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A result-oriented professional, accustomed

with overall functioning of banking processes,

seeking assignments in Banking

Operations, Business Development with

an organisation of high repute

Location Preference: Gulf/ Singapore &

India

Core Competencies

Retail Branch Operations

Business Development

Business Operations

P&L Operations

CASA/ Portfolio & Wealth Management

Cost & Feasibility Analysis / Process

Improvements & Digitisation

Regulatory Compliances and Audits

Credit Management

Growth, Revenue and Profitability

Portfolio Management

Delinquency Monitoring

Product Management

Customer Satisfaction and Retention

Training & Team Leadership

Notable Accomplishments

Across The Career

Achieved good audit ratings during RBCM

visits & internal audits of Branch

Boosted the GL size grows by 3X in FY20-

21 in Noida Sec 110 Branch

Emerged as the Top 3 Performer Personal

Banker in Noida Zone for xx performance

Bagged:

Top Position among BSP’s in NCR 2 in

2018

Academic Details

PGDM (Marketing Management) from

Ishan Institute of Management and

Technology, in 2011

M.Com from DAV (P.G.) College,

Dehradun in 2009

Graduation in B. Com from SMJN (P.G.)

College, Haridwar in 2007

Profile Summary

Achievement-Driven Professional with nearly 10

years of experience in Retail Banking and Business Banking to ensure smooth business acquisition

Managed branch resources i.e., operating staff, sales team as well as the relationship manager channel for business development and achievement of branch budgets

Setting & achieving branch sales targets in Liabilities Products, Third Party Products like Mutual Funds, Insurance and in Assets Products

Managed risk-based monitoring for unusual activity including detection, investigation, suspicious reporting to law enforcement agencies, documented the file with supporting documents

Approved new clients through due diligence procedures including the review of KYC documentation, public record research and AML procedures

Led measures taken to ensure smooth functioning of operations in the branch and facilitated xx branch audits Understanding of regulatory framework and pertinent regulations impacting corporate customers

Proactive and creative professional with a demonstrated record of achievement in conceiving & implementing ideas that improve operations and drive revenue

Work Experience

Since Feb’20 IDFC First Bank Ltd, NOIDA as Sales

Manager

Key Result Areas:

Achieving overall growth, revenue & profitability of the Retail Banking and other product portfolio by rendering support in operations & compliance, policy, systems and processes, marketing and driving sales

Generating revenue by monitoring the branch sales targets and strategize to acquire new accounts and expand existing accounts by offering various financial products and services to the customer

Cross selling and enhancing relationship with existing customer by selling of investment products like insurance & current account & saving account through generation of referrals from internal database

Supervising the marketing activities to ensure achievement of all objectives within allocated budget and determine all sales goals

Ensuring continuous development of new and innovative asset & liability products to meet the requirements of different customer segments

Building effective customer relationships and designing required business development call program

Adhering to all sales practices for branch and perform various training sessions for same and coordinate with sales associates to maintain all activity.

Leading operations of the branch by using knowledge on all bank products and services and resolving customer queries Attaining annual targets for branch set in AOP (Annual operative plan)

Conducting periodic portfolio reviews to implement appropriate investment options/products across asset classes for High Net Worth Individual (HNI) clients Maintaining strict vigilance on the quality of forms and documentation provided

PARAS KHAROLA

Career Timeline

IT Skills

MS Office & Internet Applications

Certifications

NISM

IRDA

Personal Details

Date of Birth: 8th Jan’86

Linguistic Abilities: English & Hindi

Present Address: Express Garden, Flat No-

409, Block -4, Indirapuram,Ghaziabad-201014

Since Feb’20

Jul’15-Jan’20

Nov’13-Jun’15

Sep’11-Nov’13

Highlights:

Showcased exemplary performance and bagged 5th rating in very first year of joining the organization

Bagged role elevation as a Branch Sales Manager in Flagship Branch Noida Sec 18

Jul’15-Jan’20 Yes Bank Ltd.,Karkardooma Delhi as

Branch Service Leader

Growth Path

Jul’15-’ Branch Service Partner(Assistant Manager) Jul’17-Jun’19 Branch Service Partner-Authoriser (Deputy Manager)

Jul’19-Jan’20 Branch Service Leader (Manager)

Key Result Areas:

Adhered to process & documentation standards (e.g. forms/checklists, welcome calling, approvals

Worked with the Business Managers/Business

Heads/Financial Control Team in preparation of any audit related deliverables i.e. internal /external concerning a transaction executed for a corporate client

Monitored transactions in the branch & maintain accurate / strong MIS for the branch

Ensured frequent monitoring of over-aged cases (deferrals, pending items, etc.) & appropriate escalation of the same in a timely & balanced manner to the senior management. Improved the quality customer service is provided at all counters, Lobby Management, Queue Management

Attained goals & key performance indicators for direct reports and ensures effective implementation of the performance management process in the section

Worked on new products, processes or systems that may impact clients

Managed branch audits by internal, external, concurrent, and statutory & RBI auditors effectively

Conducted self-audits in the branch (e.g. weekly sweep audit) and brings any anomalies to the notice of senior management along with mitigating steps initiated

Mentored team by presenting guidance, ongoing feedback, coaching & development opportunities to individuals to enable achievement of the defined goals

Streamlined risk policy & processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by the CST

Highlights:

Merit of being qualified for:

o ISTP-Moscow in JFM-2019 on Investment Products

o DSTP-Kerala in AMJ-2017 in March Dobara Contest on Investment Products

Entire Investment contest in FY-2017-2018

Bagged:

o Top position among all BSP’s in NCR 2 in the month of May 2018

o I-Pad in I & I Battlefield Contest Drive by BBH in 2016 Previous Experiences

Nov’13-Jun’15

IndusInd Bank Ltd., Noida as Customer Service Manager Sep’11-Nov’13HDFC Bank Ltd., Noida Branch Banking as Assistant Manager

Highlights:

Bagged recognition as an “Excellent Performer” by HDFC Bank for achieving 100% target

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