cluster manager and retail branch banking

Deputy Vice President & Cluster Manager

Objective Profile Overview

Achieve role and grade elevation in conjunction with the expertise and tenure of service in the Banking Industry and contribute with holistic efforts to promote and advance the Structure and Functions of the Organization

Enthusiastic Professional with over 24 years of experience showcasing ubiquitous capabilities in a wide spectrum of both Assets & Liabilities ranging. Well versed in Assets, Liability, TFX, CMS payment/ collection and sales of other financial products along with leading large size result-oriented Team. Excellent in mentoring members for ensuring the sales and operational efficiency; creating and sustaining a dynamic environment that fosters the development opportunities and motivates the high performance amongst the team members. Strong record of exceeding business targets year on year. Prolific relation builder, a good team leader, trainer & a motivator with superior written & verbal communications having exposure in Banking with renowned banks

Core Competencies

Brand Market Share Management Sales & Business Management Formulating Branch Launch Branch Potential Mapping Profitability Management

Audit & Compliance Management Operational Risk Management Client Relationship Management Team Management

Business Development

Professional Snapshot

December 2016- Present

February 2015- December 2016

October 2013-January 2015

June 2010- October 2013

May 2004- June 2010

May 2002- May 2004

August 1997—May 2002

AU Small Finance Bank Ltd. ICICI Bank Ltd.

ING Vysya Bank Ltd. Kotak Mahindra Bank Ltd. Citibank

HDFC Bank Ltd.

Non- Banking Experiences

Educational Credentials

Bachelor of Science 1995,

HNB Garhwal University, Dehradun AMFI Certified

IRDA Certified

IT Proficiency

Finacle FCRM

SQL Tool MS Office

Windows 9X, XP Flex cube

Career Overview

AU Small Finance Bank Ltd Jabalpur, M.P.; December 2016- Present

Deputy Vice President & Cluster Manager, Retail Branch Banking, Jabalpur

Lead a result-oriented team of 9 Branch Managers and approx. 90 branch staff for managing the cluster’s

profitability. Ensuring high quality services and customer relationship management.

During almost Six years of stint as Cluster Manager, have developed the retail franchise to 525 Cr GL in Liability and approx. 487 Cr of Retail & SME asset portfolios.

ICICI Bank Ltd Hindaun City, Rajasthan; February 2015- December 2016

Chief Manager I, Regional Head Sales

Managing Managers and Deputy Branch Managers of 8 retail bank branches with composite team size of 50 team members. Responsible for overall Assets & Liability targets (Business Banking, Retail Loans, CASA, Deposits & TASC) Investment Products and Assets targets of Cluster. Responsible for managing business of entire cluster and supervise service to all customers of cluster i.e. RL, Wealth, TASC, GBG and SME. Ownership of P&L of all the branches along with number targets from the branches.

ING Vysya Bank Ltd. Dehradun; October 2013- January 2015

Branch Head- Retail Branch Banking

To lead a team of motivated colleagues to achieve targets.

Defining strategies/policies with Cluster Branch Manager/Regional Head and their execution. Downloading organizational goals to the branch team. Key Customer Relationship Management & supervision of all HNI customer programs. Periodic review of progress vs. objectives, ensuring clarity of business objectives amongst staff. Own all branch-banking objectives and overall branch supervision

Kotak Mahindra Bank Ltd. Ambala & Udaipur; June 2010- October 2013

Assistant Vice President & Branch Head- Retail Branch Banking

Lead a result oriented team and to own responsibility for managing the branch profitability, ensuring high quality service standards. Own all coordination with various verticals in the organization.

Handling different Channels for sourcing highest quality business for overall growth of Fund and Non-Fund Base asset portfolio of Branch.

Citibank Ltd. Vapi, Gujarat ; May 2004- June 2010

Branch Operations & Service Head: HR Grade-R

Branch compliance and service quality. Handling of NR Desk and Trade & Forex transactions. Cross sales and reference generation from the NR clients.

Taking care for LC, BG, BC, TL, Cash Credit and other short term and long-term borrowings. Along with FOREX, Treasury Deals & FD.

HDFC Bank Ltd., Baroda; May 2002- May 2004

Assistant Manager- Teller Authorizer

Authorizing account opening forms and solving queries. Promoting direct banking channels. Cross-selling the various products introduced by the bank from time to time. Solving queries related to outward clearing. Tallying branch GL and dummy accounts. Handling Lockers. Audit reviews.

Thomas Cook (I) Ltd. Ahmedabad; February 2001-may 2002

Spearheaded overall branch operations; efficiently monitored & supervised functions related to cash, clearing query desks and submission of various reports/ returns to regional/corporate office

Pivotal role in generating sales leads and motivating subordinate officials to contribute towards increasing business besides doing the normal operational works

Jet Air Ltd., Ahmedabad; November 1998- February2001

Exhibited excellence in monitoring audit compliances for all branches under cluster/region for processes like:

Cash, Clearing, Anti Money Laundering, Transaction Processing, Forex, Credit Submission of Returns to Regulators

like RBI, Income Tax Authority, etc.

Provided assistance in setting-up various processes in new branches as well as conducting periodical audits at various branches and subsequently reporting to Zonal / Corporate Office

Crosslands Ranbaxy Ltd., Mehsana, Gujarat; August 1997- November 1998

Demonstrated skills in efficiently handling a gamut of functions like:

Ensuring Business Development of the branch, meeting annual sales target in terms of deposits/ revenue, etc.

Monitoring/coordinating day-to-day Banking Operations including Cash/ Clearing/Statutory Compliances, etc.

Reporting to regional office/corporate office on a regular basis

Handling customer queries/complaints & resolving the same

PERSONAL DETAILS

Date of Birth: DOB- 12th September 1975

Languages Known: English, Hindi

Permanent Address: Jabalpur, Madhya Pradesh

Achievements

Launched and established 9 branches of the bank in Mahakaushal & Bundelkhand areas of Madhya Pradesh.

Monitored Product Awareness development and infra readiness of branches.

During almost Six years of stint as Cluster Manager developed the retail franchise to 395 Cr GL out of which around 390 Cr is pure retail casa and deposits. Added to the tune of 60 thousand retail customers, ranked amongst top clusters in third party products and assets cross sales.

Secured a position amongst the top 3 winners of the National Contest “Break- free” in the year 2016, parameters included TPP cross sales, Gold Loan and Deposits in ICICI Bank.

Surpassed annual targets for 2015-16 in ICICI Bank for every parameter like assets, liability, TPP and fee income, all parameters were met, became the most productive cluster in the enire Jaipur Region for RIBG vertical.

Added 25 active Trade & Forex customers, scored highest revenues in T&F in the cluster and region of Kotak Mahindra Bank.

Citibank Adjudged “Shooting Star” twice for the contribution in servicing NR clients and cross selling them while maintaining excellent compliance score. Facilitation happened at Gurgaon and Thailand respectively.

In Citibank, Won “Service Star” thrice. Won contests for Goa (twice) and Pondicherry for ensuring highest persistency in life insurance renewals.

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