Objective to be a leader in the banking and financial operations with overall growth of organization as well as individual



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Sudhir A. Bhoite


OBJECTIVE

To be a leader in the banking and financial operations with overall growth of organization as well as individual.
KEY / PROFESSIONAL SKILLS

Wholesale Banking, Retail Banking, Corporate Banking, Branch Banking Operations, Know Your Customer (KYC), Anti Money Laundering (AML), SIEBEL, Branch Sales, Bank Clearing Operations, Cash Management Services (CMS) Operations – Collections & Payments, Capital Market Operations – Initial Public Offerings / Book Building Issues (IPO), Refunds / New Fund Offers (Mutual Fund), Process Re-engineering and Automation, Risk Management, Finacle, Courier Management Operations, Logistics - Vendor Management, Outsourcing, Six Sigma, Record Maintenance, Cost Management and Office Administration.


SUMMARY

  • Strong, interpersonal analytical & problem solving skills, team leader, flexible, committed and constant feedback seeker.

  • Focus on results, active involvement & inclusiveness, maximum challenges and entrepreneurial creativity.

  • Diverse potential of hard and soft skills in aid to drive organisations strategic goals and vision

  • Customer Service Orientation


PROFESSIONAL EXPERIENCE






Mar-14 - to Sep-14

June-11 – to Mar-14

Sep-08 to May-11


Jan-05 to Aug- 08 -



Kotak Mahindra Bank Limited, Thane

Department : Retail Liabilities, Branch Banking

Designation / Role : Manager, Branch Operations - Service Delivery
Work Profile:


  • Selling & cross selling of CASA, TD, RD, MF, Life Insurance, Personal Loan, Gold Loan, Home Loan, Credit Cards, Gold and Mutual Funds to the new, existing and walking customers.

  • Surprise checking of Key Movement Register, Cash Registers, Branch Deliverable Register, Passbook Register, ATM Cards Register, Cheque Books Registers and PINS Registers etc.

  • Managed single handed authorisation of Cash Receipts & Payment, Fund Transfer, RTGS, NEFT, Branch Opening & Closing Entries etc.

  • Active participation in projects like Jan Dhan Yojana, Promotional Schemes, Service Quality, Parichay and Customer Feedback etc

  • Co-ordination with Clearing, CPC, RPC, CMS, Treasury & Other branches for customer queries & complaint resolutions.

  • Designed process for having necessary approvals for audit purpose on record in soft & hard copies.

  • Performing duties within regulatory, procedural compliance & guidelines issued from time to time.

  • Educated, encouraged and guided walk in customers for utilising direct banking facilities.

  • Reporting of Daily Huddle, Counterfeit Note & Unusual Events to the top management.

  • Continuous focus on customers for funding account, renewal of TD & Insurance etc.

  • Updation of Branch Mandatory Display, CCTV, ATM after regular intervals.


  • Co-ordinated with Branch Sales Team, RO, RM for better customer service.

  • Managing Customer Service with quality, speed and accuracy at front desk.

  • Checking, processing and dispatching AOF via Ticket Ids to CPC & RPC.

  • Co-ordinated with Currency Chest for cash requirement for branch.

  • Handled Re-KYC for around 750 customers without affecting TAT.

  • Processing and responding customer queries through SIEBEL.

  • Branch Lockers handling and updation in the system.

  • Maintained & monitored all branch deliverables.

  • Chief custodian of branch keys.



Kotak Mahindra Bank Limited, Mumbai

Department : Mumbai LCC Clearing Operations

Designation / Role : Manager, Inward & Outward Clearing Supervisor
Work Profile:


  • Successfully managed Inward & Outward Clearing team of 50 members including bank staffs, outsourced & vendors.

  • Successfully managed CTS & MICR Inward & Outward Clearing end to end processing.

  • Successfully managed key responsibilities such as RBI, Internal & external audits, branch & LCC level queries, Inflow & Outflow Registers, Treasury Reporting, Monthly Dash Boards, Daily MIS, errors tracking, attempted & actual frauds, Unusual Event reporting to the senior management.
  • Set up of customer service desk to investigate customer complaints and queries, analyse with permanent resolution


  • Co-ordination with RBI, NPCI, business team, IT, vendors and other banks for smooth functioning of clearing process.

  • Rights to authorise any amount of transactions for inward and outward clearing.

  • Designed process for having necessary approvals for audit purpose on record for all functions.

  • Ensured compliance to the laid down policy/procedures for all the functions.

  • Special attention to identify / escalate the accounts with huge unprofitable / unproductive volumes, regular & high percentage of returns, cases of potential misuse of the banking systems.

  • FRFC management for all the important and secured documents.

  • Co-ordination with records management with OEC for entire clearing.

  • Management of Business Continuity Plan.

  • Having cordial relationship with management, staffs and colleagues.

  • Ready to perform any other responsibilities entrusted from time to time.


Department : Cash Management Services

Unit : Collections & Payments, Logistics & Capital Markets Operations

Designation : Deputy Manager
Work Profile:

  • Implementation of decentralised process & various cost reduction initiatives in order to achieve strategic goals (Cost/Revenue/TAT’s) of the organisation.

