Panchal Rahul

To achieve success in life through hard work, sincerity and honesty. Always ready to accept the challenges in a situation, I want career where my skill, functional experience and educational knowledge are fully utilized and go opportunity to learn new things.

Independent Financial Trader and Market Analyst - Self - Employed

(2023-07)

• Actively managed personal capital, executing equity investments and derivatives/options strategies to maximize risk-adjusted returns.
• Conducted deep-dive technical and fundamental analysis on market trends, sector rotations, and macroeconomic indicators.
• Evaluated company balance sheets, cash flows, and valuation metrics to identify long-term investment opportunities.

Preferred Relationship Manager - HDFC BANK LTD - Old Padra Road-VADODARA

(2023-03 - 2023-06)

Grade: Manager

• Managing and reviewing client portfolios to align with market conditions and their financial objectives.
• Selling a wide array of banking and third-party products, including wealth management (Mutual Funds, Insurance), loans (assets), and savings accounts (liabilities).
• To grow the liability base of the bank by deepening relationships of mapped customer base.
• Sourcing new business through catchment area activities, internal database screening, and client referrals.
• Ensuring a superior, high-touch banking experience and assisting eligible customers in joining the hdfc preferred banking programme.
• To sell bank and third-party products with a view to enhance revenue per client.

Relationship Manager Royale - AU SMALL FINANCE BANK - KARELIBAUG-VADODARA

(2022-05 - 2023-02)

Grade: Manager

• Acquisition of new clients to the bank, and family accounts of existing clients. Pitching and cross-selling of different ban products to customers.
• To grow the liability base of the bank by deepening relationships of mapped customer base.
• To service clients covering all their banking needs including bank/3rd party products.
• To enhance product penetration in the mapped customer base.
• To activate clients on Non branch delivery channels including Net banking, Mobile Banking, ATM, Point of Sale etc.
• To sell bank and third-party products with a view to enhance revenue per client.
• To conform to processes of the bank and have a high focus on compliance.

Relationship Manager Yes Premia Retails Banking - YES BANK LTD. - BARODA

(2022-02 - 2022-05)

Grade: Manager

• Managing Yes Premia customer's portfolios. To maintain strong banking relationship to enhance banking experience.
• To achieve liabilities (SA, FD/FCNR), TFX, TPP and other targets. Increasing family relationship by acquiring family accounts. Generating reference and leads for new acquisitions.
• Providing advisory, assistance and Re-structuring solutions on existing investments. Goal based investment planning's.
• Managing MF AUM and to enhance with incremental net sales. Cross and up selling of PMS, AIF, Portfolio and other advisory products as per suitability of customers.
• To conform to processes of the bank and have a high focus on compliance.
• Providing excellent services on customer's queries and nonbusiness queries.

Key Account Manager (KAM) - INDUSIND BANK LTD. - SUBHANPURA BRANCH-VADODARA

(2020-02 - 2022-02)

Grade: Manager Since From 1st oct 2021 to 10th feb 2022

• Acquisition of new clients to the bank, and family accounts of existing clients. Pitching and cross-selling of different bank products to customers.
• The KAM is supposed to service all banking needs of mapped clients.
• To grow the liability base of the bank by deepening relationships of mapped customer base.
• To service clients covering all their banking needs including bank/3rd party products.
• To enhance product penetration in the mapped customer base.
• To activate clients on Non branch delivery channels including Net banking, Mobile Banking, Video Branch, ATM, Point of Sale etc.
• To sell bank and third-party products with a view to enhance revenue per client.
• To conform to processes of the bank and have a high focus on compliance.

Service Delivery Manager - INDUSIND BANK LTD. - SUBHANPURA BRANCH-VADODARA

(2020-02 - 2021-09)

Grade: Deputy Manager

• Acquisition of new clients to the bank, and family accounts of existing clients. Pitching and cross-selling of different bank products to customers.
• Handling front desks when needed and actively working on operation processes of the bank.
• Providing seamless, fast, easy and transparent service to clients on the bank.
• Ensuring clients engagement through activation of clients on mobile app, net banking and other non-branch channels.
• Processing of Account Opening of Saving A/c, Current Account where scrutinizing of account opening forms, document verification as per KYC norms.
• Processing of outward clearing cheques.
• Processing of RTGS & NEFT request of customer, Issuance of Demand Draft and Pay Order.
• Processing FD, FDOD, RD, account closure.
• Handling of Locker operation at Branch.

JR.CLERK - THE COSMOS CO-OP BANK LTD. (MULTISTATE SCHEDULE BANK) - Gujarat Regional Office (GRO), Ahmedabad Loan HUB, Ahmedabad

(2014-11 - 2016-05)

• Processes related to Loan-Business Loan & Retail Loan
• Checking eligibility criteria for loan proposals, detail Analysis of Financials which includes Profitability, break even & sensitivity analysis and preparing process notes.
• Sanctioning & Disbursement of Loan.
• Compliance with various reports.
• Co-Ordination with Head Office and Other Branches for various requirements.
• Co-Ordination with external functionalities like External Audit Staff, Legal Functionalities, Other Banking Professionals for various requirements.

JR.CLERK - THE COSMOS CO-OP BANK LTD. (MULTISTATE SCHEDULE BANK) - Ashram road Branch, Ahmedabad

(2016-06 - 2018-10)

• Handling of Cash receipts and payments and ensuring transactions are carried out within the prescribed TAT and without errors.
• Processing of Account Opening of Saving A/c, Current Account where scrutinizing of account opening forms, document verification as per KYC norms.
• Processing of outward clearing cheques.
• Processing of RTGS & NEFT request of customer, Issuance of Demand Draft and Pay Order.
• Processing FD, FDOD, RD, account closure.
• Handling of Locker operation at Branch, executing Franking on customer documentation also.

JR.CLERK - THE COSMOS CO-OP BANK LTD. (MULTISTATE SCHEDULE BANK) - Kothi pole Branch, Vadodara

(2018-10 - 2020-02)

• Handling of Cash receipts and payments and ensuring transactions are carried out within the prescribed TAT and without errors.
• Processing of Account Opening of Saving A/c, Current Account where scrutinizing of account opening forms, document verification as per KYC norms.
• Processing of outward clearing cheques.
• Processing of RTGS & NEFT request of customer, Issuance of Demand Draft and Pay Order.
• Processing FD, FDOD, RD, account closure.
• Handling of Locker operation at Branch, executing Franking on customer documentation also.

Junior Assistant - MANAPPURAM FINANCE LTD - Nizampura Branch, Vadodara

(2011-06 - 2012-06)

• Responsible for handling Customer
• Furnishes suggestions to them for different schemes for different types of loans.
• Worked on DOT NET.
• Checking and Maintaining Accounts.
• Handling Accounts related queries.

Professional Degree - Chartered Financial Analysts (CFA) - The Institute of Chartered Financial Analysts of Indi University (ICFAI) (2014 - 2014)

Master Degree - M.Com in Commerce and Business Management - The Maharaja Sayajirao University of Baroda (2011 - 2011)

Diploma Degree - Post Graduate Diploma in Business Administration (PGDBA) - The Maharaja Sayajirao University of Baroda (2009 - 2009)

Bachelor Degree - B. Com in Accounting & Financial Management - The Maharaja Sayajirao University of Baroda (2008 - 2008)