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Banking Professional with 14 years of retail banking experience.

Shri Shivaji Maratha Society's Institute of Management and Research

J.D. Bytco College of Commerce

Senior Manager

Ashish Joshi

Chegg India Pvt. Ltd.

Freelance Subject Matter Expert

Acquired Skills while working as a subject matter expert
1] Online Tutoring.
2] Helping students to get acquainted with the topic in easiest way.
3] Solving doubts of students promptly and within committed deadline.


	Worked as Branch Head at HDFC Bank Ltd., Ratnagiri Since Dec. 2018 to June 2019. During the tenure with HDFC Bank are the major highlights of my performance and learning :- 
1] Helping customers with ease to migrate to new channels such as Digital Applications, Online platforms for availing various banking services.
2] Cross selling of different products available in the basket of the bank. Apart from the regular deposit products cross sold the digital offers available to customers based on their relationships. Cross selling of loan products according to the need of the customers.
3] Scoping of the catchment and customer base management in and out of the sphere of catchment available.
4] Migrating customers of different profiles to the digital platform by educating them conveniently.


HDFC Bank Ltd.

Senior Manager/Branch Head

	Worked as Branch Head at IDBI Bank Ltd. at various locations according to the need of the organization. During the tenure with IDBI Bank following are the major highlights of my performance and learning:-
1] Acquired the skill of managing large teams at large branches.
2] Resource management at smaller locations without hampering the customer service and striving for customer delight.
3] Retail operations management. 
4] Acquired skills of retail credit sourcing, Appraisal, monitoring, recovery and entire credit management process.
5] Organizing potential customer gatherings at different locations and educating them about the facilities and services available with the bank along with the government schemes.
6] Acquired the skills of relationship management with corporate and Government institutions as well as officials.

Major Achievements :-
1] Got the opportunity to set up new branch at Kolhar and was led the team for 3 years as a branch head. Mobilized deposits worth Rs. 108 cr and a credit portfolio worth Rs. 85 cr. In three years which brought the branch in profit.
2] Received appreciation for audits, key accounts management and asset quality from time to time.
3] Received appreciation for achieving the cross selling targets and meeting the yearly targets of the branch from time to time.
4] Relationship management helped me in acquiring the new customer base from the Private companies and Government institutions in a larger extent.


IDBI Bank Ltd.

Manager / Branch Head

Career Highlights 
	Started my career with ICICI Bank as an Officer. During the tenure with ICICI Bank following are the major highlights of my performance and learning:-
1] Retail Banking operations and Cash Management along with delightful customer service.
2] Cross selling of Different products of the bank to the customers with multi tasking.
3] Advancements in my operational skills and efficiency.
4] Audit Management and statutory reporting along with compliance.
5] Customer value and time management with honoring commitments.
6] Relationship building and management.
7] Interpersonal effectiveness with relationship management.

Major Achievements :-
1] Relationship Management helped me in delivering the quality customer service, honoring my commitments and sourcing new business resulted in achieving my individual targets and contribution to the branch.
2] Received appreciation for all the bright performance in contests and annual events from time to time.
3] Received promotion of Senior officer.


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