1. RESUME
Sajin Chandy
Kizhakkekara House, Karukachal P.O.
Kottayam Dist., Kerala State, India-686540
Contact Number: +91-9496464370
E-mail ID:sajinchandy@gmail.com,sachysajin@gmail.com
D.O.B:15th
December 1989
Sex: Male
Nationality: Indian
Marital Status: Single
Languages known: English, Hindi & Malayalam
Hobbies: Playing Chess, Listening Music, Watching Movies
PERSONAL SUMMARY
A well presented, industrious and highly personable individual who has good experience of
the Non-banking industry. Possessing a huge range of abilities from providing support and
leadership to junior staff right through to being able to successfully sell the money, credit
and products of Banking & Non-Banking industries. Able to gain the trust of customers by
interacting with people from all backgrounds.
CAREER HISTORY
Present:
Axis Bank Limited
Axis Bank is the third largest private-sector banks in India offering a comprehensive suite
of financial products. Headquartered in Mumbai, the Bank has 2,904 branches, 12,743
ATMs and nine international offices. The Bank employs over 50,000 people and had a
market capitalization of `105,833 crores (as on 31 March 2016). It offers the entire

2. spectrum of financial services to customer segments, spanning large and mid-corporates,
SME, and retail businesses. Axis Bank has its registered office in Ahmedabad.
Job Profile: Deputy Manager- Branch Operations (April 2016 - Present)
Duties & Responsibilities
• Responsible for timely processing of bank transactions like funds transfer, Cheques,
Opening of Accounts, reconciliation of office accounts, ensuring timely resolution of
customer queries and improving customer service levels
• Responsible for lead generation for Current Account and Savings Account - CASA to new
customers and deepening of account balances for existing customers.
• Conducts outbound marketing calls and scouts for new leads and referrals to generate
business.
• Ensures compliance to the bank's rules - internal guidelines, processes and procedures.
Also responsible for improving the Internal Audit Operational Efficiency score of the
branch by timely completion of assigned tasks on continuous basis.
• Responsible for Cross Sell of third-party products (Life Insurance - LI, General
Insurance - GI, Mutual Funds - MF, Debit/ Credit Cards, etc. to the existing customer
base.
Past:
Kotak Mahindra Bank Limited
Kotak Mahindra Bank is the fourth largest Indian private sector bank by market
capitalization; headquartered The Bank commenced operations as a Scheduled
Commercial Bank in January 1995. Today the Bank has a nationwide network of over 2000
branches
Business Unit Retail Liabilities
The key priorities for the Retail Bank are acquisition of new customers, ensuring we become
the Primary Bank by meeting the financial needs of our customers, growing CASA & Retail
Deposits and increasing cross-sell of all products offered by the Bank.
Job Purpose:
Reach Business goals through qualitative business, convert leads to business opportunities,
negotiating terms to meet client requirements within the broad policy norms of the Bank
and be the interface between the bank and the client for the retail segment
Job Profile: Deputy Manager-Retail Branch Banking ( June 2015- April 2016)

3. Principal Accountabilities of the Role:-
1. Acquire Affluent Customers
• Acquire Early Affluent/Affluent customers
2. Manage Relationships
 Manage the 100 200 customers of the branch who can be in combination of
the following. C1+C2 (AUM between 1- 10Lacs), SB > 1 Lacs of Avg balance, CA> 3
Lacs of Avg Balance, FD> 10 Lacs.
 One point of contact for all customers for Wealth as well as Service
requirements of the customers.
 Cross-sell various products depending on the Need analysis of the customers,
which are Assets, BB, NTFX, Credit cards, 3-in -1 Trading, FES cards.
3. Wealth Management
 Do basic Financial planning of the customer and conduct Need analysis.
 Cross-Sell investments, life insurance, general insurance and SIP.
4. Compliance
 Ensure AMFI and IRDA certification.
 Ensure all customer instructions are executed the same day
 Ensure 100% documentation of all transactions.
5. Branch Development
 Drive Non primary customer in their base towards Primary.
 Driving multi product strategy in the tagged base.
HDFC Bank Ltd.-A young and dynamic bank, with a youthful and enthusiastic team
determined to accomplish the vision of becoming a world-class Indian bank with over 3300
Branches
Assistant Manager-Retail Branch Banking (February 2014-May 2015)
Duties:
• Responsible for cash & customer transactions.
• Cash Receipts, Deposits & Payments
• Responsible for Cash balancing.
• Acting as vault custodian.

