Rajesh Kumar Maheshwari

I joined Standard Chartered Bank on August 07th, 2007 as Bancassurance financial consultant. I was assigned to different braches. In 2009 I was promoted as Area Sales Manager for S-9 South Region for:

Responsible for Bancassurance business from Standard Chartered Bank (SCB) South region S-9

Ensure maximum generation of business by paying regular visit to bank branches and expedites the progress in business

Handle product related queries and give informal trainings and motivation to Personal Financial Consultants and Relationship Managers.

Finally in Nov '09, the Wealth Management was tranformed into Consumer Banking and I was enrolled a new designation as Relationship Manager.

I was responsible for:
* 7Mn Incremental CASA
* 5Mn Time Deposit.
* Banca 125K
* Investment 500K etc

Besides this, in service part:
* Customers a/c updation
*LCY & FCY
*Remittance
*TD's rollover/Upliftment
*Interaction with treasury on daily basis.
*Conversion
*Certificates.
*AML

1. Identifying the customers requirements, Prospecting it, & presenting the solution matching their requirements to make a sale;

2. Maintaining and developing relationships with existing customers by regular meetings phone calls and emails;

3. Converting meetings with potential customers to prospect for new business;

4. Acting as a contact between a company and its existing and potential markets;

5. Negotiating the terms of an agreement and closing sales;

6. Gathering market and customer information.

7. Representing the organization at trade exhibitions, events and demonstrations.

8. Negotiating on price and costs, delivery and specifications with buyers and managers.

9. Challenging any objections with a view to getting the customer to buy.

10. Advising on forthcoming product developments and discussing special promotions.

11. Liaising with suppliers to check the progress of existing orders.

12. Checking quantities of goods on display and in stock.

13. Recording sales and order information and sending copies to the sales office.

14. Reviewing your own sales performance, aiming to meet or exceed targets.

15. Gaining a clear understanding of customers' businesses and requirements.

16. Making accurate, rapid cost calculations, and providing customers with quotations.

17. Feeding future buying trends back to employers;

18. Attending team meeting and sharing best practice with colleagues.

Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.

Monitor financial market trends to ensure that plans are effective, and to identify any necessary updates.

Review clients' accounts and plans regularly to determine whether life changes, economic changes, or financial performance indicate a need for plan reassessment.

Explain and document for clients the types of services that are to be provided, and the responsibilities to be taken by the personal financial adviser.

Answer clients' questions about the purposes and details of financial plans and strategies.

Recommend strategies clients can use to achieve their financial goals and objectives, including specific recommendations in such areas as cash management, insurance coverage, and investment planning.

Research and investigate available investment opportunities to determine whether they fit into financial plans.

Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, or other information needed to develop a financial plan.

Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills.

Contact clients periodically to determine any changes in their financial status.

Prepare or interpret for clients information such as investment performance reports, financial document summaries, or income projections.

Implement financial planning recommendations or refer clients to someone who can assist them with plan implementation.

Build and maintain client bases, keeping current client plans up-to-date and recruiting new clients on an ongoing basis.

Sell financial products such as stocks, bonds, mutual funds (defensive, cautious, income, blue chip, guranteed accumulation etc etc)

Conduct seminars or workshops on financial planning.

I joined Tameer Microfinance Bank on Mar 06 as Sales Manager for Saudabad Malir Br. My core responsibilities were:

* To meet monthly target by 300 loan application
* On monthly basis, disbursement of loan with the target of 12 Mn
* Understand and execute the unbanked customers’ brief till the final stage.
* Providing top-pops for further enhancement in outstanding amount.
* Meeting the liability side budgeted numbers with 5Mn incremental deposit in a grass root level.
* Cultivate, nourished and educate to un-banked customers where no commercial bank was enetered in terms of finance.
* Suggesting a new TD on which up-front proft for the year.
* Over achieved the TD's monthly target every month.

Over 6 years of experience in diverse business settings as one of the successful sales professional:
* skilled in working independently and as an enthusiastic team player.
* A quick learner, able to absorb new material(LIMRA) with ease.
* A skilled listener and communicator, able to assess client needs and convey necessary information with clarity and conviction.
* Regularly complimented on quality of service and client satisfaction.
Initiative and uncompromising work ethich.
* Frist priority for fresh business for monthly/quarterly target achievement.
* Maintaining the persistency level till 90% as well as with fresh business.
* Referral sales
* coached and mentored individual new sales trainess to develop the attitude of a top salesperson.
* interviewed customers by assessing their needs and establish rapport while qualifying them for insurance plans.
* Cultivated excellent relations with customers and significant repeat business.