Regional Manager
Indusind Bank
Total years of experience :20 years, 8 Months
Complying banking requirements of large PSU bodies & Government undertakings.
Account acquisition and retention of Government business, Co-operative, LIC & TASC business through branches.
Recruiting, training and proper tracking of Relationship Managers for business development.
Prospecting and exploring new business relationships.
Handling Institutional & Financial products such as fixed deposits, current account, savings account, OD & Loan.
Expanding overall business volumes within the assigned geographic area.
Proper tracking and coordination with banks branches for client servicing and related business.
Increasing banks Revenue and overall banks book size.
Timely reporting of inflows/outflows to treasury & NTBs to CO Team.
Timely submission of monthly pipelines.
Meeting quarterly and annual budgets set for the year.
To manage the government, institutional, trusts and societies accounts.
Handling various products like CASA, OD, CC, term loan, LC, Assets, etc..
Regular follow-ups of existing as well as new clients
Generating revenue to the bank & there by increasing the bank portfolio.
Joint calls with other groups and retail assets
CRM updation on daily basis
TOD monitoring, obtaining approvals for exception and book keeping
Monitoring CTI of clients, increasing the income and reduction of cost
Timely updation and renewal of CAMs
Timely updation of RM intimation for A/C, Assets, FD, BG, LC, etc
Periodic review of the actual Vs budgeted figures
To generate Personal Loan (salaried) business & to achieve on monthly basis benchmark targets and meet SM productivity norms set. Targets and productivity to be achieved by generating maximum po tential business in prime market location through branches, DSA and HBL channels.
Channel Distribution - Manage DSA, HBL, building new distribution
Branch activation for business and allocation of BDRs in branches linked to the Branch targets.
Branch Business- Working closely with branches and corporate for sourcing PL.
To meet branch cross sell targets.
Other important Product related parameter's : Yield \ COA \ And CRM
To reduce COA by maximum PSL booking, direct sourcing, good quality sourcing to reduce rejection which has direct correlation with cost of processing.
Ensure achievement of overall Branch Targets by generating business and cross sales
New borrower business through channel management
Existing borrower business through Call centre.
Key Customer Relationship Management
Ensure all components of the branch sales model function as per design.
Periodic review of progress vs. objectives.
Daily review of login, approvals, pending and disbursals on PL
Follow up with sourcing channels for logins and follow ups for existing cases
Cheque recon / Cheque printing / CSM Custodian
Driving the FO for achieving the branch’s Non Loan Ulip
Handling the extra responsibility of branch cash process
Teller operations: a) Cash hands-off & deposit under dual custody; with dual signatures on hands-off sheet b) Vault operated under dual custody c) Updating Vault movement register every time vault is operated
Cash Process: a) Have AML norms been adhered for cash receipts >=50k
Cash Process: Updating key movement register every time key transfers take place
Monitor i) TAT MIS ii) Error MIS iii) Documents Deficiency MIS iv) Data Entry Error MIS and take appropriate action
Responsible for recruiting, managing and motivating a team of Financial Consultants.
Business generation and Lead management.
Developing the Financial Consultants through regular on the job training.
Giving product training and awareness of product to the consultants.
Driving the team for achieving branch and self-targets.
Strong networking with dermatologists.
Achieve month-wise & annual sales targets.
Manage distributor Network, Inventory, out standings and receivables.
Motivate, guide, nurture and lead a team of management Trainees
University of Madras
UNIVERSITY OF KERALA
First class