  • Identified, created & implemented hubs for decentralisation process for CPC, CMS & LCC for Cheque & Cash pickups.
  • Drafted processes, procedures, standards and Service Level Agreements for Collections, Payments, DWMS, IPO / NFO & Logistics as per ISO Standards, RBI Guidelines & Outsourcing Policy of the Bank.


  • Appointment of the quality Service Providers through proper techniques / mechanism as Vendor Identification, Rates Negotiation, Market Feedback, Business Requirements, Vendor Evaluation, Annual Due-Diligence Review for every year.

  • Surprise visits to Service Providers & clients places to seek the feedback

  • Focus on continuous process revision & exploring the possibilities of process re-engineering or automation by identifying areas of improvement.

  • Monitored independently on-going progress of the various initiatives to identify key loop holes and various actions to be taken to align it with standard process / goal.

  • Continuous monitoring of Courier Tracking & Delivery Standard as per laid down Service Level Agreements for CPC, CMS hubs & LCC’s across the region for smooth functioning.

  • Monthly preparation of Dash Board, SEBI Reports, Provisions, Actual v/s Budget, Cost Savings Initiatives with analysis.

  • Ensured to manage cost within the budget; any deviation shall be reported to senior management with justification to boost top-line improvement.

  • Monitored payments of all the Service Providers bills on time and as per agreements ensuring no income leakage & no excess or double payment

  • Maintained, monitored & analysed Query Register to ensure quicker query resolution and strict focus on non-occurrence in the future.

  • Close coordination with Business Units & Operations Units for setting up of new locations arranging for pickups at existing and new locations as per laid down processes.

  • Conducted training and induction programs for hubs, inter-departmental personnel & service providers.




  • Successfully testing & implemented Business Continuity Plan (BCP) once in a every quarter.
  • Assisted in creating healthy environment in the organisation by creating “employee morale raiser” initiatives on various occasions


  • Coordination for the Record Management with NAX for all the units.

  • Liasioning with HR team for manpower requirement for CMS / LCC units.



Achievements :

  • Part of “Best Team of the year 2008” for successfully handling Reliance Power Ltd., Future Capital Ltd. etc. initial public offerings (IPO)

  • Awarded as “The Star Of the Year” for 2008 & 2011; “The Star Of the Quarter for “Jun-Aug-12 & “The Star Of the Month” for Jan-11, Jan-12.

  • Awarded “Certificate of Recognition” for the part of growth story of Kotak Bank for the 5 years

  • Single handed managed 1800 Cheque & Cash pickups through 20 Service Providers with their network of around 500 plus locations across the country

  • Active participation in the system transition process from Flex to Finacle, MICR to CTS Clearing and Cash@Will to Cash-in.

  • Set up of Service Providers at 60 locations for Mutual Fund applications & cheques pickup, processing and scanning as per SEBI guidelines.

  • Logistics plan with drop box facility provided for Birla Mutual Fund, Airtel, Idea, Tata Power Ltd, Kotak Life Insurance & BEST Undertaking.

  • Having good professional as well personal relationship with Management & the business partners like Asset Management Cos, Shares & Transfer Agents, Brokers & Syndicate Members, Security Printers, Cash & Cheque Pickup agencies, Couriers, Co-ordinators, Service Providers, Storage Management Cos & Manpower Agencies etc.

  • Maintained audit ratings as 97% (ISO audit, Internal / External audit, Process Audit etc)
  • Avoided operational loss of 5 Lacs by identifying fraud cheques.


Department : Cash Management Services

Unit : Payments – Operations Logistics / IPO / NFO / DWMS

Designation : Assistant Manager
Work Profile:

  • Designed, developed & implemented various vendor management processes

  • Designed, maintained, monitored & documented Key Control Standard (KCS), Key Result Area (KRA) in respect of daily, weekly and monthly activities for the unit.

  • Administered various FS products in the process of issuance and closure

  • Contributed to the client development by identifying and building mutually beneficial relationships

  • Aided in cost effectiveness drive by internal process design standardisation

  • Prepared various reports, dash boards for different associated groups






2002-2005



ICICI Home Finance Co. Ltd., Mumbai

Department : Cash Management Services

Unit : CMS Collections – Logistics Operations

Designation : Senior Executive
Work Profile:

  • Developed all India vendor network of about 400 locations for local and upcountry cheque distribution system in span of 6 months (benchmark is 8-10 months)

  • Developed various operational processes and procedures in smoother transition of work for various govt as well as privates like Birla 3M, Reliance Infocom, HPCL, Govt. Tax Collections etc

  • Handled ground level work for different types of financial services products


  • Prepared daily MIS reporting and efficient query management and delivery account

  • Designed process for vendor bill processing adhering to compliance of regulatory requirements

  • Rolled-out “Courier Management Software”

  • Helped in various administration work relating to job responsibilities





1997-2002




Ashok Trivedi & Company, Chartered Accountant, Mumbai

Department : Accounting, Taxation, Finance & Audit
Designation : Accounts Assistant
Work Profile:

  • Handled activities relating to accounting, taxation & auditing for various business concerns

  • Settling queries & claims with different government authorities relating to various types of taxes

  • Conducted statutory, concurrent & tax audits at client as well as in-house site


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