8 years of experience in Retail Branch Banking

1. SKSK SHABBIRSHABBIR
E-Mail: sk.shabbir83@gmail.com ~ Contact: +91-9775600090
SeekingSeeking managerialmanagerial opportunitiesopportunities withwith aa reputedreputed organizationorganization inin RetailRetail BankingBanking
ProfessionalProfessional PrécisPrécis
 Dynamic expertise includes Corporate Banking, Branch administration, Credit Operations, Resource Mobilization, Process Man-
agement, Client Relationship Management, Business Development, Revenue Growth, Improving profitability and operational ef-
ficiency
 Presently associated with HDFC Bank Ltd., Serampore, West Bengal , under Manager Bandwidth (Department Retail Bank-
ing).
 Proficiency in monitoring various banking operations and maintaining long-term customer relationships through the provision of
high quality service.
 Adept in managing & leading teams for running successful process operations & experience of developing procedures and ser-
vice standards for business excellence.
 A creative strategist with sterling record of superior performance delivery under competitive business scenario; demonstrated
competencies in managing banking operation, developing strategic business relationships, promoting banking services/products
and delivering excellent customer service
 Time management skills with proven ability to work accurately and quickly prioritize, coordinate and consolidate tasks whilst si-
multaneously managing the diverse range of function from multiple sources.
 Demonstrated abilities in cementing healthy relationship with key accounts for generating business.
 Possesses excellent interpersonal, communication and organizational skills with proven abilities in training & development, cus-
tomer relationship management and planning.
Core CompetenciesCore Competencies
 Banking Product Knowledge
 Planning and organizing Skills
 Team Management/Interpersonal Skills
 Sales and Influencing Skills
 Communication
 Knowledge of Competition
 Awareness of Banking norms and Regulation
EmploymentEmployment ScanScan
Since Jan ’14 with HDFC Bank Ltd., as PB Authoriser under Manager Grade (Department Retails Banking)Since Jan ’14 with HDFC Bank Ltd., as PB Authoriser under Manager Grade (Department Retails Banking)
Key Results / Responsibility AreasKey Results / Responsibility Areas
SalesSales :
 Maintain daily sales report along with managing and monitoring performance of all sales resources for optimal sales support
 Ensure quality new acquisition on SA and CA for Resident/ Non Resident as well as depletion control
 Active signup of enet facility to the Corporate and ask customers to opt for CBDT collection facility
 Ensure that all staffs are aware of benefits that a customers would enjoy if they do not opt for DNC registration
 Ensure that teller generate sales reference for liability products
 Penetration of saving accounts on non liability customers and penetration of FD unique customers
 Responsible for penetration and activation of credit cards ensuring that all sales staffs pitch for enhancement of limits and promot-

