Kurien Joseph

- Overseeing Retail / wholesale Liabilities of Private Banking Wealth Vertical 

Managed Corporate & Institutional Liabilities division for Chennai/Kerala and 7 regions, as State Head overseeing Corprate Liabilities, CASA, salary, and cross-sell strategy

- Developed and implemented successful cross-selling strategies to increase liabilities product penetration and overall profitability

Handling Private Banking, NRI banking, CASA, FCNR, Private Banking, Portfolio  and Advisory, Regional Sales, NTB  

Cultivating a thriving wealth management business, achieving a remarkable AUM growth of 800 Cr.
Spearheading successful initiatives like Bancassurance and Fee Income generation, maximizing revenue streams.

Building and nurturing strong relationships with key accounts, including CXO clients.

Heading 7 regions

o Successfully handled a customer base of over 2000 with a book size of over USD 1B and increased the footfall of priority customers to 100%
o Enhanced the growth rate from 18% - 100% year on year in Fee Income
o Headed as the One among Top 3 Relationship Managers - PAN India (YTD Bancassurance / Fee income)
o Received a Certificate of Excellence for Bancassurance
o Member of the Exclusive GM’s Club
o Improved Product Per customer of Priority Clients from 1.5 to 3

o Successfully devised sales plan that augmented the regional performance for the FY 13 - 14 and increased the business by 23%, further providing an entry into the GM’s club
o Successfully drafted the annual report of the bank for FY 12-13
o Redefined the bank processes and policies that resulted in USD 60M income in the entire 'service charges' of the bank
o Played a key role in reducing the turnaround time for mobile banking from 6 days to 2 days by resetting the work flow definition and process
o Instrumental in developing customer retail score card as part of a 2 member team for cross sell & up sell
o Implemented new insurance scheme for enhancing customer base coupled with 10 outsourced resources, using marketing collaterals including corporate logo, circulars, advertisement & insurance marketing policies
o Assisted the Regional Head in preparing performance appraisal reports of over 350 staff and successfully coordinated CSR Marathon Run in the Region
o Delinquency of Arrear Accounts dropped by 25 % due to regular follow-ups and branch visits
o Successfully convened and coordinated various HNI customer meets for MD & CEO