HIRALKUMAR PATEL

Business Development ManagerFull Time

• Job Details:• I am responsible for overall product strategy, research and development requirements, and coordination for new and emerging products • I make improvements or modifications in current processes • I manage day-to-day progress of product and conduct marketing analysis to develop product definitions • I collaborate with variety of functional areas such as information technology, marketing and operations to develop and provide product definitions responsive to customer needs and market opportunities • I develop and maintain a prioritized list of customer and market requirements for product • I prepare product development objectives and schedules for all phases of product development and introduction to market • I generate ideas for new products and researching feasibility in terms of profitability, resource availability and compliance with regulations • I recommend the nature and scope of present and future product lines by reviewing product specifications and requirements • I produce competitive analysis materials comparing product with its key competitors • I establish networks, create and manage alliances with multiple channels to enhance product positioning • I maintain communications and contacts to collect and analyze marketing, financial, schedule, and sales information for product line.

Branch ManagerFull Time

• Job Details:• I achieved incremental number and value target for liability products like current accounts, savings account, and fixed deposits, whereas in asset products month wise achievement of Home Loan, Auto Loan, Personal Loan and Gold Loan and above all the increase the profitability of Branch, I use to sell Life Insurance Products, Mutual Funds, and General Insurance Products • Month on Month I used to prepare a proper sales plan for my branch and implement the same, so that I can achieve all the targets set over me on liability, asset and fee products • I achieved success in achieving incremental growth of my branch general ledger size by 10% every month • As a branch manager, I used to meet 5 customers of my catchment everyday which were categorized into HNI clients, renowned business persons, government employees and senior citizens • I ensured that there would be very much minimum wait time for my customers, as per their service required • I used to conduct customer meetings every two weeks in my branch, so that customers become familiar with branch officials, and we can take correct steps to improve our customer services, which customers expect • In this span of four years, there were zero critical requests from my branch • I also worked on any escalation by the customer and solve the same within the specific time periods • I also ensured that operations and risk control at my branch are in line with internal and regulatory guidelines and as per operations manual and E-circulars which were issued by bank, time to time • I used to check various reports on daily basis like irregularity report, exception reports, TOD reports, pending entries in system, if any. • I used to sell different attachments like recurring deposits, systematic investment plans, salary transfer, so that customer start using his account as primary account, which in turn will result into transfer of funds from all his other bank accounts in my account • As a branch manager, I also use to check the external appearance of my branch like fascia, directional signage, entrance, parking area, ATM linked with my branch, notice boards updated on daily basis and proper posters • I used to recruit and train new value bankers and privilege bankers of my branch and went to meet new customers with them for first three months after their joining, so that I can train them with proper etiquettes required for customer meetings and product closures • Every Saturday I used to conduct a role play based on various products of the bank, through which their selling skills can be improved and by which they go and explain different products of the bank to the customer confidently

Relationship ManagerFull Time

• Job Details:• As a Relationship Manager I used to map the catchment area thoroughly and take the branch manager signoff on the same, segment the catchment and identify areas where account sourcing needs to be done • I used to distribute the targeted catchment area between the Relationship Officers, and create and demand funnel for each sales officer so that they meet the targeted accounts productivity • I used to create a monthly activity plan for each Relationship Officer so as to generate the required quantity and quality of leads as arrived at in the Demand Funnel Activity Plan to take into account the Privilege Accounts mix required and the average balance for all accounts sourced. • I also ensured that the number of Relationship Officers is as per the control number. • I used to take periodic review of Relationship officers on various parameters as number of sales call on daily basis, check whether activities are carried out as per monthly plan, and targets are achieved on weekly basis, so that there will not be any impact on monthly target • I also ensured that Relationship officer is sourcing a product, as per the KYC norms implemented by the bank and all the products that are sold are compliant and that due diligence has been done for every product sold • I used to randomly visit customer whose account was opened by Relationship officer to check whether all the process defined by the bank has been followed by the Relationship officer or not • I used to conduct morning meeting everyday for 15-20 minutes before opening the branch with my team of relationship officers to discuss any new process or product, or any difficulty, they face on previous day • I used to go on outbound calls with one Relationship officer on daily basis, so that I can review his knowledge and his implementation of bank process