JOSEPH PRIVINSHA

SUPERVISORY RESPONSBILITIES :

• Supervise & monitor personal banker desks, teller & sales officers.
• Branch Administration & Lobby Management.
• Ensure quality customer service is delivered & resolution of customer queries / complaints.
• Customer Service to ensure walk in Customers issues resolved.
• Monitor staff productivity and give guidance on improving the same in conjunction with the Branch Manager.
• Resolved customer complaints quickly and professionally to maintain satisfaction.
• Set team performance goals and monitored progress to encourage attainment.
• Monitoring whether fortnightly reports and monthly reports has bees submitted.
• Monitoring of dummy accounts, suspense accounts, deferred accounts, accounts payable/receivable.

BRANCH OPERATIONS & AUDIT COMPLIANCE :

• Daily monitoring branch level AOF exceptions and Audit alerts and ensure the same has been cleared.
• Verifying and Authorising all cash transactions & entries made by teller.
• Everyday monitoring AML alerts and KYC alerts of the customers.
• Need to verify the identity of the customer to ensure proper deliverables happen.
• Verifying Physical cash and Vault breach limit.
• Ensure the Locker Allotments and verifying Gold Loan process.
• Need to verify the KYC of the customer and branch dedupe for account opening and ensure the same should be captured in the system.
• Daily verifying and duly signed the branch level reports( cash, DMS, Vault reports, LTR).
• Oversaw audits to collate accurate data and recommend constructive improvements.
• Ensured successful operations of branch, managing annual budgets.
• Process Death Claim and STRs.

SALES:

• Identified new business leads and achieved high conversion rates to exceed growth targets.
• Performed monthly and quarterly employee performance appraisals.
• Used social media platforms to promote products and services to target audiences.
• Secured new clients and supported B2B business development.
• Submitted loan applications to loan underwriter for verification and recommendation.
• Boosted branch sales by developing and deepening customer loyalty through incentive programmes.
• Represented business in negotiations with external partners.
• Motivated sales teams to deliver faultless service, uplifting account activity.
• Delivered services to customer locations within target timeframes.
• Oversaw all aspects of branch management, including sales, revenue and policy enforcement.
• Developed key operational initiatives to drive and maintain substantial business growth.

• Identified and developed new business opportunities, expanding existing client bases. Built and carefully managed loyal, profitable client bases.
• Sourced new business through strategic networking to maximise investment opportunities.
• Researched financial products thoroughly to provide thorough, reliable client guidance.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.
• Analysed risk across client assets, maintaining investment security.Performed thorough risk assessments to minimise investment issues.
• Assessed client asset portfolios to maximise return on investment.Promoted new financial products for enhanced investment scope.
• Cross-sold products to drive revenue while meeting individual client needs.Led cross-functional teams to implement client projects and initiatives.
• Grew network through research and brand promotion at business development and sales events.
• Converted new personal banking client accounts with consultative sales approach.
• 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.
• Used expert knowledge of investment markets to create profitable financial strategies.Advised clients on relevant insurance for maximised investment security.