Lijo Varghese
Sharjah
Summary
Personable Assistant Branch Manager skilled at providing empowering team leadership while ensuring efficient and productive branch operations. Accustomed to offering actionable solutions for process optimization resulting in reduced corporate costs.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Assistant Branch Manager
AL ANSARI FINANCIAL SERVICES
06.2015 - Current
- Provided outstanding customer care, offering friendly greetings, service and accurate currency exchange.
- Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.
- Supervised and evaluated staff to help improve skills, achieve daily objectives, and attain advancement.
- Developed and managed employee schedules, balancing individual requests and requirements with business needs.
- Processed foreign currency transactions – buying & selling foreign currencies at prevailing market rates, monitored forex rates time to time to avoid loss during currency fluctuations.
- Executed wire transfers, local & international remittances, processed salary payments through Wages Payment System either by cash or cheque, executed inward remittances, through different agent channels.
- Assisted customer enquiries on transactions, currency rates and products over phone as well as face to face.
- Verified customer identity before conducting transactions, collecting client's details in brief as part of KYC, complying with ANTI MONEY LAUNDERING and UAE Central Bank Policies.
- Purpose of remittances, relationship with beneficiary, Ultimate origin of funds, related documents are being verified and obtained while conducting transactions. Extra care is taken while processing Trade related transactions. Restrictions on certain Nationality, products are checked and verified before initiating transactions.
- Handled large quantities of cash safely and responsibly throughout deliveries and balancing procedures.
- Completed accurate transactions following internal standards, industry best practices, and applicable regulations.
- Upheld strict confidentiality and information protection standards for data.
- Organized financial documentation and statements with detailed and accurate information about transactions.
- Assisted Internal/External auditors - ensuring branch compliance.
- Verified customer data to detect and identify financial fraud.
- Promoted wide range of core products to existing and walk-in clients through cross-selling & up-selling.
- Trained and developed new team members in alignment with branch service standards and objectives.
Customer Service Representative
ICICI BANK LIMITED
03.2012 - 10.2014
- Handled customer complaints, providing appropriate solutions to guarantee positive outcomes.
- Employed active listening and product expertise to successfully resolve inbound queries.
- Involved in managing branch operations and delivering effective financial services to all clients.
- Acted as main teller, handled cash and recorded CBR entries on daily basis, assigned as key custodian, managed vault operations, recorded daily stocks.
- Recorded daily/weekly incoming & outgoing cash shipments to treasury, and prepared reports on same.
- Managed to record branch inventory stocks based on daily in & out, checked physically and tallied, daily cash and cheque handling including foreign payments.
- Investigating and reporting all discrepancies, assisting annual external audit.
- Specialized in Investment products (Cross selling & Outsourcing), Account opening & records maintenance.
- Expertise in giving clients financial advice on matters relating to loans, investments (short-term & long-term), securities and savings.
- Increased credibility and client awareness by developing technical / non-technical marketing collateral and presentations, public relations campaigns, articles and newsletters.
- Verified customer data to detect and identify financial fraud.
- Cultivated customer loyalty through exceptional service, promoting repeat custom and improved sales.
- Provided warm, positive customer care from arrival to departure, encouraging return visits and repeat spending.
- Adhered strictly to policies and procedures for continued company compliance.
Education
A-Levels - MBA (Financial Management)
Jaipur National University (Brilliance Education)
Dubai, U.A.E01.2022
A-Levels - Post Graduate Diploma in Banking Operations
Institute of Finance, Banking & Insurance (IFBI)
Karnataka, India11.2012
A-Levels - Bachelor of Commerce (Computer Applications)
Bharathiar University
Coimbatore, India04.2011
A-Levels - Higher Secondary (Commerce)
St.Thomas metric
India06.2008
Skills
- Forward-thinking
- Interpersonal/Communication skills
- Leadership
- Staff training skills
- Analytical thinking
- Sales proficiency
- Operations management
- Customer service-oriented
- Regulatory compliance
- Fraud detection and prevention
- Currency exchange
- Client retention strategies
- Microsoft Excel database management
- Customer Retention
- Audit Preparation
- Relationship Building and Management
Additional Information
Hobbies: Fitness, Reading, Learning Music
Language Efficiency: English, Hindi, Malayalam, Tamil
Certification
Training - Advanced Customer Service (NOV 2023)
Training - Counterfeit Detection Training (NOV 2023)
Training - Business Continuity Management (NOV 2023)
Training - Advanced Anti-Money Laundering (NOV 2023)
Training - Risk and Fraud prevention (SEP 2023)
Training - Information Security (NOV 2023)
Training - Personal Financial Management (NOV 2023)
Languages
English
Advanced (C1)
Hindi
Advanced (C1)
Arabic
Elementary (A2)
Malayalam
Bilingual or Proficient (C2)
Tamil
Bilingual or Proficient (C2)
Timeline
Assistant Branch Manager
AL ANSARI FINANCIAL SERVICES
06.2015 - Current
Customer Service Representative
ICICI BANK LIMITED
03.2012 - 10.2014
A-Levels - MBA (Financial Management)
Jaipur National University (Brilliance Education)
A-Levels - Post Graduate Diploma in Banking Operations
Institute of Finance, Banking & Insurance (IFBI)
A-Levels - Bachelor of Commerce (Computer Applications)
Bharathiar University
A-Levels - Higher Secondary (Commerce)
St.Thomas metric
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