Deputy Manager - ICICI Bank - Pune, Maharashtra
(2024-07)
- Sales and Business Development: Specific responsibilities and achievements, e.g., acquired new clients, cross-sold products, exceeded sales targets
- Customer Service and Relationship Management: Specific responsibilities and achievements, e.g., provided exceptional customer service, resolved customer queries, managed customer relationships
- KYC and Compliance: Conducted thorough KYC verification and due diligence checks to ensure regulatory compliance. Monitored and mitigated risks associated with customer onboarding and account maintenance.
- Reconciliation and Operations: Performed daily, weekly, and monthly reconciliations to identify and resolve discrepancies. Streamlined operational processes to improve efficiency and accuracy.
- Investments and Trade Settlement: Assisted clients in making investment decisions and executing trades. Processed trade settlements and ensured timely delivery of securities. Stayed updated on market trends and regulatory changes to provide informed advice.
Senior Business Associate - Tata Consultancy Services - Pune
(2015-09 - 2024-07)
Responsible for managing a team of associates and junior business analysts with assigning tasks, providing guidance and support, reviewing work, and promoting a collaborative and productive work environment.
- Responsible for building and maintaining strong relationships with clients and understanding their needs, addressing their concerns, providing updates on project progress, and ensuring client satisfaction.
- Defining project scope, creating project schedules, allocating resources, and monitoring progress to meet client requirements and deadlines.
- Credit Evaluation: Loan and mortgage application process to evaluate the client's creditworthiness. Reviewing credit reports, assessing credit scores, and analyzing the client's financial history to determine their eligibility for the loan or mortgage.
- Sales Reporting and Target Achievement: Responsible for tracking and reporting on sales activities, maintaining accurate records of client interactions, and monitoring progress towards sales targets and goals.
- Cross-selling and Upselling: Responsible for identifying opportunities to cross-sell or upsell other financial products or services, such as insurance products, investment options, and additional
Senior Business Associate - Tata Business Support Services - Pune
(2012-02 - 2015-09)
- Lead Generation: Actively generate leads through various channels, such as referrals, cold calling, online marketing, and networking, to identify potential customers who may require personal loans.
- Product Knowledge: Acquire in-depth knowledge about the personal loan products offered by your organization, including interest rates, repayment terms, eligibility criteria, and any special features or promotions.
- Client Consultation: Conduct thorough consultations with clients to understand their financial needs and goals. Assess their eligibility for personal loans by reviewing their income, credit history, and debt-to-income ratio.
- Compliance and Regulations: Adhere to legal and regulatory guidelines governing personal loans. Ensure that all loan applications, documentation, and processes comply with applicable laws, privacy regulations, and internal policies.
- Sales Target Achievement: Work towards achieving individual and team sales targets by actively promoting personal loan products, cross-selling related financial products and services, and leveraging referrals from satisfied customers.
Credit Risk Management Group - Idea Cellular Limited - Pune
(2008-06 - 2009-08)
- Expert in credit risk management, providing guidance and advice to internal teams, such as sales, underwriting, and relationship managers.
- Working on queries related to credit risk policies, procedures, and guidelines, helping them assess and mitigate credit risks effectively.
- Training and Education: Conduct training sessions and workshops to educate internal teams on credit risk management principles, methodologies, and practices. Sharing insights on industry trends, emerging risks, and risk mitigation techniques to enhance the overall credit risk awareness within the organization.
- Compliance Monitoring: Monitor and assess adherence to credit risk policies and procedures. Conduct periodic reviews and audits to identify potential gaps and non-compliance issues. Collaborate with compliance teams to address any identified risks and implement corrective actions.
Telesales Representative - RM Financial Pvt Ltd - Pune
(2007-08 - 2008-02)
- Build and maintain strong relationships with customers to establish trust and credibility. Provide ongoing support and guidance throughout the application process, address customer queries, and offer personalized advice on credit card usage and benefits.
- Engage in consultative selling by conducting thorough needs assessments with customers. Understand their financial goals, spending habits, and lifestyle requirements to recommend suitable credit card options that align with their needs.
- Maintain regular contact with customers after the credit card is issued. Provide ongoing support, address customer inquiries or issues, and ensure a positive customer experience throughout their credit card usage.