2. ing add on card and active usage of credit cards
 Sales of third party products viz., MF/Insurance/RBI bonds to the customers ensuring that staffs have requisite certificate like
IRDA/AMFI/NCDO etc.,
 Sales of assets products
 Disseminating product information to the customer
 Enhancing customer wallet size ensuring that customers make us primary bank
 Attrition control of customers including- persuading customers to continue, monitoring large amount movements/account closure,
retaining possible attrite
Customer ServiceCustomer Service
 Lobby management- queue
 Branch administration including housekeeping, upkeep, etc.,
 Ensure quality customer service is delivered (manage irate customer if required or escalated)
 Recording complaint as per specified process
 Resolving all complaints received (self, branch, other units) within stipulated TAT’s, monitoring all complaints received and en-
sure that all staffs closing it properly
 Preventive complaint management by asking for feedback from the customers who are not complaining and discuss the impor-
tance of getting feedback
 Promoting all direct banking channels and ensuring that customers are utilizing the same
OperationOperation
 Authorization all teller and PB transactions and ensure that proper process has been followed up
 Priority service to Imperia and preferred customer
 Quick and error free processing
 Checking of all account opening forms and authorizing the same before it being sent to central team
 Error free documentation for account opening forms and various types of customer instructions
 Monitor lockers allocation and all locker related operations
 Effective management of security items in the branch (indent at appropriate re-order level)
 Cash management and liaison with currency chest
 FX transaction authorization/supervision and reporting
 Supervision of Teller counters and all PB counters
 Checking and monitoring of all types of BOD/EOD reports
 Timely reporting of all reports as per compliance at specified norm viz., daily/weekly/fortnightly/monthly/quarterly/half-
yearly/annually
 Recording and maintenance of all mandatory registers and files
 Ensuring all mandatory notices are put on as per RBI guidelines
 Ensure that 5-S norms are adhered to for all workstations including self
 Ensure that the branch has banners, collaterals, pamphlets as per merchandising manual
Staff ManagementStaff Management
 Ensure that all staffs are trained on the products of the bank
 Ensure that all staffs are trained on the process to be followed (including amendment with new circulars)
 Monitor staff productivity and give guidance on improving the same in conjunction with BM
 Ensure that all staffs are sent for class room training on a regular basis
 Taking feedback from staffs their opinion, need and productive discussion for branch growth
Previous EmploymentPrevious Employment ScanScan
Since Nov ’08 to Jan ‘14 with ICICI Bank Ltd., Contai as Deputy Branch Manager (Department C-Service Branch Banking under Re-
tail Liability Group)
AccountabilitiesAccountabilities:
 Supervising overall operations viz., Cash, Clearing & Process and working on branch profitability & health.
 Continuously maintaining all compliances intact and keeping constant vigil (Audit & Compliance)
 Managing the complete branch operations with key focus on bottom line profitability by ensuring optimal utilization of available re-
sources.

3.  Implementing policies / procedures for the all round development of banks & reducing overall costs to the bank through various means.
 Initiating & developing relationships with key decision makers in target organizations for business development.
 Understanding the client’s requirements & providing quality services.
 Monitoring cash flow on the operations of the company to review the cash position and forecasting funds required for numerous
expenses. Taking adequate measures to ensure timely receipt of payments.
 Expertise in Finacle and FCRM application and train my colleagues these applications
Notable Accolades:Notable Accolades:
 Awarded as the best employee of the Region to over achieve the target of CASA for the year ended March 2011 contributed Rs 5
Cr.(Five Crore only) from one of my key clients and close the CASA at Rs. 10.65 cr.
 Started surprise Customer Satisfaction survey at branch level at least once a week and to reward the best server officer of the
branch.
 Taken the initiative further for the cost cutting by surrendering two phones out of 4 and move one office boy for reduction of
branch direct cost and also to close the branch in time to save electricity.
 To strengthen the co ordination among the employee being together, started celebrating employees birthday at branch and sharing
their personal issues after office time.
 Felicitation by Regional Head for exceptional Jewel Loan Disbursement performance
AcademiaAcademia
 PGDB from ICICI Manipal University in 2009. Secured 8.01 CGPA.
 CA (Inter) 1st Group from Institute of Chartered Accountants of India (ICAI) in 2006.
 B.Com. (Hons.) from Serampore College, University of Calcutta in 2004.
 12th
from Sheoraphuli Surendranath College, W.B.C.H.S.E. in 2001. Secured 69% marks.
 10th
from Sheoraphuli Surendranath College, W.B.B.S.E. in 1999. Secured 66% marks.
Other CoursesOther Courses
 1 year Diploma Course in Financial Accounting System from Serampore Youth Computer Training Center (Affiliated to the De-
partment of Sports & Youth Services (Youth Services Branch) Govt. of West Bengal).
 Computer training course to satisfaction of the Board of Studies, ICAI (Institute of Chartered Accountants of India) in accor-
dance with the requirements of Regulations 45 of the Chartered Accountants Regulation in 1988.
ProfessionalProfessional CertificationsCertifications
 Mutual Fund certified from NISM with 62.25%.
 Depository Operation (Demat Desk) certified from NSDL with 98.75%.
 IRDA Certified
 Appeared JAAIB
PersonalPersonal DossierDossier
Address : C/o SK Ashraf,
16 / A G.T. Road, Fakir Para,
P.O. Sheoraphuli, Dist – Hooghly
West Bengal: 712223
Date of Birth : 17th
November 1983
Languages Known : English, Hindi, Bengali, Arabic & Urdu
References : Available on Request