Objective
Analytical problem solver with strong customer relationship management skills, with an ability to take direction of a team and handle multiple tasks and works well in the team. I am looking forward to meet any challenge that may come in my path with a very keen interest to learn more about the exciting field of Profit center management and Back Office.
SYNOPSIS
. A competent professional with around 4 years of experience in FMCG (1.8years) and Financial sector/Banking operation (2.1yrscash management, entire clearing, ATM reconciliation, IPO handling, Demat Accounts, business development, client servicing and people management, Hands-on executive with expertise in accounting systems development, and financial reporting, proven record of developing and accounting and implementing financial and operational controls that competitively position firm.
. A proactive leader and planner with expertise in market plan execution account management, pre-sales efforts with skills in P&L management, competitor and market analysis, staffing, management reorganization and targeted marketing.
. Expertise at assessing creditworthiness & analyzing loan requirements of clients for sanction of Loans.
. A skilled communicator with exceptional presentation skills and abilities in forging business partnerships in markets, lead cross-functional teams and establish beneficial relationships with key players in the industry.
ORGANISATIONAL DETAILS
Since May’08 working with IndusInd Bank, Malda Branch as Manager Customer Service and Operation
Working on kapti
Operations Management
Managing the process of Cash Payment, Receipt, Remittance, Inward and Outward Clearing Process.
Handling various general banking operations viz. Opening of Fixed Deposit, Closing of Savings account, Current account, RD account, fixed deposits in the branch itself.
Value dating for Fixed Deposit up to 30 days can be approved by Branch Head. Beyond that it will be approved by Regional Head.Contains the list of cases having exceptions( e.g. any activities pending beyond the End of Day, or if charges for the entry (like DD/PO) have been changed etc.
list of accounts going into Debit balance. Details of Inward Clearing instruments that are being dishonored. Reconciliation entries are followed up with clearing house if anything pertains.Office Accounts are monitored on every day. List of activities that need to be done and updated on a daily basis. Inventory report taken out from kapti, and account opening kits,(Debit cards etc will be verified with physically. . DD requests. Mobile alert requests.Cheque book requests. Address change requests.
Locker
Locker is operated with SDLS (Safe Deposit Locker System) application and register is maintained for operational activity.
Outward Clearing
Outward cheques (Other Bank Cheques) deposited by the customer taken for outward clearing process. Outward Report is generated which is presented in clearing house. Warrant instruments are processed and liquidated through cash@will (A nucleus software product),CMS Cheque and CMS Cash entries made through centralized CMS application and submitted to central Processing Unit .
Monitoring activity on Fortnightly & Monthly basis
Report( for holding Cash in excess of Cash Retention Limit
Report of all deposits and withdrawals of Rs.10 lac and above
Report of Physical Cash verification as per mail from Corporate
Monthly Report of Complaints Received
Report of all escalated customer complaints.
Monthly accrual of Branch expenses submitted through internal portal.
Retail Banking Operations
Managing complete branch operations including ATM operations, providing complete range of banking services for smooth & complaint free branch functioning.
Ensuring compliance with the statutory requirements laid down under different Acts governing Banking Regulations.
Devising & implementing policies / procedures for all round development of the bank reducing overall costs to the bank through various means
.
Team Management
Training leading & monitoring the performance of team members to ensure efficiency in process operations and meeting of individual & group targets.
Creating and sustaining a dynamic environment to foster development opportunities and motivates high performance amongst Team members.
Client Relationship Management
Managing customer centric banking operations, forwarding customer instructions to the concerned department & ensuring customer satisfaction by achieving delivery & service quality norms.
Maintaining healthy relations with asset management companies for various funds serviced.
Interfacing with clients for understanding their requirements & suggesting the most viable solution and cultivating relations with them for customer retention & securing repeat business.
Business Development/Client Servicing:
Implementing competent strategies with a view to penetrate new accounts & expand exciting ones for a wide range of financial products/services with cross sell being a major focus area.
Involved in cross-selling of banking products to new & exciting customers to enhance product portfolio.
Assessing the customer feedback & evaluating areas of improvements.
Providing valuable feedback and views for customer help desk
Development & marketing of various business products of Bank to the customers and cater to their needs as per their requirements and increase profitability.
Credit and Advances:
Checking loan document with help of checklist & send to corporate office for verification
April’07 -May08 with UTI Bank (NOW KNOWN AS AXIS BANK) Moradabad Branch
as Executive-Operation
Worked Through Core Banking Solution (Finacle)
Clearing:
Handling entire clearing operations including inward-outward lodgements, verification, At Par Warrants, bill maintenance (lodgement, realization& recovery).
Cash Department:
Accurately managed a cash draw in Bank’s one of busiest branches at Moradabad main branch. Successfully handled entire cash operations such as receipt, payments, remittances, maintaining payment of all vendor bills, issuance of DD & PO, safely handled all inventories (DD, PO, Chequebooks, travelers cheques, Foreign payable DDs), General ledger, trial balance, financial statements, expense analysis, tax reporting, cash flow management, bank reconciliation, Crystal reports and spreadsheets. Process transactions for personal and business customers and provide information regarding bank services. Execute complex transactions and use the computer to enter deposits, payments and withdrawls. Member of team that reduced customer wait time while efficiently processing transactions and selling additional services. Entrusted with handling safe deposit, vault, ATM, bonds/coupons, and night-drop activities. Always balanced cash draw at close of shift. One of only two officer’s who held a set of vault keys.
IPO & Demat:
Successfully reconciled IPO’s UTI Contra Fund, UTI Leadership Equity Fund, UTI Infrastructure fund, punching demat slips in demat software & opening of demat accounts.
