Megha Mittal

Its a BIRLA group who are in Fertilizer and many other verticals across the world. They have Fertilizer company name which is known as Zuari Ferto and very famous and well know group. They have started Real Estate Vertical and build quite good projects in Mysore and Goa. Their target is now UAE-DUBAI and waiting for a Luxurious Project in Downtown.

executing Sales and Targets given for Home Loans, Mortgage, implementing strategic marketing plans, sales plans and forecasting to achieve corporate objectives for all products and services and responsibilities included:
•Achieving Sales by meeting new clients, Real Estates agents.
•Achieving satisfactory Targets alone as well as by my team members.
•Participating in kiosk activities or any other programs designed by my company and get the new customer acquisition, plus generating the revenue to increase the sales.
•Achieving Sales by meeting new clients, Real Estates agents.
•Drive Sales strategies to build and maintain adequate pipelines.

Business Development Manager for Developing & implementing strategic marketing plans, sales plans and forecasting to achieve corporate objectives for all products and services and responsibilities included:
 Achieving satisfactory profit/loss ratio and market share in relation to pre-set standards and industry and economic trends.
 Establishing and maintaining relationships with industry influencers and key strategic partners.
 Guiding & preparing directs market channel development activity and coordinates sales distribution by establishing sales territories, quotas, and goals of marketing activity reports and presents to executive management.
 Establishes and maintains a consistent corporate image throughout all product lines, promotional materials, and events.
 Directs sales forecasting activities and sets performance goals accordingly.
 Directs staffing, training, and performance evaluations to develop and control sales and marketing programs.

for Gold Loans, FPD’s, Insurance, Mutual Funds, Home Loans, Loan Against Property (LAP), Equities, Commodities, Loan on Healthcare Equipment, NCD, NPS, Fixed Deposits etc. Responsibilities included:
•Verification of Jewellery and related application documents, including KYC.
•Post approval disbursement of loan amount.
•Timely reminder to customers regarding interest payments and recovery of interest, penal interest, loan processing fees, other charges.
•Safe custody of Vault keys, jewellery and cash.
•Release of Jewellery in case of repayment of loan and during audit.
•Rendering quality service and timely resolution of customer’s complaints.
•Business Development & Brand Marketing:
•Providing effective feedback to Senior Management on new business opportunities, competitor performance and strategies, business trends etc.
•Maintaining database of potential customers, regular updating and follow up.
•Boosting the morale of branch employees for better productivity.
•Inculcating the habit of door to door marketing among branch employees.
•Spreading awareness about the company’s policy and procedures and conduct on field training for branch employees.
•Administrative Responsibilities:
•Maintenance of records including vault cash registers and cash denomination registers, as per company policies.
•Implementing audit recommendations.
•Performing surprise cash verification.
•Periodic Verification of Security alarm system and smooth functioning of branch assets and facilities.
•Performing other duties as advised by the Area/ Territory Manager.

• Handled queries, complaints and Waiver of charges on case to case basis related to credit cards.
• Providing customer satisfaction and obtaining feedback on phone/ Customer Commendation Letter.
• Providing agents reports for queries handled by CSA over the phone to the CSA’s unit Manager.
• Senior Process Analyst in Business Cards & Bank Cards process
• Handling queries on Credit Cards, Business Cards and Clients are of Citibank USA.
• Processing payments and settling disputes with merchants regarding erroneous charges.
• Effecting Balance Transfer sales during customer interaction.

• Checking banks Nostro Statement. (Passing entries, Covering letters, A3 forms and RTGS Reporting’s)
• Nostro Follow ups vide SWIFT for several items such as O/W remittances returned and reconciliations.
• SWIFT Payments for FCNR/NRE accounts and pre-closures.
• HOTT’s Entries and payments vide RTGS/LPO or DD along with Covering Letters.
• Head Office I/W TT’s and credit to NRE/NRO Accounts on priority basis.
• Preparing HDFC DD Funding sheet for the preceding day and sending RTGS and email of the list to all concerned.
• IRTT, ORTT, Reporting of IRTT, ORTT, RTGS, NEFT, Entries in ISBS and Smart soft, Printing Advices of IRTT and FIRC. SWIFT confirmation to customers.
• Preparation of ORDD, FRDD and sending advice of drawing by SWIFT in all currencies including USD, GBP, EUR, AED and INR.

Registering the clients managed by IBD division of Citigroup in Citivision; maintaining the coverage team (ie. Bankers covering the clients) via Citivision; etc.
•Providing 1st line of support globally to all the Citigroup bankers (IBD, GRB, EMCB, GTS, etc)
•Manage support calls, user set up, new client creation, Company concordance, compliance report production, special projects, Shift Schedule, Daily Report; Pivots for report, MIS