Saneesh Kozhissery Babu

Business analysis, Product development & partnership, Project management, Supervision, Team Manager, Call Center Operation, Report and insights, HR and administration, People Management, Sales and marketing.

1) Credit Manager \[November 2014 - February 2016\]
Portfolio : Retail Advances

~Analysis of credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal.
~Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
~A good understanding of the Risk Reward for each deal reviewed
~Well thought out decisions showing sound judgment where applications are within Delegated Authority
~Effective provision of analyses and recommendations where applications require referral
~Specialist knowledge of all types of Retail Credit, Term Loans, Trade Finance, Govt. Schemes, other Product knowledge as required
~Ensure compliance with policy, procedures, standards and reporting requirements, plus any relevant regulatory and statutory requirements. ~Identify market and book new business, while developing and increasing the share of wallet of existing business relationships.

2) Branch Manager \[April 2014 - October 2014\]
Portfolio : Retail Banking (Branch Administration, Relationship Management, Business Development, Credit)

~The role entails administration and efficient daily operation of the branch office, including operations, product sales, customer service, and security and safety in accordance with the Bank's objectives. ~Develops new deposit and loan business, provides a superior level of customer service and promotes the service culture through coaching, guidance and staff motivation.
~Provides leadership, training and supervision.
~Formulating business plans for overall development & accomplishment of top and bottom-line profitability.
~Recognizing new streams for revenue growth & developing marketing plans to build consumer
preference.
~Identify market and book new business while developing and increasing the share of wallet of existing business relationships.
~Develop new client relationship and negotiate with them for securing profitable business and networking with prospective clients for generating business in order to achieve profitability and sales growth.
~Managing customer centric operations & ensuring customer satisfaction by achieving delivery & service quality norms.
~Interfacing with clients for suggesting the most viable product range and cultivating relations for securing repeat business.
~Follow up of advances viz maintaining due date diary, and following up for recovery of bank’s dues, and follow up of various regulatory requirements.
~Ensure compliance with policy, procedures, standards and reporting requirements, plus any relevant regulatory and statutory requirements

3) Asst. Branch Manager \[October 2012 - March 2014\]
Portfolio : Retail Banking (Assets/Liability Products, Branch Operation, Credit Management, Customer Service)

The role entails supports the branch manager by overseeing the efficient operation of the branch to ensure all operational functions are completely and properly performed by the staff while conveying a feeling of trust, service, security and satisfaction to customer and staff. Responsible for overseeing the teller function, ATM balancing, and customer service duties. Acquire process knowledge and effectively resolve the escalations and complex queries with regard to process guidelines. Undertake quality checking of the work processed to ensure quality of customer acquisition. Process work as requested by line managers / customers to provide delightful customer experience. Ensure that work is completed in accordance with established procedures and
standards. Opening of Demand, Fixed, Credit accounts and operation in accounts and Finacle. Resolve customer complaints promptly and efficiently and communicate personally with customers to ensure customer satisfaction. Ensure operational excellence and integrity of the branch and keeps staff informed of pertinent changes
in operational policy and procedures.

The role entails identifying opportunity, establishing contact with prospective Corporate as well as SME clients. The entire process includes risk profiling, pitching, and coming up with business solutions according to clients profile. The prime responsibility is to maintain CEO/CFO relationships with large corporate as well as small medium enterprises to originate business.

Manage the sales of the suite of Trade Finance Services products (Current Accounts, Corporate Forex & Trade Finance Services and SME Finance) in South Kerala Region of ICICI Bank.

Responsible for acquisition of Forex clients for remittances, forward / derivative contracts and identify cross - sell opportunities for products as working capital / term loan limits

Meet the agreed revenue targets (liability & fee), limits utilized level for trade products and associated thruputs and acquisition of new to bank clients with a focus to grow the TBG management revenues

Meet and service of trade related requirements of clients by liaising with operations/Product. 

Ensure the steady flow of Trade Finance & Direct Banking services business and
Meet agreed revenue targets for Trade Finance & Direct Banking business
Meet agreed targets with respect to new client acquisitions.

Ensure client servicing is appropriate and utilization levels are consistently maintained at a high level. 

Regularly liaise with internal and external contacts to promote banks Trade Finance business.  

Provide necessary MIS / Management update.