Sheeja Kuriakose

Responsible for the administration and efficient daily operation of a full service branch office, including lending, product
sales, customer service, and security and safety in accordance with the Bank objectives.
 Enhance and contribute in the growth of the company through Business Development
 Provision of a superior level of customer relations and promotion of the sales and service culture through coaching,
guidance and staff motivation
 Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship
 Maintain AOP (Annual Operating Plan) for the financial year i.e. to prepare and track product (liability, assets and fees)
wise Weekly/monthly reviews for outbound and as well as for inbound sales
 Prepare and review monthly activity calendar of outbound activities for BSM/SOs on a weekly basis.
 Ensure proper on-boarding of all new customers acquired
 Cross-sell of products (i.e. sales of 3 products per customer within 90 days of account opening) with new and as well as
with existing customers
 Conduct daily morning huddles to discuss daily plan and agenda for employees
 Track inflow and outflow of reports (like account closures, account opening, Fixed Deposit renewals/closures etc.) and
thus, daily business generation
 Maintain customer relationship through sourcing and on-boarding process
 Monitor DSR (Daily Sales report) on a regular basis
 Manage leads through SFA (software used for entering the generated leads)
 Capability building and manpower management
 Mentor/Guide new joiners as well as existing branch employees
 Brief employees on their role and expectations from them
 Provide timely feedback to employees on a regular basis

Achieve annual targets for branch set in AOP (Annual operative plan)
 Make action plan, and strategize to get profit through branch operations and cross sell
 Keep up to date with product to provide suitable advice to the customers
 Reduce the waiting time for customers in branch
 Increase the customer satisfaction
 Know the value bankers (VBs) productivity and revenue generation.
 Ensure smooth functioning of the branch and follow banking norms
 Responsible for monitoring business, compliance and operations
 Responsible for taking decisions that are cost effective and generate revenue
 Monitor the branch sales targets and strategize to acquire new accounts and expand existing accounts by offering various
financial products and services to the customer
ACHIEVEMENTS
Got excellence awards in both Service and Compliance

Handling the customer queries.
· Enhancement the relationship by cross selling products and services as per the profile and need of the customers.
· Increase liabilities size of relationship via:
· Balances in a/c’s of existing customer
· Acquire all related ids of the Primary id and send racing request on Web based system/entry form to CPU for flagging
and grouping
· Use FD maturity reports to track maturity of FDs and prevent
· Use wallet profile to track FDs in other banks and divert them into HDFC on maturity .
· Use wallet profile sheet to track accounts and products with other bank and transfer the same .
· Know the customer’s business to proactively provide financial solutions.
· Sales across all product segments-TPP, Assets, Cards etc.
· Deepening the size of the relationship.
· Retention of the customers by providing the best possible services and being the dedicated point of contact for these
customers.
· Portfolio Management.
· Identifying customers through Large Transaction reports (LTR) .
· Maintaining the daily report, & Focus and attain target consistently