Vishevraj Pratap Singh Nirwan

• Lead a result-oriented team of 12 people and is responsible for managing the Branch Profitability, ensuring high quality service and Customer Relationship Management, Operation and risk.

• Owned all branch-banking objectives and overall branch supervision, ensure achievement of overall Branch Targets by generating business and cross sales.

• Sourcing of business, deposits and loan proposals and sanctioning of loans, advances and lines of credit

• Interview and advise customers on various commercial and personal financial products as per their individual needs and respond to customer inquiries.

• Promote and sell non-deposit products such as mutual funds, insurance products, and fee-based income to achieve set targets.

• Marketing and building a rapport with the community to attract business and networking to improve the presence and reputation of the bank

• Assessing local market conditions and identifying business opportunities and providing insight to the Bank for better market penetration and development of customized products for wider audience.

• Analyzed customer feedback data to identify trends and opportunities for improvement

• Processed loan applications and other paperwork in accordance with regulations

• Assisted with the annual audit by providing supporting documentation

• Managed customer loan portfolios, ensuring timely payments and tracking loan performance.

• Recovery of the loan accounts, mainly NPA accounts, suit filed cases.

• Allotment of business targets to branches.

• Monitoring performance of branches under key business parameters.

• Planning a well-structured Management Information System to provide various statistical and qualitative information

• Carrying out survey for opening of new branches / offices / ATMs / e-lounges Conduct of systematic SWOT analysis to improve market share

• Periodical Review / Analysis of the performance of branches against the set targets

• Critical analysis of reasons for non-performance

• Conducting various studies as advised by CO / HO, including study and review of loss making branches / low hit ATMs/PUMs/CAMs. etc

• Implementation of turnaround strategies and achieve bench mark level of business for Loss Making Branches

• Popularizing / marketing new deposit schemes and services introduced by the

• Providing all support to branches for improving tech products

• Conducting Branch Managers' Conference / Mid Term Review meets and other meetings

/conferences on aspects relating to Business Development

• Ensure speedy disposal of customer complaints received at RO

• Facilitating branches/CPHs to ensure opening of accounts on a real time basis

• Negotiated and managed vendor contracts to ensure the lowest cost of operations while maintaining quality

• Analyzed employee data to provide insights into trends in attrition, retention, and promotions

• Conducted exit interviews to understand the root causes of employee attrition and develop strategies to reduce turnover

• Supervisor in the Advances department attending to all the matters related to Fresh Advances (i.e. Retail, Agriculture, MSME & other Government sponsored schemes) including processing/recommending/ disbursing of Loan applications, conducting pre and post sanction survey, due diligence of the borrower/surety, inspection of securities charged to the Bank.

• Prepare credit reports

• Mobilize fresh business and actively participate in campaigns initiated by the management and achieve branch targets.

• Network to improve the presence and reputation of the branch and staying abreast of the market competition and provide feedback to the Bank for better market penetration and development of customized products as per market demand

• Handled customer complaints calmly and professionally, resolving customer issues in a timely manner

• Utilized customer segmentation and data analysis to identify upsell and cross-sell opportunities

• International sales of events & conferences, direct engagement with global companies' CXO's.

• Developed and implemented a customer relationship management (CRM) system that improved customer segmentation and targeting

• Built a strong network of contacts and partners that enabled the company to expand its reach and increase its customer base

• Managed a team of 5 sales representatives, resulting in a 110% increase in sales performance

• Conducted market research to identify new customer segments and generate leads

• Generated leads through cold calling and email campaigns, resulting in a 115% increase in sales inquiries