Manjunatha G

To work with a progressive organization, which gives opportunity in the current dynamic world of competition where I can contribute my skills & experience in achieving a common goal of growth of the organization & individual.

Proprietor at Pushpagiri Financial services (2021-11 – Present)

Self Employed and resourceful In Administration, Operations, Customer Service, Sales, Accounting with proven competency

• Maintained the office with clean and good atmosphere
• Taking care of Electricity, water, Ups, CCTV is upto the mark
• Taking care of legal documents with Government Authorities
• Handling the documents of the customer with a file and maintained with safety
• Co-ordinating with the Bank staff for processing the file
• Co-ordinating with the team to login the files on time
• Cross checking the documents, All documents is correct, before login the files
• Visiting Client places and collecting the documents and explaining about the process and what is the requirements
• Informing customer about the Cibil parameter, once eligibility criteria meets we will discuss with credit team, related to ROI, processing fee and Loan Amount
• We will collect the information by way of detailed sheet provided by the customer
• once Eligibility criteria is meet we will inform to customer be availability, Verification Team/Surveyor will visit your location
• Handling a Tellecaller of 2 persons to generate the leads of Home Loan, Loan Against Property, Personal loan, Business Loan, Used Car
• Cold callings on date to day basis visiting, Industrial areas, Tech park, Real Estate company to generate the leads
• Taking references, from Existing clients
• Maintained Biils of office expenses, TDS
• Co-ordinating with the Auditor for filing the GST Returns

Proprietor at Pushpagiri Super Market (2020-08 – 2021-10)

Self Employed and resourceful In Administration, Operations, Customer Service, Accounting, Vendor Management, Sales with proven competency

• Handling Administration activities From start to End of the store on Daily basis
• Maintained the store with cleanness and visibility of the products in the store
• Taking care of Electricity, water, Ups, CCTV is upto the mark in the store
• Taking care of legal documents with Government Authorities
• Maintained the Operations activities with effectively in the store on Daily basis
• Maintained the availability of stocks at the store on daily basis
• Updating All products details in system on daily basis with the team
• Maintained the team of 3 members and assiniging the tasks in the floor
• Attending walk-in customers on an average of 50+ and providing very good service
• Informing about the new products and discounts availability to the customers
• Resolving the issues of the customers at the time of exchanging the products
• Handling irrated customers, to resolve the issues at the timing of billing
• Maintained Bills of Vendors, co-ordainating with vendors for paymentpayment
• Handling cash and POS Transactions of the customer on daily basis
• Taking care of cash Deposit to Bank on daily basis
• Maintained GST Returns on time, co-ordinating with Auditor for filing the GST Returns
• Taking care of Budget Planning and Analysis
• Handling vendors on an average of 90+ in a month, related to purchase of stocks of multiple products from different vendors
• Co-ordinating with the vendors to receive the stocks, verifying the products on every parameter, such as condition of the products, expiry date, it is damaged, product is opened
• Providing new purchase orders for the vendors, and Co-ordinating with them to arrange the products on time
• Releasing the payments to vendors on time and maintained good relationship with the vendors
• Achiveing the Sales target by providing discount on FMCG products, Grocery products, Food Items, Dry Fruits and House hold items
• Giving promotions by issuing brouchers to public
• Inserting Banner at the store to enhance the public
• Taking reference from the customer for sharing the offers to them

Customer Service Manager (Grade:Manager) at IDFC First Bank Ltd (Erstwhile Capital First Ltd) (2015-08 – 2020-07)

Self motivated and resourceful customer service manager with proven competency in: Resolving a Wide range of product and service issues speedily and satisfactory. Exceeding customers post sales needs with energetic follow up. Maintaining composure while handling challenging customer demands. Learning new processes from beginning to end.

• Ensure the consistent achievement of customer service levels and standards
• Planning, assign and monitor work tasks for optimum team efficiency
• Determine customer service requirements through surveys, focus groups and benchmarking best practices
• Attending walk-in customers on daily averagely 50 plus customers
• Co-ordinating with the operations team for the closures of the matured loan, Loan Foreclosures cases, Issuance of NOC's, Refund of Excess Amount paid by the customers, within TAT, Arranging of original property documents with in TAT for Home loans
• Resolving the ECS issues of the customers by collecting the fresh ECS/NACH Form
• Convincing the customer while foreclosing the loan to retain them by providing good service and retention in ROI
• Co-ordinating with the RCU Team for the fraudulent cases, providing the customers documents - KYC's, Agreement copy, Request letter, Cibil copy to the team, to rectify the issues on priority basis
• Co-ordinating with the Collections Team, for mis- behavior of the agency team with the customer while collecting the funds from the customer
• To the defaulter customers explaining about the impact of cibil, for the future requirement of Loans and informing them to clear the total outstanding amount
• Co-ordinating with the Nodal Desk Team to resolve the issues at the earliest
• Resolving the customer Issues, Queries, Complaints, Esclations on priority basis
• Maintaining averagely 35+ disbursal of Personal loans month on month
• Generating the leads of Home Loan, Loan Against Property, Business Loan, Personal Loans, Used Car, Two Wheeler
• Co-ordinating with the concerns team for the status of lead generated cases

Deputy Branch Manager (Grade:Assistant Manager Band 2) at ICICI Bank Ltd (2014-01 – 2015-06)

Responsible for daily operations and customer service standards of a full service branch office covering all aspects viz branch operations, lending, customer service, security and safety in accordance with the Bank's guidelines.

• Ensuring adherence to prescribed guidelines as per operations manual and e-circulars issued from time to time
• Developing a compliance culture through Awareness programs for branch staff on risk & compliance through Daily Work place Meetings and other platforms
• Display of mandatory notices at branch
• Ensuring dual custody of security items
• Day-end checking of high value transactions > INR 2 lakhs and non-base branch transactions (cash, transfers, RTGS etc)
• Ensure customer calling when in doubt to reduce frauds
• Safe custody of items like stamps, stickers, keys, note slips etc
• Daily reconciliation, balancing and tallying
• Renewal of licenses / registrations under Shop & Establishment Act, Sales Tax/ VAT, Professional Tax, Property Tax etc
• Proper authorization of KYC documents
• Checking and closing out all outstanding EDD cases ( Anti Money Laundering)
• Principal Accountabilities – Branch Profitability
• Reduce cost of cash holding
• Optimize big ticket opex items
• Review & monitor AOF rejection cases, account closures, overdue FD & FD maturity data and renewals
• Scrutinize and verify customer requests, AOFs as per prescribed checklist before, Dispatching for processing, Informing customers in case of rejections
• Closure of SRs, CRs, complaints within applicable TAT and handling irate customers
• Daily checking of common pending folder of the branch and individual employees to ensure that no customer request is pending with the staff along with random drawer audits

Branch Operations Head Mysore Location (Senior Executive) at SBI General Insurance Company Ltd (2011-04 – 2013-12)

Jr. Motor Underwriter at Bajaj Allianz General Insurance Company Ltd (2006-05 – 2011-03)

Administrative Executive at AdsStation (2005-05 – 2006-05)

Account's Assistant at Oxford Educational Institution (2004-05 – 2005-05)

SSLC – Ananda Social and Educational Society High School, Bangalore (1999)

PUC – Seshadripuram Evening P U College, Bangalore (2002)

B.Com in Commerce – Seshadripuram Evening Degree College, Bangalore University (2005)

MBA in Business Management – National Institute of Business Management (NIBM), Chennai (2013)