Smitha Chandrasekhar

+91 8129310392 | 7907187718

smithasanjeev5@gmail.com

Bank Professional

PROFILE SYNOPSIS

 A Banking Professional with nearly 22 years of experience working with various

banks.
 A qualified Junior Associate of Indian Institute of Banker professional with a
flair for Branch Operations and Sales.
 Part of a pilot team in setting up a new branch at ICICI Bank . Exposure to manage
Branch Team, Branch Business, Daily operations and Audit Compliance,
Customer Service, etc…
 Technically proficient with Finnacle, Oracle FlexCube, Finware , ALPM and other
banking related software’s.
 Ranked 1st in the YTD March 2018 Balanced Score Card in the Zonal Level and
ranked 4th in YTD March 2018 Balance Score Card in the Mega Zone Level by
meeting the targets set by the Bank.
 Achieved 7 star rating in IAD Audit in the newly set up Branch at Willington Island
Branch, Kochi during 2011.
 A Banking professional doing Sales through Service and Practicing Banking
Compliance as Mantra of Success.

INDUSTRY EXPERIENCE

ICICI Bank Ltd June 2010 - present

Deputy Branch Manager

 Joined ICICI Bank in M1 grade and later promoted to M2 grade.

 Reports to the Branch Manager and manage operations and sales of a branch of size
over Rs 77 crores.
 Lead a result oriented team and is responsible for managing the Branch Profitability,
ensuring high quality service and customer acquisition.
 With the support of 5 team members, responsible for the administration and GL
growth and efficient daily operation of a full service branch.
 Up-sell and cross sell various financial products to meet the individual target as well
as Branch Targets- Accounts & Deposits, Loans, Cards, Investments, Insurance, etc…
 Point of contact for High Net Worth Customers, NRI`s and help them in managing
their product portfolio.
 Responsible for branch profitability by managing and optimizing operational costs.
 Maintaining branch cash within the prescribed limits and optimization of cost and
Cash Management across the tellers
 Cross-sell of products with new and as well as with existing customers.
Smitha Chandrasekhar
+91 8129310392 | 7907187718
smithasanjeev5@gmail.com

Bank Professional

 Mentor and deliver training programs to the team and identify process gaps.
 Handle all areas of operations including service delivery and managing issues.
 Actively and consistently seek an opportunity to expand share of wallet of the
customer base.
 Constantly following compliance parameters of Banking Rules and Regulations and
instrumental in getting 5 star rating through out the financial year 2018-2019.
 Controlling service parameters and quality controls of Service requests at branch
level with zero customer escalations.

HDFC Bank Limited June 2008 – June 2010

Personal Banker

 Responsible for acquiring new quality clients.

 Generating revenue from mapped clients
 Manage the HNI customer portfolio of the branch retaining & enhancing advisory
relationships
 Deepen the relationship by cross selling products and services according to
customer needs.
 Review Branch Operations reports and ensure compliance with Banking rules,
Regulations & Procedures.

Centurian Bank of Punjab August 2007 – June 2008

Manager

 Responsible for the clearing operations, back office operations, ATM operation, on-
boarding customers, etc…
 Responsible for New quality clients.
 Generating revenue from mapped clients
Smitha Chandrasekhar
+91 8129310392 | 7907187718
smithasanjeev5@gmail.com

Bank Professional

Lord Krishna Bank

Assistant Manager

Assistant Manager, - Lord Krishna Bank 1998 –2007

Clerk , Kasargode Branch- Lord Krishna Bank 1997 –1998

 Progressed from the position of a Clerk to Assistant Manager and experience

working across different branches.
 Responsible for balancing and tallying of all accounts, bank reconciliation.
 Process credit proposals and provide reports of the same to management .
 Ensure adherence to statutory regulations.
 Administrative duties such as expense reimbursements, housekeeping, hospital
reimbursement, Salary processing etc…

ACADEMICS

1996 – Bachelor of Commerce| Mahatma Gandhi University

2002 – Junior Associate of Indian Institute of Bankers| Indian Institute of Bankers

PERSONAL & CORRESPONDENCE DETAILS

Languages Conversant: English & Malayalam

Address: Sudarshana Lane, Surabhi, Kadavanthra, Kochi – 682 020 | Kerala, India

Phone: +91 8129310392 | Email: smithasanjeev5@gmail.com

*References available on request