VIKAS KUMAR KESHRI

Mobile: +91- 8983602053 E-Mail: vikaskeshri87@gmail.com

Summary
Banking professional offering 14 years of diversified experience in Team handling, KYC, Compliance, Operations,
SME. Dedicated in achieving customer satisfaction as well as meeting or surpassing company expectations.

ORGANISATIONAL EXPERIENCE

June’21-Till Date RBL Bank Ltd, Pune

Job Title: Insignia Relationship Manager

Grade: Assistant Vice President

Responsibilities of this position:

 Performing Portfolio allocations, reviews & financial check-ups for each client at defined frequency.
 Collaboration with product specialists to ensure engagement of clients with superior and tailored wealth
management and business banking solutions.
 Work in close coordination with Client Experience Manager s to deliver superior service to clients.
 Ensuring adherence to Compliance processes and guidelines.
 Reduce rejection rates and improve quality of documentation.
 Ensuring 360 client engagement - Total Client Ownership

Aug’18-May 21 DBS Bank India Ltd, Pune

Job Title: Customer Relationship Manager

Grade: Associate

Responsibilities of this position:

 Responsible to handle team of Virtual Portfolio Manager’s for driving cross sell to the existing portfolio.
 Ensuring service excellence to enhance the portfolio, control retention and better cross-sell
 Ensure compliance to banking guidelines, quality framework and audit requirements
 Take a lead role in developing and implementing best practices
 Manage Relationships of mapped clients to deepen their wallet share & ensure regular client contact to win
client trust and business. To ensure quick implementation of the conversions for fast realisation of revenues.
 Drive Liabilities cross sell of Liability clients for CA,TD and other transaction banking products in line with the
targets set out/ Leads provided from existing portfolio.
 Responsible for ensuring growth in existing portfolio and ensuring cross-sell of Cash, Trade and Fx products.
 Move customers on Alternate Delivery Channels
 Take initiatives on Improving Customer Experience of SME customers
 Portfolio upgrade as well growth of relationships migrated from the acquisition manager.
 Support city heads in implementing liabilities strategy and meeting revenue budgets.
 As a Team Player, work closely with Local Sales, regional Managers, Large Business Relationship Managers
and other stakeholders to increase wallet share of portfolio.
 Ensure that the training needs are identified for self, communicate to the central team for getting the relevant
training program done.
 To track customer complaints/queries and turnaround times for customer satisfaction

Feb’18- Aug’18 Kotak Mahindra Bank Ltd, Pune

Job Title: Business Banking Relationship Manager

Grade: Senior Manager

Responsibilities of this position:

⮚ Develops new and expands existing High Net worth Customer relationships for liabilities and commercial
assets.
⮚ Ensures high levels of customer service orientation and application of bank policy.

⮚ Cross sells existing bank products to customers.

⮚ Informs customers of new products or product enhancements to further expand the banking relationship.
 ⮚ Plans and conducts special sales initiatives and events for prospective and existing clients.

⮚ Coordinates with other group companies to provide seamless access to other products.

⮚ Maintains complete relationship record for assigned customer accounts.

⮚ Tracks customer complaints/queries and turnaround times for customer satisfaction

Aug’16-Jan’18 YES Bank Ltd, Pune

Job Title: Branch Relationship Leader (YES FIRST)

Grade: Manager

⮚ To ensure acquisition & value build of new to Bank YES FIRST BUSINESS Product/Program & Trade/Fx led CA
customers in the branch in the identified segments
⮚ To Identify, build, acquire and deepen relationships to gain incremental wallet share of the high value
segment through a superior customer experience
⮚ To ensure high value enhancement through acquisition & deepening in the mapped portfolio

⮚ To recognize and understand a client's global banking needs in order to provide holistic financial solutions in
collaboration with the PSM
⮚ To focus on profile based cross sell of value added products such as Trade Forex, CMS, POS, Payment
gateway solutions, doorstep banking, working capital / loan needs & OPDT and family SA
⮚ To ensure Sales process adherence & desired value productivity of BRPs

