Vidhya Devarajan
Argyle
Summary
With Four years of experience in Finance/Accounting/Retail Banking as a Branch Manager, achieving sales goals,managing operations, and providing high-level customer service.
Overview
4
4
years of professional experience
Work History
Branch Manager
HDFC Bank
Chennai
12.2017 - 07.2019
- Managed branch performance, achieving key sales and service targets.
Established sales goals and delivered strategic guidance to employees for success. - Achieved expansion of branch book size to 13 crores from 8 crores with improved savings and deposits.Strengthened asset base to 18 crores from 10 crores by promoting diverse loan products.Augmented Wealth Management initiatives, elevating mutual funds and life insurance to 30 lakhs from 9 lakhs.
- Oversaw and guided team of 12 employees by executing management tasks, including performance appraisals, promotions, salary adjustments, coaching, training, development, and disciplinary actions.
- Reduced operational costs by 20% through process optimization andcost cutting measures.
- Conducted periodic audits to ensure compliance with applicable bank policies, guidelines and regulations related to operations, loan disbursement, internal control testing, external audit reviews for corrective measures resulting in no major non-compliance issues.
- Authorize for any transaction postings like exceptions on postings andreversal of charges.
- Negotiated repayment terms with customers for delinquent loans to minimize losses.
- Created a new customer onboarding process and compliance with KYC regulations that streamlined the sign-upprocess and reduced the average on boarding time.
- Scheduled training to new employees on KYC regulations,procedures,and best practices.
- Investigate, Monitor, and reviewed the high-risk / other customer profiles, accounts for suspicious activity or transactions to ensure compliance with AML regulations.
- Experienced in monitoring security and handling incidents in a calm and professional manner.
- Adept at conducting inventory counts, verifying stock levels, and forecasting future needs.
- Proven leadership skills, including the ability to conduct weekly staff meetings, motivate staff members,address concerns, and evaluate progress towards goals.
- Manage, track audit and risk issue remediation progress and reporting
Prepare Audit/Compliance readiness and coordination and ensure all processes are well documented
Teller Operations Manager
HDFC Bank
Chennai
06.2016 - 11.2017
- Supervised team of three to five tellers to ensure completion of daily tasks and exceptional service.
- Ensured accuracy of cash and financial transactions through timely reporting of daily totals.
- Developed and implemented process improvements to enhance productivity and security.
- Monitored customer accounts to identify upselling opportunities for services and products.
- Managed daily inventory and balanced cash to maintain operational integrity.
- Conducted new hire training and mentored staff to uphold quality standards in service.
- Resolved customer inquiries and complaints professionally to maintain satisfaction.
- Performed daily financial reporting for senior management to support decision-making.
Welcome Desk
HDFC Bank
Chennai
08.2015 - 05.2016
- Cultivated new leads through strategic networking and innovative sales techniques.
- Serviced customer inquiries and complaints promptly, achieving high satisfaction scores.
- Developed opportunities via cold calling and relationship building with potential clients.
- Maximized sales opportunities by upselling and cross-selling products to existing customers.
- Suggested banking products and services that suite customer needs.
- Achieved sales goals by 100% through upselling and cross-selling additional products and services.
- Analyzed customer data to uncover opportunities for upselling and cross selling products.
Education
BSC(ISM) - Management Information Systems
JUSTICE BASHED AHEMD SAYEED COLLEGE FOR WOMENS
INDIA , TAMIL NADU07-2014
Skills
- Customer service
- Cash handling
- Audit preparation
- Conflict resolution
- Staff training and development
- Customer engagement
- Sales target achievement
- Marketing strategy
- Sales strategy development
- Retail operations
- Team building
- Lead generation
- MS office
- Customer relationship management
- Scheduling and coordinating
- Quality control
- Organizational skills
- Cash reconciliation
- Team leadership
- Sales management
- Financial reporting
- Regulatory compliance
- KYC procedures
- Multitasking
- Teamwork
- Operations management
- Performance appraisal
- Loan processing
- Document verification
- Interviews
Languages
English
Full Professional
Tamil
Native/ Bilingual
VISA STAUS
- H4 EAD – No Visa sponsorship required
UNEMPLOYED (JULY 2019-STILL NOW)
- I worked in India before getting married. My spouse’s job brought us to Texas, USA, so we relocated here. Initially, I was on a dependent visa and unable to work or actively search for a job. However, last year we applied for an Employment Authorization Document (EAD), and I was approved. Now, I’m actively seeking opportunities to gain exposure, expand my knowledge, and build a strong career for the future
Timeline
Branch Manager
HDFC Bank
12.2017 - 07.2019
Teller Operations Manager
HDFC Bank
06.2016 - 11.2017
Welcome Desk
HDFC Bank
08.2015 - 05.2016
BSC(ISM) - Management Information Systems
JUSTICE BASHED AHEMD SAYEED COLLEGE FOR WOMENS
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