AREA MANAGER - ZONE
IDBI BANK LTD
Total years of experience :24 years, 8 Months
Responsibilities
• Working as Area Manager - Retail Collections & Recovery for entire Mumbai Zone of IDBI Bank Ltd.
• Looking after Retail Collections & Recovery for the Mumbai Zone.
• Strategizing, planning and implementing various collections & recovery measures and their monitoring to minimize the NPA levels of the zone.
• Filing suits and effectively taking other legal actions against various defaulters of the bank.
• Taking possessions of the assets and executing auction of the assets in order to realize the overdues and outstanding loan amount, as a part of Securitization.
Responsibilities
• Worked as the Faculty for entire North Zone of IDBI Bank Ltd.
• Looked after the training and development of 9 states coming under the purview of Regional Training Center - North Zone.
• Identifying, nominating and dissipating training on banking products viz. liabilities (CASA), Third party product, income generation, Assets, business banking etc. and soft skills in order to ultimately groom them as more effective and efficient team members and leaders at their workplace.
Responsibilities
• Directing, guiding, mentoring staffs to motivate them to exceed targets on all parameters i.e. liabilities side (CASA number & Value), Third party product income generation, Assets, business banking etc. to ultimately realize a positive profitability.
• Motivating the team to ensure achievement of individual as well as organizational goals.
• Empowering the team with learning and delegation of jobs in order to groom and prepare the team members for higher responsibilities.
• Gracefully uplifted the goodwill of the bank with potential banking customers of the branch.
Responsibilities
• During November 2006 and February 2008, diligently served the role of extension counter head and steered the Business Unit with deposit base of Rs. 40.00 crore.
• During February 2008 and February 2009, effectively & efficiently handling a portfolio of Rs 700.00 crore (including CASA and deposits)
• Directed guided, mentored staffs to motivate them to exceed targets on all parameters i.e. liabilities side (CASA number & Value), Third party product income generation, Assets, business banking etc. to ultimately realize a positive profitability.
• Ascertained smooth functioning of Clearing, inter and intra bank cash settlements (RTGS and CMS), ATM network along with various initiatives being undertaken from time to time.
• Shown excellence in maintaining high level of customer satisfaction through close monitoring and follow up of all services rendered to the customers and the services related issues. Handling of all escalated customer queries & grievances and resolving them in efficient and effective manner.
• Maintained uncompromising focus to ensure effective control mechanism for successful management of risks associated with new age banking.
• Organized strategically & result oriented marketing activities to multiply the business exponentially.
• Proactively explored the new avenues of business through penetrating the competitors’ business base as well as grabbing the untapped market segments.
Responsibilities
• Proficiently and methodically monitored and analyzed the Branch MIS including profitability, transaction and quality reports in order to fix actionable to be followed on Monthly / bi monthly / weekly basis to close operational gaps and improvise on sales.
• Consistently ensured compliance for all statuary reporting on bi monthly basis and submitted the KYC check report.
• Faced audits with positive results.
• Directed guided, mentored staffs to motivate them to exceed targets on all parameters i.e. liabilities side (CASA number & Value), Third party product income generation, Assets, business banking etc. to ultimately realize a positive profitability.
• Intelligently and skillfully managed all escalated customer queries & complaints & swiftly resolved them to ensure minimum customer attrition and reinforced the relationship.
• Motivated the team to ensure achievement of individual as well as organizational goals.
• Empowered the team with learning and delegation of jobs in order to groom and prepare the team members for higher responsibilities.
• Gracefully uplifted the goodwill of the bank with potential banking customers of the branch.
Responsibilities
• Invested significant effort in achieving high level of customer satisfaction through close monitoring of operations & exception reports and follow up of all operation & service related issues.
• Capably controlled all office accounts and Bank Reconciliations on daily basis.
• Maintained uncompromising thrust on generation of all EOD reports and monitoring of all exceptions and irregular transactions as part of Audit Compliance.
• Strictly established satisfactory operations and audit compliance as prime important job.
• Logically imposed all statuary requirements complying with the RBI provisions stipulated from time to time.
• Accomplished the deployment and sustenance of a quality initiative launched by bank for better workplace management as Five S branch coordinator (part of kaizen).
• Accredited for continuously investing effort in regular tracking and analysis of various parameters related to quality and service standards, training of staff and engaging branch members for focused effort.
• Competently liaisoned with Corporate Office / Regional office and other Branches for all Routine banking issues.
• Forged favorable professional relationship with existing customers & directed the generation of fee based income through cross selling of varied products & services like Loans, Insurance, On-Line Trading, Mutual Funds & RBI Bonds etc.
• Exemplarily led a team of 27, making them competent enough to ensure achievement of individual & organizational goals.
• Profoundly acted as a competent back up for Branch Manager.
Responsibilities
• As part of the operations team of this business unit, pioneered the process improvement and all new initiatives to ensure smooth operations & high-quality but on-time deliveries.
• Directed all activities towards smooth and smart functioning and implementation of all activities required by senior leadership.
• As the head of customer care cell, thoroughly evaluated the quality of services being offered to the customers against their expectations in order to uplift the level of services offered.
• Strategically drove periodic business development activities, review and analysis of all important parameters against the budgets and aiming to proactively over achieve the targets.
• Largely contributed in back-office operations viz. Demat A/C opening & maintenance, dematerialization & rematerialization, securities transfers.
• Put sincere and result oriented efforts to minimize the dues outstanding of the branch.
Pursuing Certified Financial Planning
Advanced Program in Strategic Management
CAIIB & JAIIB
Master of Business Administration
Computer and Systems Management
Master of Science in Physics with specialization in Electronics.
Bachelor of Science with Specialization in Physics, Matematics and Chemistry.