⮚ To ensure that team of BRPs meets Yes Performance standards (YPS)

⮚ To ensure catchment mapping & scoping for the CA business with the help of BRPs along with BBL & prepare a
wish list of potential high value customers from each identified segment in the catchment
⮚ To maintain continuous customer engagement with all customers sourced by self & team through customer
visits & proactively resolve customer issues/queries
⮚ To implement the sales monitoring mechanism to measure the productivity of the team

⮚ To Adhere to sales process & KYC Norms of the bank

Apr’14-July’16 HDFC Bank Ltd, Pune

Job Title: Assistant Branch Manager

Grade: Deputy Manager

Responsibilities of this position:

⮚ Achievement of new acquisition value and number plan for retail current accounts for the branch

⮚ Responsible for monitoring the portfolio health of all newly acquired non-managed retail current accounts in
the branch, with respect to on-boarding, activation, value build-up & AQB maintenance
⮚ Understanding the customer business and prepare customer profile.Focusing on ‘Profile-based selling’
approach, for sell of value added products/services such as Trade Finance/Fx, CMS, POS / Payment gateway
solutions, doorstep banking etc.
⮚ Ensuring proactive customer migration to direct banking channels,such as Cards, Net Banking / E-Net, Phone
Banking, Insta-Alerts,
⮚ Email Statements etc depending on customer need and transaction preference.

⮚ Exploring potential for new to bank liability customer acquisition –through referral from group companies /
business associates (dealer/vendors etc.) of portfolio customers.
⮚ Maintain continuous customer engagement through customer visits contacts, and proactively resolve customer
issues / queries.
⮚ Action on central triggers / initiatives on enhancements, cross sell and portfolio monitoring.

⮚ Managing team– Creating high performing team and managing this team to their highest performance,
reaching the bank’s goals.
 Dec’12-Dec’13 HDFC Life, Pune

Job Title: Corporate Agency Manager (Bancassurance)

Responsibilities of this position:

⮚ To achieve sales targets from assigned channel partner branches with the help of Branch Managers and
Specified persons of the channel partner.
⮚ To create / maintain excellent relationships with the assigned branches and with the specified persons.

⮚ To drive and motivate the channel partners sales team

⮚ Implement and drive the sales promotion schemes

⮚ Co-ordinate the proposal to policy conversion process

⮚ To positively promote the Company, its mission and core values

Feb’08-Jan’12 ICICI Bank Ltd , Rajasthan

Job Title: Customer Service Officer

Grade: Officer

Roles & Responsibilities handled:

⮚ Responsible for management of day to day operations of the branch.

⮚ Ensuring strict adherence to prescribed processes, audit and regulatory requirements.

⮚ Timely input for customer transaction/ service request

⮚ Branch Lobby and customer Queue management.

⮚ Managing cash (including FX and TCs) at the branch and ensuring that cash (including FX and TCs) is within
branch limit.
⮚ Customer complains management and ensuring resolution of all complaints within TAT.
Be responsible for the AML & KYC compliance of the various account opening forms submitted to CPC/RPC

ACADEMIA

2008 Post Graduate Diploma in Banking Operations from Institute of Finance Banking & Insurance with 66%.
2007 B.Com. DDE College, Patna University with 51.83%
2004 XII DDE College, Patna, Bihar, Bihar Intermediate Education Council with 55.11%
2002 X from DAV, Patna, Bihar, Bihar Board with 64.11%.

IT FORTE

⮲ Proficient in Finacle, Flexcube, CRM, Ms Excel, FCRM, Esearch, Trade Factory, SFA and I-View.

PERSONAL SNIPPETS

Languages Known : English and Hindi.

Date of Birth : 16th December 1987
Address : Flat no-103, Oriana Society, Wing-B, Pimple Guruv, Pune.Pin-411061