Santosh Ranjan
Mobile #+ 9958893497
E-mail :santoshranjan123 AT gmail.com
Career Objective :
I am looking to work in a globally based organization, wherein I can leverage my management & analytical skills and have opportunities to gain international experience within the finance world.
Career Summary :-
** Having 13+ years of experience in the field of Banking.
** Providing various Banking solutions to various strata of customers as per there Banking need.
** Demonstrating excellent customer services and achieving highest level of customer satisfaction.
** Sales of various Banking products CASA, Loans and Third Party Products Insurance and Foreign Exchange services.
Work Experience :
Designation :- Branch Manager(Retail Branch Banking)
Shivalik Mercantile Cooperative Bank Limited :- (20-10-2014- Till date)
Job Description : As Branch Manager
My Job Responsibility Includes :-
** Team handling and management, and responsible for managing the Branch Profitability,
** ensuring high quality service and Customer Relationship Management
** Ownership for all branch-banking objectives and overall branch supervision
** Ensuring achievement of overall Branch Targets by generating business and cross sales
** Key Customer Relationship Management & supervision of all High Net Worth customer programs
** Ensure all components of the branch sales model function as per organizational perspective.
** Complaints Handling
** Review of Branch Operations reports
** Branch Merchandising & co-ordination with Marketing at product level
** Review vault register, Review of Suspense & Dummy accounts
** Ensure compliance with Banking rules, Regulations & Procedures
** Periodic review of progress vs. objectives
** Ensure clarity of Business objectives among staff
** Business development for advances product and monitoring thereof for Renewal, CIBIL & Cersai Entries, Insurance and timely payment of EMI so that non of the accounts turn out to be NPA.
** Maintaining highest degree of operational excellence as per laid down standards of Bank.
** Handholding and guidance of the Branch staff such as :- There training, allocation of the targets, Rating and evaluation of subordinates based on the target achievement.
The Shamrao Vithal Co-Operative Bank Limited : (5th Nov'2012 to 13th May'2014)
Designation :- Asistant Branch Manager(Retail Branch Banking)
Job Description :- As ABM my profile includes
** Credit Appraisal of new customers for the loans products like Cash Credit Facility, Overdraft Facility, Letter of Credit, Bank Guarantee, Bills Discounting & Forex facility.
** Servicing of existing customers and acquisition of the new customers for the fresh loans portfolio.
** Coordination with the credit committee and Board members.
** Ties up with the corporate clients for the credit facility to assist them in their day to day activity.
** Carrying out Day to day activity in line with the laid down process and Circulars.
** Marinating health and hygiene to highest standard vis-à-vis organizational policy and RBI circulars and guidelines.
** Responsible to internal & external auditors for the various activities pertaining to general operations and forex related activities.
** Achieving highest level of operational excellence in line with organizational interest.
** Achieving set targets in order to meet organizational expectations.
** Mobilization of CASA business by New Customer acquisition and penetration into existing customer base for further enhancement of business.
ICICI Bank Ltd :- July2010 till 15th Oct 2012:
Designation :- Branch Operations Manager(Retail Branch Banking)
Job Description :
As a Branch Operations Manager my job profile includes following :-
** Carrying out Day to day activity in line with the laid down process and Circulars.
** Maintaining health and hygiene to highest standard vis-à-vis organizational policy and RBI circulars and guidelines.
** Responsible to internal & external auditors for the various activities pertaining to general operations and forex related activities.
** Achieving highest level of operational excellence in line with organizational interest.
** Achieving set targets in order to meet organizational expectations.
** Mobilisation of third party products like Insurance, Mutual Fund, Fired etc.
** Holding outdoor activity for business development like, Canopy, Direct meeting with residential society, Trsuts and small business entities.
HDFC Bank Ltd (Sep 06 till July2010) :
Designation :Teller Authorizor, Personal Banker, Internal Auditor (Retail Branch Banking)
Job Description :
** Carrying out Audit of various operational activities of the Retail and WBO Branches spread across North and Central Delhi and Haryana, as per the laid down guidelines of HDFC Bank Ltd.
** To review and monitor the various activities of the Branches.
** To find any act of the Branch staff which may lead to any reputational / Financial/ Operational risk exposure to the Bank.
** To prepare the Draft report of the Branches covering all the operational aspects, it- s in depth analysis vis-à-vis internal process of the Bank, evaluation of the draft report on the basis of compliance of the Branch with the internal circulars and process.
** Submission of the Draft report to the audit committee for the review and release there off.
I joined the Bank on 6th Sep 06 in the Retail Branch Banking division as Personal Banker cum Teller and I was posted at the Najafgarh Branch of the Bank.
My job responsibilities included :-
** Carrying out the day to day teller transaction at the teller counter leading to customer delight and satisfaction.
** Monitoring of the internal suspense accounts of the Branch on day to day basis.
** Monitoring and reporting of the large cash transactions on fortnightly basis to the controlling authority.
Preparation of the profiles of the customer vis-à-vis KYC information submitted by the customers.
** Monitoring and reporting the customer transactions which comprises of layering of multiple transactions and give rise to ample ground for the suspicious transactions in the customer account.
** Liaisoning with the currency chest for the cash management activity and also retention of the vault limits along with the approvals incase vault limit breaches the retention limit.
Achivements :
On the basis of my performance I was promoted as teller authorizer in the Najafgarh Branch.
Organization : AVIVA Life Insurance (Oct-05 July12, 06)
Worked as Financial Planning Consultant in Banc assurance (ABN-Amro Channel, Oct-05 - July12, 06) , which included the wealth management and selling the life insurance products to the customers of ABN Amro Bank.
Organization :ICICI BANK LTD.
Worked as Senior Relationship Exe in the Business Banking Division (Trade & FX).
I had to deal with business loans (Cash Credits/OD) &foreign Exchange (remittance), It required to maintain an ongoing relationship with customers.
Educational Qualifications :
Indian Institute of Finance-MBA(Finance)(02-04)
Ranchi University-B.Com(H) (2001)
IRDA Certified
NCFM Certification in Capital Markets & Derivatives Core Modules, AMFI Certified.
Computer Qualification :
MS Office, MS Outlook, MS Word, MS Excel & Banking Software- s. Like Finale, Finware, Flexcube, Geniys
Projects With MBA :
2Months J&K Bank, Delhi (April04-June04), A comprehensive appraisal of Liabilities product of J&K Bank & there comparative analysis with other banks
Personal Information :
Date of birth : 25-04-1980
Marital status : Married
Languages known : English, Hindi
Father’s name : Late J. C. DAS
Hobbies :listening to music, watching financial news & movies.
Address :- D-187 Kunwar Singh Nagar Nilothi Crossings New Delhi-110041
Declaration :
I hereby declare that the information furnished above is true to the best of my knowledge.
Date :
Place :