPS accounts, resolving queries related to contributions, fund allocation, and withdrawals
- Collaborate with HR and finance teams to integrate NPS into company's benefits package
- Accurately manage NPS transactions, including contributions, fund switches, and withdrawals
- Address customer inquiries and issues related to NPS accounts, ensuring high service standards.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
Sales Intern
Shri Ram Life Insurance
06.2021 - 08.2021
- Provide administrative support, including scheduling meetings, preparing reports, and managing documentation
- Attend sales meetings and training sessions to learn about sales strategies and techniques
- Collect and report client feedback to help improve sales strategies
- Assist in analyzing sales data to track performance and identify areas for improvement.
Education
MBA - FINANCE
SHRI MATA VAISHNO DEVI UNIVERSITY
Katra, Jammu2022
Bachelor of Science - Non- Medical
JAMMU UNIVERSITY
Jammu2019
Diploma in Computer Application -
CIIT
Jammu2019
Higher secondary -
KNIT School
Jammu2015
High school diploma -
SSM Jammu Public School
Jammu2013
Skills
- Investment Analysis
- Data Analysis
- Decision-making capabilities
- Portfolio Management
- Customer Relations
- MS excel, Power Bi
- Operational Efficiency
- Financial Analysis
- Strategic Planning
- Regulatory Knowledge
- Risk Assessment
- Interpersonal skills
- Teamwork
Certification
- Certified Mutual Fund Distributor (NISM VA)
- IRDA Composite Certification
- SEBI Investor Awareness Certification.
- Certified in Financial Markets Program from Yale University through Udemy.
achievements
- Recognized with the Sales Outstanding and Performance Award from Kotak Mahindra Bank, achieving top performance in a competitive field.
- CDO Award from ICICI Prudential for FY 2022-23, surpassing the target by achieving over 110% of the goal
Timeline
Deputy Manager
Kotak Mahindra Bank
08.2023 - Current
Key Relationship Manager
ICICI Prudential Life insurance
06.2022 - 08.2023
Sales Intern
Shri Ram Life Insurance
06.2021 - 08.2021
MBA - FINANCE
SHRI MATA VAISHNO DEVI UNIVERSITY
Bachelor of Science - Non- Medical
JAMMU UNIVERSITY
Diploma in Computer Application -
CIIT
Higher secondary -
KNIT School
High school diploma -
SSM Jammu Public School
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