Summary
Overview
Work history
Education
Skills
Certification
Languages
Timeline
Generic
Nidhiya Rajan

Nidhiya Rajan

Ajman,United Arab Emirates

Summary

Achievement-focused Bank Manager with over 10 years of experience in branch operations and business growth. Expertise in managing teams, optimizing processes, and ensuring regulatory compliance. Proven track record in enhancing customer satisfaction and achieving growth in deposits and loan portfolios. Strong focus on building client relationships and implementing strategic initiatives for improved profitability.

Overview

11
11
years of professional experience
1
1
Certification

Work history

Bank Manager

The Federal Bank
Kerala, India
08.2023 - 03.2025
  • Increased client base through targeted marketing strategies.
  • Coordinated staff training programmes, promoted professional development within the team.
  • Established performance goals for each department, improved overall productivity levels at the bank.
  • Client Relationship Management
    Develop and maintain strong relationships with HNI clients.
    Serve as a single point of contact for all banking and financial needs.
    Provide proactive and personalized service to ensure high client satisfaction.
  • Portfolio Management
    Manage and grow clients' financial portfolios by offering suitable investment and banking products.
    Conduct regular portfolio reviews and provide investment recommendations based on financial goals and market conditions.
  • Sales & Business Development
    Acquire new high-value clients through networking, referrals, and lead generation.
    Cross-sell a wide range of banking products including savings accounts, fixed deposits, loans, insurance, and mutual funds.
    Meet revenue and asset growth targets.
  • Financial Advisory & Planning
    Understand clients' financial goals and risk appetite to provide tailored financial advice.
    Offer solutions such as wealth planning, retirement planning, tax-saving investments, etc.
  • Compliance & Risk Management
    Ensure adherence to bank policies, KYC/AML guidelines, and regulatory compliance.
    Monitor account activities for irregularities and report suspicious transactions.
  • Customer Retention & Service Excellence
    Address client issues promptly and professionally to enhance customer loyalty.
    Organize customer engagement activities and investment seminars to strengthen client relationships.
  • Reporting & Documentation
    Maintain detailed client records and prepare periodic reports on portfolio performance and service metrics.
    Ensure accurate documentation for all transactions and advisory services.

Assistant manager

The Federal Bank
Kerala, India
08.2014 - 08.2023
  • Client Relationship Management
    Develop and maintain strong relationships with HNI clients.
    Serve as a single point of contact for all banking and financial needs.
    Provide proactive and personalized service to ensure high client satisfaction.
  • Portfolio Management
    Manage and grow clients' financial portfolios by offering suitable investment and banking products.
    Conduct regular portfolio reviews and provide investment recommendations based on financial goals and market conditions.
  • Sales & Business Development
    Acquire new high-value clients through networking, referrals, and lead generation.
    Cross-sell a wide range of banking products including savings accounts, fixed deposits, loans, insurance, and mutual funds.
    Meet revenue and asset growth targets.
  • Financial Advisory & Planning
    Understand clients' financial goals and risk appetite to provide tailored financial advice.
    Offer solutions such as wealth planning, retirement planning, tax-saving investments, etc.
  • Compliance & Risk Management
    Ensure adherence to bank policies, KYC/AML guidelines, and regulatory compliance.
    Monitor account activities for irregularities and report suspicious transactions.
  • Customer Retention & Service Excellence
    Address client issues promptly and professionally to enhance customer loyalty.
    Organize customer engagement activities and investment seminars to strengthen client relationships.
  • Reporting & Documentation
    Maintain detailed client records and prepare periodic reports on portfolio performance and service metrics.
    Ensure accurate documentation for all transactions and advisory services.

Education

Post Graduation in Banking and Finance - Banking and Finance

Manipal University
Bangalore/India

Bachelor of Technology - Electronics and Communication

Amal Jyothi College of Engineering / MG University
Kerala/ India

Skills

    1 Leadership & People Management

  • Team leadership and staff supervision
  • Performance management and staff training
  • Conflict resolution and decision-making
  • Motivating and mentoring teams
    • 2 Customer Relationship Management
  • High-level customer service and satisfaction
  • Handling VIP and high-net-worth clients
  • Complaint resolution and client retention strategies
  • Needs-based selling and relationship building
    • 3 Sales & Business Development
  • Driving branch sales targets and revenue growth
  • Cross-selling and up-selling financial products
  • Local market analysis and client acquisition
  • Developing and implementing sales strategies
    • 4 Banking Operations & Compliance
  • Branch operations oversight
  • Regulatory compliance (KYC, AML, RBI norms, etc)
  • Risk management and internal controls
  • Auditing and documentation accuracy
    • 5 Financial & Analytical Skills
  • Financial statement analysis and credit appraisal
  • Budgeting and expense control
  • Loan underwriting and recovery processes
  • Data interpretation and MIS reporting
    • 6 Technical & Digital Proficiency
  • Core banking systems (eg, Finacle, Flexcube, T24)
  • MS Office (Excel, Word, PowerPoint)
  • Digital banking and mobile banking platforms
  • CRM and data management tools
    • 7 Communication & Interpersonal Skills
  • Strong verbal and written communication
  • Client negotiations and persuasion
  • Team collaboration and coordination
  • Public speaking and presentation

Certification

  • JAIIB (Junior Associate of Indian institute of Bankers)A Certificate offered by the Indian Institute of banking and Finance.
  • CAIIB (Certified Associate of the Indian Institute of Bankers)provide advanced knowledge necessary for better decision making covering Treasury Management, Risk Management, Balance Sheet Management, Credit Management, International Banking, Economic Analysis etc.
  • Certification in Customer Service and Banking Codes and Standards.
  • Certification in NISM (National Institute of Securities Markets)This certification is mandatory for those who want to work in the financial markets.
  • SP Certification, valid certificate of registration issued by IRDIA, for solicitation and servicing of insurance business for any of the specified category of life, general, health


Languages

English
Fluent
Malayalam
Proficient (C2)
Tamil
Proficient (C2)
Hindi
Intermediate

Timeline

Bank Manager

The Federal Bank
08.2023 - 03.2025

Assistant manager

The Federal Bank
08.2014 - 08.2023

Post Graduation in Banking and Finance - Banking and Finance

Manipal University

Bachelor of Technology - Electronics and Communication

Amal Jyothi College of Engineering / MG University

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Nidhiya Rajan