JOSEPH PRIVINSHA WINSTON

• Identified and pursued new business opportunities through market research, networking, and cold outreach, resulting in a 100% increase in qualified leads.
• Built and maintained strong client relationships, improving customer retention and generating repeat business.
• Developed and presented tailored proposals, pricing strategies, and contract negotiations to successfully close high-value deals.
• Collaborated with cross-functional teams (marketing, product, and operations) to align sales strategies with business goals.
• Conducted competitive analysis and market trend assessments to inform strategic planning and identify new revenue streams.
• Represented the organization at industry events, conferences, and networking functions to enhance brand visibility and build partnerships.
• Maintained accurate records of sales activities, client interactions, and forecasts using CRM tools.
• Consistently met and exceeded monthly and quarterly sales targets and KPIs.

• Proactively sourced and developed new business from internal and external referral networks.
• Leveraged working knowledge of banking products to create new client relationships.
• Contacted existing customers and informed them of new product offerings.
• Built and maintain the existing customer relationships, acting as a trusted advisor regarding a variety of banking activities.
• Assessed client feedback to continually refine and improve service delivery and customer experience.
• Led successful marketing campaigns to drive new business acquisition and deepen existing client relationships.
• Maintained strong knowledge of industry trends, sharing insights with clients as part of proactive advisory services.

SUPERVISORY RESPONSBILITIES :

• Supervised & managed personal banking teams and sales officers.
• Oversaw branch administration and lobby activities as Deputy Branch Manager.
• Monitored staff productivity and guided improvements with Branch Manager.
• Analyzed customer feedback to identify areas of improvements and implemented changes to boost satisfaction levels.
• Monitored accounts payable and receivables, raised invoices and reconciled accounts.
• Monitored daily banking transactions, identifying and addressing discrepancies promptly to maintain financial integrity.
• Implemented rigorous audit practices to reduce financial discrepancies and fraud.
• Acted as interim Branch Manager during vacations or absences from work; providing seamless leadership continuity without sacrificing operational efficiency.
• Optimized staffing levels by analyzing workload trends, ensuring efficient allocation of resources.

BRANCH OPERATIONS AND AUDIT COMPLIANCES :

• Monitored account opening errors and cleared audit alerts daily.
• Monitored the Anti Money Laundering alerts & evaluated the KYC alerts on the daily basis and make sure has been cleared or report to the senior management based on the validation.
• Authorized and verified all branch transactions.
• Reporting potential financial fraud and money laundering through formal escalation procedures.
• Investigated transaction alerts, maintained strict compliance standards.
• Managed branch keys, Vault and Locker Allocations.
• Implemented risk management protocols, reducing financial losses due to fraud or operational errors.

SALES:

• Managed cross-selling initiatives that expanded existing customer relationships while bringing onboard new clientele, contributing to the overall growth of the branch.
• Oversaw the loan approval process, maintaining compliance with lending regulations and policies.
• Met deadlines by proactively managing individual and team tasks and streamlining processes.
• Built long-lasting client relationships through excellent customer service and consistent followups.
• Implemented CRM systems for better tracking of leads, improving follow-up processes and communication within the team.
• Resolved problems with high-profile customers to maintain relationships and increase return customer base.

• Identified and developed new business opportunities, expanding existing client bases. Built and carefully managed loyal, profitable client bases.
• Advised clients on financial strategies and tailored solutions to meet unique needs.
• Built effective networks across business areas, fostering relationships based on mutual trust and encouraging collaboration.
• Assessed client asset portfolios to maximize return on investment.
• Promoted new financial products for enhanced investment scope.
• Cross-sold products to drive revenue while meeting individual client needs.
• Increased revenue by securing new accounts while providing value-added services to existing clients.
• Smashed monthly targets by growing high-performing client portfolio.
• Applied positive customer service approach to increase satisfaction levels. Offered friendly, efficient customer service and handled challenging situations with ease.