Pradeep Dash

Having a Seasoned back ground in banking and finance, I am poised to drive significant impact. I seek to leverage my expertise in sales and team management to advance the mission and vision of a forward thinking institution. My aim is to cultivate a dynamic team thrives on Learning & growth

Resposibility 

• Responsible for the administration and efficient daily operation of a full service Outlet, including lending, product sales, customer service, and security and safety in accordance with the Bank's objectives.
• Enhance and contribute in the growth of the Branch through Business Development Provision of a superior level of customer relations and promotion of the sales and service culture through coaching, guidance and staff motivation.
•  Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship.
•  Maintain AOP (Annual Operating Plan) for the financial year i.e. to prepare and track product (liability, assets and fees) wise.Weekly/monthly reviews for outbound and as well as for inbound sales.
• Prepare and review monthly activity calendar of outbound activities for BSM/Oprh/CSOs/Sales staff on a weekly basis.
• Ensure proper on-boarding of all new customers acquired.
• Cross-sell of products (i.e. sales of 3 products per customer with onboarding) with new and as well as with existing customers.
• Conduct daily morning huddles to discuss daily plan and agenda for employees.
• Track inflow and outflow of reports (like account closures, account opening, Fixed Deposit renewals/closures etc.) and thus, daily business generation.
• Maintain customer relationship through sourcing and on-boarding process.
• Monitor DSR (Daily Sales report) on a regular basis.
• Manage leads through CRM (software used for entering the generated leads).
• Segment the customer within the catchments of the branch to increase the GL base of the branch.

Capability building and manpower management.

• Mentor/Guide new joinees as well as existing branch employees.
• Brief employees on their role and expectations from them.
• Provide timely & structured feedback to employees on a regular basis.
• Conduct workshops and training programs for the employees

• Achieve incremental targets for CASA, Fixed Deposits and loans, and achieve fee in terms of Life nsurance,General Insurance,Mutual Funds,OTR, Gold etc.
• Maintain a healthy asset and liability book i.e., General Ledger growth.
• Maintain and monitor Complience culture, Audit(Internal & SQ), BOHI(Branch operational Health Index)

Customer Service:

•  Manage key branch relationships.
• Ensure wait time within permissible limits as per segmental service approach.
•  Achieve customer service index scores target.
• Ensuring no escalations at branch and complaint handling.

Compliance and Risk Management :

• Ensure operations, risk control and process adherence at branches.
• Ensure smooth RBI & Internal audits, inspections as well as SVs.
• Maintain branch audit scores.

Branch Profitability:

• Ensure Growth in NII (Net Interest Income) for branch.
• Increase fee income.
• Ensure OPEX optimization (to reduce operational cost).
• Manage cost of cash holding at branch.

Brand Administration:

• Adhere to standardized branch guidelines.
• Upkeep and maintain the branch (spic and span adherence to FIVE S norms).
• Ensure availability of necessary infrastructure in branch.

• First Class Degree in Bachelor of Science in Agriculture from Orissa University of Agriculture and Technology (O.U.A.T), Bhubaneswar.(1996) 
• First Class Degree (Gold Medalist) in Master of Science in Agriculture with specialization in Plant Pathology from Orissa University of Agriculture and Technology (O.U.A.T), Bhubaneswar.(1998)