Manager
HDFC Bank
مجموع سنوات الخبرة :10 years, 7 أشهر
Managing Preferred client’s portfolio combined Liability and Investment - size INR 900 million. The job role requires a thorough profiling of the client's assets, liabilities, short, medium and long term goals, cash flows and risk appetite. Basis the outcome, products was advised according to their needs on the investment and business side. Once this is done, we have an AUM (Asset under Management) to take care of and make it grow to the benchmark returns and service them. Continuous On boarding of NTBs (New to Bank customers) to create Alpha in the portfolio and minimize risk of concentration of business on fewer clients and grow AUM. Follow up meetings with existing clients on their quarterly returns and services to facilitate any changes or updating on the portfolio if necessary.Financial statement and credit analysis for clients applying for Business banking products - Bank guarantee, Term loan, working capital, Infrastructure finance, plant and machinery equipment finance etc. to make sure their compliance with prudential regulations and bank’s policies with the objective of risk minimization.Understanding of processes of the bank in line with RBI guidelines to ensure proper compliance without sacrificing on service delivery.Regular and effective interaction with different departments of the Bank i.e: product team, HDFC Life insurance, ERGO, back end Service Team, clearing team, Asset team, Mutual fund houses to provide seamless services to customers and for tracking existing deals and checking new developments and offering for superior advice to Clients.
Handling the financial Investment business of the company. Exclusive tie ups with Infrastructure companies and residential builders for giving our customers a choice of private equity and customized debt options.Rendering project financing services to infrastructure companies and Real estate Builders.Strategizing and implementing new process in the organization to decentralize process at every stage for faster and effective performances and outcomes. Monitoring and identifying the bottle necks in the operations and thereby taking corrective actions.
Portfolio Management of customer base of 150 for revenue maximization, deepening relationships and generating referrals for various other verticals of the bank.Driving the Customer loyalty and retention and increasing the wallet share with the bank and driving cross sell of various other bank products.Ensuring all the critical accounts are monitored and reported every quarter and Ensuring KYC error rate is < 1%.Ensuring all complaints assigned are resolved as per the arrangements in E-Helpline.Hand holding of the fresh recruits on Investment products (equity, debts and Insurance), CRM and operations/ servicing. Facilitating Audit inspection, Account Opening -Saving & Current Monitoring Deposit Suspense of my mapped client and KYC check.
Managing Bancassurance Channel Sales and business development.
for Deutsche Bank.Conducting training program for the bank staff on Insurance products and An insight on financial planning (Debt and Equity market) and Quality Control.Taking up private banking clients meetings personally on behalf of the channel partner (Deutsche Bank).Facilitating post sales backend operations of the insurance sales and managing quality control basis internal audit and compliance.
Auditing of the accounts
Computation and filing of returns and taxation.Preparing audit reports and tax audit report.
Project financing- Preparation of financials for 7 - 10 yrs and projecting Ratio Analysis of Debt Equity ratio, Current Ratio and Liquidity ratio.Project Financing- Feasibility Study, Viability reports, market reports of the product / services.
Maintaining Books (Computerized) in tally with vouchers.
Audit - Vouching - cash, Bank and Parties.
Bank reconciliation with purchases and sales (Creditors and Debtors) and confirmations with regular follow ups.