Deputy Manager
hdfc bank ltd
Total years of experience :22 years, 7 Months
Personal Banker Authorizer and Teller Authorizer
1. Branch Merchandising
2. Supervise & Monitor Personal Banker desks and contract sales staff
3. Authorize Personal Banker transactions
4. Branch administration
5. Lobby Management
6. Resolution of customer queries/complaints
7. Customer service to ensure walk in customers issues
8. Generate business, cross sell and monitor cross sales of Personal Bankers
9. Enhancing the value of existing accounts
10. Retention of existing portfolio
11. Corporate salaries processing
12. Cost Management and staff productivity
13. Responsible for Cash and Customer transactions at the Teller counters
14. Supervising all Non-Cash transactions like DD/MC, fund transfer etc
15. Penetration of Saving Accounts on non liability customers
16. Ensure quality customer service is delivered.
17. Generate leads for Third Party Products to the customers
18. Ensure that all tellers are adequately trained on the Products of the bank.
19. Monitor Staff productivity and give guidance on improving the same in conjunction with the Branch Manager
20. Monitoring of dummy accounts, suspense accounts, deferred accounts, accounts payable/ receivable
21. Reconciliation and maintenance of suspense accounts register as per the required format
22. Branch Operations and Audit Compliance
June 2009 to 2011
Branch Banking:
1. Cross selling of banking products like CASA, Insurance, investments, mutual funds, Mortgage and conversion of accounts etc.
2. As a Teller handling currency transaction like, cash deposit, cash withdrawal etc.
3. Processing of NEFT, RTGS.
4. Issuing Demand Drafts and Cashier Orders to customer against their request.
5. Processing of FCY transactions.
6. As a chief cashier, receiving the cash from tellers and sending the same to cash vault.
7. Balancing of branch cash at the end of the day.
8. Offloading of the cash from branch to currency chest.
9. Reconciliation of branch suspense accounts at the end of the day.
10. Preparation of Sundry account trackers.
11. Preparation of Cash holding MIS for the branch.
Service Delivery Department:
12. Checking of Account Opening forms.
13. Verification of KYC Documents.
14. Processing of AOF through "Filenet System".
15. As a Team Leader, monitoring the performance of the team.
16. Advising the team in critical activities like clearing, ECS, merchant payment, account opening, Logistics etc.
17. Interacting with different member banks and clearing house for the settlement of accounts.
18. Interacting with customers and handling the queries raised by them.
19. Checking of Cash Transaction vouchers for Branch Banking.
20. Monitoring NRE/NRO transactions, dormant and unclaimed accounts etc.
21. Monitoring Foreign Currency transactions. (Purchase and sales of Currencies)
22. Collecting of Documents for account closure.
23. In absence of Mgr. Service Delivery, officiating Manager Service Delivery role.
24. Creating team performance report for HR.
From July 2007 to May 2009
Team Leader, Standard Chartered Bank, Clearing Department (Chennai)
25. As a Team leader, reviewing and controlling all the activities in clearing.
26. Especially, Outward clearing related.
27. Handling of queries related to clearing.
28. Settlement of clearing difference with various banks.
29. Reconciliation of the suspense accounts.
30. Preparing various MIS for the department.
31. Also preparing and maintaining performance of the entire team with the help of available tools. (SFM)
32. Dealing with different department across the bank and maintaining a happy relationship with them.
33. This always helps me to resolve the cases related to clearing.
From February 2006 to June 2007.
Management Information System (MIS) - Standard Chartered Bank- New Delhi
34. Preparation of MIS for Pan India operations.
35. Consolidating of data for various MIS.
36. Logical review of Data.
37. Collecting data for updating information, from various branches of the bank in India.
38. Preparing projects for the system.
39. Direct reporting to these MIS to the Head of Operation India.
November 2003 to Feb 2006:
Officer - Inward Clearing- New Delhi
40. Interact with the customers for the confirmation of the issuance of High amount cheques and other related queries.
41. Follow up the laws of KYC, laid down by RBI, especially in High Value cheques, Dormant Accounts etc. Call back to related customers and ask them to fulfill the requirements and to follow the rules of Reserve Bank of India.
42. Technical and Signature verification of inward MICR clearing cheques.
43. Posting of High Values cheques and their signature & technical Verifications.
44. Posting of inward Inter-bank clearing cheques, their voucher creation and posting.
45. Preparation of the returning of inward clearing cheques.
46. Reversal of entries through Bank's computer software.
From November 2002 to October 2003
Worked as Liaison Officer at Kabul, Afghanistan on one year deputation basis.
Job profile
1. Creation of documents for the purpose of customs clearing of goods and materials imported from India, Iran, and other neighboring countries.
2. Liaison with the Afghanistan Government offices for the easy movement of goods and services rendered from India.
From October 2001 to October 2002
Job Profile
1. Preparation and analyzing of Dispatch reports.
2. Preparation of Cash/journal vouchers
3. Preparation of Cash/journal vouchers
Worked with M/s. C&C Constructions- From 2001 to 2003
B.A. Degree in Economics from Calicut University, Kerala, in the year of 2001.