Branch Head
IDBI Bank
Total years of experience :18 years, 10 Months
Shouldering entire responsibility for branch business & operations, the role entailing retail liabilities, assets, cross-sell banking products and branch operations with a firm eye on compliance & business objectives
•Initiated tenure with sole responsibility of sourcing the proposal for Car loan, education loan, Housing loan and other consumer loan products, having been given the entire responsibility for branch operations owing to demonstrated excellence & prowess
•Hold the distinction of ably driving a team including internal staff as well as outsourced staff, cumulatively forming a 10-15 people team.
•Showcase the excellence in MSME credit sourcing, assessment, credit monitoring & NPA Management.
•Evaluation of the credit risk rating and using the methodology for the assessment of credit risk mitigates to reduce the delinquency rate of the credit portfolio.
•Overall all credit risk assessment of branch retail borrowers with respect to regulatory guidelines.
•Demonstrated excellence in managing INR 125 Cr of liabilities business and INR 20 Cr advances business
•Personally, engage with marquee customers to provide personalized banking solution to the HNI retail customers, acquiring payroll accounts from institutional clients and engaging with the Govt. department to mobilize high value deposits
•Entrusted with the responsibility of identifying opportunities and tying-up with educational institution for smooth inflow of EL loan
•Planned & facilitated marketing activities including camps in rural area for agriculture advances along with strategic alliances with Auto dealer/Builder for acquisition of car loan/Housing loans
•Instrumental in critical decisions such as cluster base financing in MSME cases for smooth recovery
•Playing a pivotal role in engaging with the team and ensuring a high level of performance through adequate engagement & enablement
Designed & drove relevant strategies to drive business objectives through a team of Financial Advisors and Business Associates
•Gained hands on exposure and demonstrated excellence in driving outsourced staff
•Engaged with diverse sets of people including internal teams, external agencies, customers and cross-functional teams within the organization
•Played a pivotal role in driving the team to attain planned business objectives through focused initiatives and strategies
Directed a sales team to drive business across products including Current account, Mutual Funds, Insurance and other financial products
•Responsible for driving upsell & cross sell opportunities along with new customer acquisition
•Worked closely with cross-functional teams including Marketing & Finance to design as well as direct promotional activities to drive visibility and customer connect
•Gained hands on experience in identifying prospective customers through lead generation, while ensuring value propositions are presented to cater to the customers’ financial requirement
•Demonstrated exemplary skill in gathering market as well as industry intelligence with an in depth knowhow of competitor offerings to maximize lead conversion
PREVIOUS WORK LOCATIONS-
Patna, Ranchi, Jamshedpur, Gaya, Bhagalpur, Hajipur & Munger.
courses: Certified Associate of
