Ramya M

Driven banking professional with hands-on experience in branch operations, cash management, and customer service across leading institutions like RBL Bank, Axis Bank, and HDFC Bank. Proven expertise in handling high-value transactions, NEFT/RTGS processing, CASA and FD operations, and ensuring strict regulatory compliance. Adept at managing end-to-end branch activities, including acting as branch in-charge, resolving EOD issues, handling audits with top ratings, and maintaining zero operational backlog.

Experienced in managing sensitive processes such as death claims, income tax notices, and locker operations with accuracy and professionalism. Demonstrated ability in cross-selling financial products, driving business growth, and delivering excellent customer service. A proactive and dependable professional with strong leadership skills, experienced in team handling, conducting daily huddles, and ensuring smooth branch functioning.

SERVICE DELIVERY AMBASSADOR- DEPUTY MANAGER - RBL BANK - CHENNAI

(2025-07 - 2026-02)

• Managed high-value cash transactions exceeding ₹1 crore, ensuring strict compliance with banking regulations and internal controls.
• Processed and authorized 80+ daily NEFT/RTGS transactions with accuracy and adherence to timelines.
• Acted as branch in-charge in the absence of the Branch Head, overseeing daily operations and team coordination.
• Handled death claim processing, ensuring proper documentation and sensitive customer handling.
• Managed locker operations, including allotment, access control, and compliance procedures.
• Responded to and resolved Income Tax notices with proper documentation and regulatory compliance.
• Supervised petty cash management and expense tracking.
• Performed voucher verification and scanning, maintaining accurate financial records.
• Addressed and closed audit observations/comments, ensuring adherence to internal and external audit requirements.
• Led and managed CASA & FD operations, ensuring smooth functioning of account services.
• Conducted daily team huddles, improving communication, performance tracking, and team productivity.

TELLER RM - AXIS BANK - CHENNAI

(2023-11 - 2024-12)

• Handled cash operations and sales activities, ensuring accuracy and customer satisfaction.
• Managed locker break-open procedures in compliance with bank policies and legal guidelines.
• Resolved End-of-Day (EOD) issues, ensuring smooth daily branch closure without discrepancies.
• Ensured timely completion of daily deliverables, maintaining zero backlog of tasks.
• Worked as Petty Cash Maker, handling disbursements and maintaining accurate records.
• Successfully handled internal and external audits, achieving top ratings for compliance and performance.
• Maintained zero pending tasks, demonstrating strong time management and operational efficiency.

BRANCH OFFICER - HDFC BANK - CHENNAI

(2022-05 - 2023-06)

Experienced in banking industry in Retail banking such as retail branch banking, branch compliance, business development, customer service with excellent analytical and communication skills.

• Maintained knowledge of banking products and distribution to provide optimal services.
• Monitored client requirements, identified prospective opportunities, and assisted in increasing revenue.
• Analyzed financial products and recommended appropriate products to clients.
• Developed and maintained bank revenue goals.
• Managed all product inquiries for clients and provided direct and indirect solutions.
• Cross selling of bank products Life insurance, Health insurance, PL, Al and credit cards.
• Designed strategies to retain present businesses and for acquiring prospective client.

B.SC - MATHEMATICS