CMS:
Handled cash management services of clients such as Aviva, Bajaj Allianz, UTI Mutual fund, Deustche Bank, Max New York Life, Shaadi.com, Indusind bank, DTDC, ING Vyasya
Reliance life insurance.
Participated in all training opportunities. Recent courses include principles of banking operations, bank security, teller equipment, banking regulations, and customer transactions.
Selected by management to train and mentor two new officers-all continue to work and excel in their positions.
FOREX:
Handling foreign currencies and tarvellers cheques, coordination with corporate and banks for purchases or sales of currencies, processing of FIRC, Bill of lading, GRE, Invoice Advices, Letter of redit,Swift,TT,Inward and outward remittances.
Achievements:
Conducted forex operations as per RBI guidelines and maintained good audit ratings.
Always provided good service to customers, for their foreign currency requirements and developed a good relationship with everyone.
Marketing:
Selling of MetLife insurance co product, Bajaj allianz general products like health, car, and jewellery products, Mutual Fund of various companies.
Four sales Executives is reporting to me on Daily basis
Dec’05-April’07 worked with India bulls as Management Trainee
The Key Result Areas
Marketing
. Implement competent business strategies to market a wide range wide range of banking & products and achieve pre-set sales and profit targets.
. Explore potential business avenues to penetrate new accounts and expand existing clientele; negotiating and finalising terms & premium rates.
. Conduct market research activities and track competitor’s moves and provide valuable information to the top management for fine tuning the selling and the marketing strategies.
Operations
. Handling opening Demat Accounts, Co-ordinating with Branch Manager/Report to BM.
. Co-ordianting database generation.
. Interacting with the dealers and distributors to assist them to promote the product.
Client Relationship Management
. Identify and network with prospective clients including SMEs, generating business from the existing accounts and achieving profitability and increased sales growth.
. Build & maintain healthy business relations with high net worth and corporate clients, ensuring high customer satisfaction matrices by achieving delivery & service quality norms.
Follow -up with clients with activities like Complaint resolution, Query / Instruction pre-processing, Suggest opportunities for improving work-flow.
July’02-Feb’04 Worked with Lucky Confectionary (P) Ltd as Sales Trainee.
. Making new SEs (Small Entrepreneur) across the district for catering direct customers and expanding the distribution network with a team and coordinating sales in Patna District, Bihar.
. Analyzing the performance of all products of LC in the district and recommending areas for improvement and ensuring proper execution of marketing plans.
. Exploring the avenues of creating a strong brand image in rural areas.
Conducting SE s meet, to create a strong understanding about LC and its range of products.
. Managing redistribution stockiest in different villages in territory and to ensure product availability and visibility of products in outlet to achieve primary and secondary sales target.
. Promoting new brand in the mind of retailer and customer.
. Expanding customer list, improving coverage & customer orientation and enhancing overall business development activities through teamwork.
INDUSTRIAL TRAINING
Organisation : Whirlpool of India Ltd
Designation : Project Executive
Duration : Jan 05 to Feb 05
Role :
. Handled Promotion of Institutional Sales & Dealers Network & Sales Promotion
. Co-ordinating with Sales team manager for enhancing sales & Service Department
. Trained Retail Executives.
Title : Survey of Sugar Confectionery Product
Organisation : Lucky Confectionery (P) Ltd.
Duration : Dec’04-Jan’05
Description : Identified the new locations, areas where the Company may sell their Products and specifically find out the channel Partners for the company, promote the products through those channels.
Title : Sales and Marketing Function (Market Research and Sales Promotion
Organisation : Dabur India Limited, Delhi
Duration : May’05-23 Jul’05
Description : Identified competitors in Ayurvedic Products,Market share through
Promotional tools, Price difference between Dabur and their competitors, what Promotional activities had adopted the competitors, Consumer’s perception about Dabur and also channel partner and suggestions.
ACADEMIC PROJECTS
Title : A Study of Sales Promotion tools and its effectiveness to increase demand of Pepsi with reference to Pune city.
Duration : Jan 06 to Feb 06 Team Size: 6
Description : Study of Sales Promotion tools and its effectiveness.
Title : Brand Awareness and Insurance need analysis calculation o of people associated with Medical Field, Pune city.
Duration : Aug 05 to Sep 05 Team Size: 6
Description : Study of Human Life Value.
Title : Product and Services of Private Bank (ICICI Bank) in Comparison of Nationalized Bank
Duration : 1 week Team Size: 4
Description : Difference between Private Bank and Public bank products
ACADEMIA
. Master of Business Administration (Marketing and CRM) from I.M.E.D, BHARATI VIDYAPEETH DEEMED UNIVERSITY, PUNE with 63% in 2006.
. Postgraduate Diploma in Financial Management (Finance) from IMED, BHARATI VIDYAPEETH DEEMED UNIVERSITY, PUNE with 66.6% in 2006
. Advance Diploma in Computer Application from Centre for Technical Training.
. One year Computer diploma E-Career Course from Paradigm Info ways 2002.
. B.Com (Accounts) Hons from PATNA UNIVERSITY, PATNA with 62% in 2001.
BEYOND CURRICULUM
Participated in
. 4th Bihar Commerce Development Association, Quiz Competition 2000.
. College Quiz Competition 2004, IMED Bharati vidyapeeth Deemed University, Pune.
. College Case Competition 2005, IMED Bharati vidyapeeth Deemed University Pune.
PERSONAL DETAILS
Date of birth : March 1, 1981
Permanent Address :
Tel :
Issuing Place : Patna
REFERENCE
Provided on Request