To work in a globally competitive environment on challenging assignments that shall yield the twin benefits of the job satisfaction and a steady-paced professional growth.
Professional Profile :
B.com with 8 years of experience in Banking Operations, NBFC, Audit and Team Management with well known organisations.
Presently Working with HDFC Bank Ltd, Chennai as Assistant Manager-Retail Branch Banking
Working as PB(personal Banker) – Sales for the last one year.
Worked in Clearing, CMS, Demat, Gold Loans.
Knowledge in handling banking operations identifying improvement areas and implementing adequate measures to maximise customer satisfaction level.
Experience in cementing healthy relationship with the clients for generating business and accomplishing corporate goals as per the policy.
Possess excellent interpersonal, communication and analytical skills with demonstrated abilities in team management & customer relationship management.
Also taken up the projects of New Branch Launch and worked in the Locations like Villupuram, Pondicherry and Chennai.
Areas of Expertise :
Banking Operations :
Have Handled - Gold loan Operations
Clearing
CMS
Credit Card Operations
US Visa
CBDT
Depository Operations
Retail Assets – Two Wheeler Loans and Auto Loans
Retail Liabilities – Account Opening.
RTGS
Resolving all queries of the customers related to CMS& Clearing other products of the bank.
Administering the Clearing and CMS Activities.
Managing branch dummy account reversals and ensuring the suspense accounts tally by EOD.
Customer Relationship Management :
Managing all customers of the bank and ensuring satisfaction to the services provided.
Identifying& networking with prospective clients from new / existing accounts and achieving increased sales growth thus catalyzing profitability.
Team Management :
Training the team members about the process, and importance to the Customers queries handling and ensuring smooth operations.
Creatingan environment that sustains and encourages high performance; motivating teams in optimising their contribution levels.
Job Profile :
Working with HDFC Bank Ltd, Chennai as Assistant Manager-Wholesale Banking Operations since Jan’08
Accountabilities :
Have worked in the Loan Against Gold Loan Department from Jan’08 to Sep’08, processing of Loans and Crediting the Customer.
Worked as a Unit Head in HDFC BANK Ltd – Villupuram From October 2008 to October 2010 and Handling the Clearing and CMS Activities.
DD and payout issuance at various locations.
Monitoring suspense accounts and sending MIS to senior manager.
Maintain continuous customer engagement through customer visits / contacts, and proactively resolve customer issues / queries
Lead a result oriented team and is responsible for managing the Branch Profitability, ensuring high quality service and Customer Relationship Management
Review Branch Operations reports
Supervising all Non-Cash transactions like DD/MC, fund transfer etc
Corporate salaries processing
Handled Clearing Operation like Outward Clearing ,Inward Clearing ,Outward Returns, Inward Returns , RBNL and LBNR
Maintenance & safe keeping of records / vouchers pertaining to the unit
Maintaining good relations with other business groups, Clearing House and other bankers.
Processing of transactions within the specified TAT. Maintenance & monitoring of suspense accounts and reports.
Daily reconciliation and management of funds in Nostro (clearing) account maintained with SBI
Joined in HDFC BANK Ltd – Pondicherry and taking care of CMS, Clearing, Gold Loans, DP and RTGS.
Have taken the additional responsibilities and learned the BTI Operations Retail Asset Operations and Retail Liability Operations in short period and processing have been done without any deviations and implemented the same in the Cluster Branches.
Trained the staffs in Retail Assets and Liability operations in order to run the operations Smoothly during Staff Exigency and also taken care of deputations in Cluster Branches.
Coordinating with company registrars for any BTI related issues raised by the customer.
Monitoring all local returns and outstation returns are attached and dispatched to the respective branches and also cheques are handed over to the customer’s without any delay.
Administering non receipt of Return cheques mails sent to respective branches on daily basis and doing regular follow-up.
Presenting timely MIS to the Manager and Cluster head.
Achievements :
Trained the Staffs in all aspect of the Operations.
Undertaken 5S audit and received appreciation by senior management.
Successfully Implemented the 5S in New Branches and Got Certified.
Lead generating to the Branch in the Products like Insurance, MF and RD.
Successfully Conducted the Blood Donation camp at Villupuram Branch every year.
Worked with Sarvodaya Nano Finance Ltd.,Chennai (NBFC – Micro Finance Institution) as Executive – Internal Audit and Methods from Nov’05-Jan’08.
Accountabilities :
Internal Audit of all our Trusts in TamilNadu, Rajasthan, MadhyaPradesh, Bihar and Jharkand
Carried out the Audit Process as per the requirement of the Management and ensure that there is no deviation
All the reports were submitted to the Management and necessary actions were taken to resolve the queries.
Achievements :
Coordinated and conducted many training programs in all the levels like CEO’s of the SMBTs, Manager - Business Development, Accountants, Computer Operators and Field staff.
Identifying the Defaulting the SHG’s and collected the recovery amount which was pending for payment .
Arranged the training for SHG’s in Micro Enterprises Business and Handlooms.
Participated in the training program on “Risk Management in MFI” conducted by the EDA
Rural Systems at Hyderabad.
Worked with Ms.RTC Logistics Ltd., Chennai as Junior Officer – Accounts from May’05 - Nov’05
Accountabilities :
Data Entry of Bank Book and Cash Book of Branches all over India
Ledger Analysis
Collection Entries
Preparation of Bank Reconciliation Statement for all the Branches once in 15 days.
Worked with K C Jhabakth & Co Chennai as Audit Assistant from April’04-Apri’l05.
Preparation of Vouchers, Maintenance of Bank book, Cash book, Petty Cash Book.
Updating data in Tally and Focus and taking necessary Account statements Liaison with Bank
Preparation of Bank Reconciliation Statement of Clients once in 15 days
Maintenance of Files, Registers, Bank statements, providing required data to Auditor.
Filing returns at Income Tax office, preparation of PAN application and obtaining
Academic :
B.Com from Sriram College of Arts and Science, under Madras University in 2004.
Secured second division.
Computer Skills :
Tally 6.3
MS Office.
Extra Curricular Activites :
Active Member of NSS and Participated in the“Youth for Cleanliness” Special Camp Organized by the and National Service Scheme (NSS) of Sriram College of Arts and Science held at KOTTAMEDU
Member of Lions Blood Bank and Donating the Blood at regular intervals.
Date :
Place : Chennai Signature