This document contains a resume for Kinjal Kumar R Desai. It summarizes his professional experience working in banking and finance roles over 16 years, including as a Manager at HDFC Bank Limited where he handled retail branch banking operations and ensured customer satisfaction. It also lists his educational credentials of a B.Com degree from M.S. University in Vadodara and technical skills including accounting software and Microsoft Office. The resume demonstrates extensive experience in banking operations, customer service, and administration.

1. KINJAL KUMAR R DESAI
13, Umiyanagar Society, Opposite Panchavati Octroi Post, Gorwa Refinery Road, Vadodara - 390016 Gujarat (India)
Contact: +91 7359955501, 9909911982; E-mail: kinjal52@yahoo.com; Date of Birth: 19th
August, 1979
ACCOUNTS & FINANCE/ BANKING INDUSTRY PROFESSIONAL
Offering 16+ years of rich and diversified experience; seeking challenging assignment across the industry
SUMMARY OF SKILLS
• Seasoned and versatile professional with cross-functional experience across General Banking Operations, Branch
Administration, Operations Management, Facility Management, Customer Relationship Management and Team
Management.
• Expertise in handling the banking operations and identifying opportunities to improve productivity, efficiency and
ensuring policies, procedures and compliance requirements are complied with banking guidelines.
• Well versed in handling entire spectrum of branch operations of front office, cash & customer service and managing
reconciliation of consumer & banking activities on daily/ monthly basis.
• Proven ability in managing all administrative/ official/ clerical activities while maintaining healthy work environment &
discipline. Skilled in monitoring branch operations for its smooth running and adhering to the highest level of service quality
and delivery standards.
• Proficient in providing support to the customers and understanding their needs/ requirements while assisting them for
the required services and maintaining customer relationships to build the future perceptiveness.
• Motivated and goal driven with high energy level, strong work ethics, continuously striving for improvement coupled with
excellent administrative aptitude with an eye for detail & the commitment to offer quality work.
Core Competencies
Branch Administration  Customer Service  Banking Operations  Statutory/ Legal Compliance  Risk Management
(Operational, Credit & Market)  Strategic Sales Planning  Cost Containment  Liaisoning/ Coordination  Relationship
Management  Business Development  Revenue Growth and Profitability  Target Achievement  Training Skills 
Negotiation Skills  Leadership  Communication Skills
PROFESSIONAL EXPERIENCE
HDFC BANK LIMITED Jan’08 – Jun’16
Manager (Band E3) - Teller Authoriser (Operation Retail)
• Handled retail branch banking operations as a part of customer-focused approach for quick resolution of requests, queries
and complaints. Provided service to the customers and guided for their day to day issues with solutions.
• Effectively managed customer relation operations and ensured customer satisfaction through quality service.
• Monitored branch operations for its smooth running. Adhered to the highest level of service quality and delivery standards.
 Ensured continuous interaction with the customer to make sure that area of concern can be worked upon for improved
service levels.
• Accountable for observing, analyzing & suggesting correct solutions to customers which will be beneficial both for the
customer & the company.
• Accountable for entry and verification of remittances (RTGS/NEFT/FT/DD) and ensured proper KYC documentations (ISA) as
a part of Account opening Process.
• Responsible for the processing of account opening forms sourced by branch sales resources and DSAs also handled the
processing of various other customer instructions received at branch level from walk-in customers, instructions collected by
other sales resources.
• Monitored and resolving the various customer complaints/queries/ requests logged into branch through various other
channels like Netbanking, Phone Banking, Email Management, etc.
• Dexterously involved in maintenance of cash Shortage/Excess register & proper filing of approvals. Ensured that all tellers
were adequately trained on the products of the bank.
• Responsible for
o Lobby Management by handling queue of customers at teller area by ensuring quality customer service delivery.
o Managing irate customers if required recorded complaints as per the specified process.

2. o Monitoring dummy accounts, suspense accounts, deferred accounts, accounts payable/ receivable, identification and
closure of TOD accounts on regular basis by Reconciliation and maintenance of registers of them.
o Ensuring error free operations by online authorization of cash / transfer transactions and issue of DD / MC and perform
inward and outward clearing.
o Ensuring tellers counter supervision for cash management and liaison with currency chest.
o Monitoring security stationery at appropriate reorder levels, NRE credit, large cash transaction, KYC norms, Salary
uploads, Keys movement register, periodic exchange of keys lodged with other branch, recording of SYS passwords and
timely monitoring of the same.
o Reporting fortnightly Suspense / Suspect / TOD, Large cash transactions, FX transaction reporting to local tag / treasury
mid office within cutoff time, maintenance of bulk stock registers, voucher movement register, register for rectification
host entry positing. Branch administration including housekeeping, upkeepment of equipments like cash counting and
sorting machine, ATM, Air conditioners, Furniture, Fire Extinguishers, Xerox, Weigh machines etc.
o Lead generation for CASA and try to convert the lead by customer satisfaction and engagement.
• Contributed towards making branch grow as a profit centre; compiling with all rules and regulations laid down by Reserve
Bank of India and ensuring minimal comments in audit.
• Maintained customer satisfaction by ensuring quick response time and addressing various issues, queries, complaints raised
by customers and resolving them to the best of their satisfaction.
• Worked closely with internal teams for ensuring smooth completion of all activities.
• Facilitated a team approach to achieve organizational objectives, increased productivity & developed employee morale.
BAJAJ ALLIANZ LIFE INSURANCE COMPANY LIMITED May’07 – Dec’07
Branch Accountant
• Accountable for maintaining records of all Cash & Cheque Payments (i.e. Petty Cash Payment, Commission Cheque
Payment, Reimbursement Cheque Preparation, Customer Service Cheque Payments, and Competition Prize Payout etc.).
• Managed all types of Receipting i.e. Collection / Renewal of Premium, Deposition of Premium.
• Responsible for the arrangement for Visiting Cards, Employee Identity Cards, maintained attendance of all the Employees,
maintained all type of register like Assets Register, Receipt control Register, Cheque Book Issue Register, Daily Collection
Register, Competition Prize Payment register, Preprinted Stationery Register, Reconciliation of Bank Accounts & Petty Cash
Account on Monthly Basis. Expenses & Reimbursement of expenses for SM’s.
• Coordinated with Regional Office & Head Office for Accounts related works - Salary, Commission Payments, Competitions
Payout, Cheque Clearance & Dishonor Action and Book keeping of Branch level.
GUJARAT LIFE SCIENCES PRIVATE LIMITED Sept’06 – Apr’07
Accountant
NIRAJ INSULATIONS PRIVATE LIMITED Jan’06 – Aug’06
Accountant
GUJSIL SCIENTIFIC GLASS COMPANY Jan’03 – Dec’05
Accountant (Part Time)
RANKER BIO AGRO INDUSTRIES May’02 – Dec’05
Factory Manager
M/S. COMPUSOFT COMPUTER EDUCATION May’00 – Apr’02
Computer Faculty
EDUCATIONAL CREDENTIALS
B.Com, 2000; M.S University – Vadodara
XII, 1997; GSEB - Gandhinagar
X, 1995; GSEB - Gandhinagar
Technical Skills
Tally Accounting Package, Adobe PageMaker 6.5, Corel Draw, MS DOS, MS Office, Microsoft Windows and Internet Application
Languages Known: English, Hindi and Gujarati References: Available on Request