4. • Filing of End of Day (EOD) reports.
• Handling Non-Cash transactions like DD/MC/TC,FT Etc
• Register updation of EOD Cash position, Instruments Issued Etc
• Responsible for high quality service, customer relationship management & Branch
audit, Compliance.
• High attention to detail, accuracy as well as customer service orientation.
• Generate business and cross sell all products and services of the Bank.
• Review all critical reports, monitor cash levels, fraud control, etc
Muthoot Finance Ltd.-India’s largest gold financing company in terms of loan portfolio
with more than 4400 branches in India
Accounts Assistant (August 2010 – November 2013)
Responsible for the day to day running and operations of a branch by coordinating team
members and achieving targets allotted to branch
Duties:
 Responsible for cash management
 Ensuring the smooth running of basic loan transactions.
 Administration of branch & Up keeping
 Building relationships with high net worth individuals.
 Answering any financial queries.
 Weekly MIS reporting of branch up keeping and maintenance

5.  Managing and monitoring the performance of team members.
 Putting into effect new procedures and policies passed down from Head Office.
 Handling customer queries face to face, over the phone or via correspondence.
 Marketing new financial products or services.
 Analyzing financial reports.
 Presenting information clearly to customers, work colleagues and third parties.
 Representing the bank within the local community.
 Verifying customer data to detect and identify financial fraud & Compliance of AML.
 Proper follow-Up of NPA accounts
PROFESSIONAL EXPERIENCE
Banking competencies
 Thorough understanding of banking procedures.
 Knowledge of financial products.
 Developing processes that reduce the time taken in processing loan applications.
 Profit & Loss management.
 Strategic planning.
 Presentation and sales skills.
 Knowledge of fund management.
 Loan consultation.
 Comprehensive understanding of industry and regulatory laws and regulations.
 Risk management and evaluation.
 Good knowledge of gold loan financing.
Personal
 Dependable and truthful.
 Ability to keep calm under pressure.
 Self starter.

6.  Highly disciplined.
 Having the ability to work accurately.
 Attention to detail.
 Relationship management.
 Excellent negotiating skills.
 Comprehensive understanding of client confidentiality.
 Methodical and organized.
 Initiative and ingenuity.
 Ability to motivate subordinates.
KEY COMPETENCIES AND SKILLS
Business mergers and acquisitions
Customer satisfaction
Financial reporting
Business processes
Data processing
Solution implementation
Report writing
Decision making
Maths skills
Business Administration
ACADEMIC QUALIFICATIONS
Sikkim Manipal University 2010-2012
MBA-Banking
Baselius College affiliated to M G University 2007 - 2010
B.Sc. Mathematics
OTHER CERTIFICATIONS
AMFI CERTIFIED-NISM MODULE V A (MUTUAL FUND DISTRIBUTORS)
IRDA CERTIIFIED

7. Passport Details
Passport No: L1541800
Valid from: 17.07.2013 Valid to: 16.07.2023
REFERENCES – Ms. Ritu Rajendran Mr. Haridasan Nair
BOH, Axis Bank LTD. BOM, Kotak Mahindra Bank LTD
Kottayam, Kerala Kottayam, Kerala
Mob: +91-8086000512 Mob: +91-9947642799
DECLARATION
I hereby declare that the above information is true to the best of my knowledge
and belief.
Place: Kottayam
Date: 11.10.2016 Sajin Chandy