Yamini Kumar

# 496/4, Basavanapura, Begur Hobli, Off Bannerghatta Road, Gottarigera post. Bangalore – 560083 Ph: +91
9019181819 Email : kumaryamini677@gmail.com
.

Career Vision: To work in a reputed organization and to perform in a challenging position where I can make a
significant contribution and grow professionally. To upgrade my skills and increase my knowledge in order to set
higher benchmarks to find satisfaction in goal achievement.

Skills: The quality which distinguishes me from others is my immense commitment towards my work and zeal
to learn new things and possess strong communication and interpersonal skills. Confident and efficient in
undertaking assignments.

WORK EXPERIENCE – Over all - 16 Years (Banking) & As Branch Head – 09 Years.

Name of Company, City, Tenure in Years

Sl. No Designation Duration
State & Country & Months
IndusInd Bank Ltd,
Branch Head
1 Bangalore, Karnataka Apr 2019 – Till Date Till Date
DVP
INDIA
BANDHAN Bank Ltd,
Branch Head
2 Bangalore, Karnataka Jan 2017 – Feb 2019 2 Years
AVP
INDIA
DCB Bank Ltd, Bangalore,
3 Branch Head May 2016 – Dec 2016 8 Months
Karnataka INDIA

RBL Bank Ltd, Bangalore,

4 Branch Head Oct 2011 – April 2016 4 Years & 6 Months
Karnataka, INDIA

ICICI Bank Ltd Bangalore,

5 Branch Head June 2010 – Dec 2010 9 Months
Karnataka, INDIA

HDFC Bank Ltd Bangalore ,

6 Manager Sep 2004 – May 2010 5 Years & 6 Months
Karnataka, INDIA

Current: Branch Head (DVP) at IndusInd Bank Ltd Bangalore as on Apr 2019…

I am heading a branch with the G.L size of 95 crore and handling set of 14 members in my branch. I hold the
responsibility of People Management, Motivation and People development, Profit Maximisation, and creating long
term relationship with the customer.

Achievements : a) Best Branch award for Life Insurance.

b) Best Branch award for Asset (LAP).
c) Best Branch award for Credit Card Revenue.

Certifications : a) NISM CERTIFIED : NISM Series V A ' MUTUAL FUND DISTRIBUTORS CERTIFICATION
b) IRDA CERTIFIED : IRDA (SP Certification)
 Yamini Kumar
# 496/4, Basavanapura, Begur Hobli, Off Bannerghatta Road, Gottarigera post. Bangalore – 560083 Ph: +91
9019181819 Email : kumaryamini677@gmail.com
.

Software Applications:

The software application Finnacle.

Key Result / Responsibility Areas:

As a Branch Manager I am responsible for the administration and efficient daily operation of a full service
branch , including operations, lending, product sales, customer service, and security and safety in
accordance with the Bank's objectives. Developing new deposit and loan business; providing a superior
level of customer relations and promoting the sales and service culture through coaching, guidance and staff
motivation; achieving individual and branch sales goals through new business sales, referrals and retention
of account relationships. Providing leadership, training and supervision; delegating day to day operations to
the Operations Officer or other branch personnel. Responsible for attaining established Bank and branch
goals through active participation in sales management and officer call programs.
Handling Retail Asset business for the branch ,Personal loan from login to disbursement. SME loan from login to
disbursement.

Bandhan Bank Ltd (Jan 2017 – Feb 2019)

Branch Head - AVP (Assit. Vice President) at Bandhan Bank Ltd (New Branch) Bangalore as on Jan 2017

Handling newly launched Branch and only Ladies Branch in Bandhan Bank Ltd. I am handling set of 10 member’s
team in my branch, and I hold the responsibility of People Management, Motivation and People development,
Profit Maximisation, and creating long term relationship with the customer.

Software Applications:

The software application Web CSR

DCB Bank Ltd (May 2016 – Dec 2016)

As Branch Head

I was heading a branch of G.L size of 120 crs and handling set of 6 member’s team in my branch. I hold the
responsibility of People Management, Motivation and People development, Profit Maximisation, Goal sheet
achievement and creating long term relationship with the customer.

Software Applications:

The software application Finnacle.

RBL Bank Ltd (Oct 2011 to April 2016).

As Branch Head

I was heading a branch of a G.L size 280cr and handling set of 8 member’s team in my branch. I hold the
responsibility of People Management, Motivation and People development, Profit Maximisation, and creating long
term relationship with the customer.

Software Applications :

The software application Finnacle.

 Yamini Kumar
# 496/4, Basavanapura, Begur Hobli, Off Bannerghatta Road, Gottarigera post. Bangalore – 560083 Ph: +91
9019181819 Email : kumaryamini677@gmail.com
.

ICICI Bank Ltd (Jun 2010 – Dec 2010)

As Branch Head

I was heading a branch of a G.L size of 75 crore and handling set of 14 members in my branch. I hold the
responsibility of People Management, Motivation and People development, Profit Maximisation, and creating long
term relationship with the customer.

Software Applications :

The software application Finnacle.

Key Result / Responsibility Areas:

As a Branch Manager I was responsible for the administration and efficient daily operation of a full service
branch office, including operations, lending, product sales, customer service, and security and safety in
accordance with the Bank's objectives. Developing new deposit and loan business; providing a superior
level of customer relations and promoting the sales and service culture through coaching, guidance and staff
motivation; achieving individual and branch sales goals through new business sales, referrals and retention
of account relationships. Providing leadership, training and supervision; delegating day to day operations to
the Operations Officer or other branch personnel. Responsible for attaining established Bank and branch
goals through active participation in sales management and officer call programs.

HDFC Bank Ltd Bangalore (Sep 2004 – May 2010)

As Backup BM
To ensure that customer receive great services and their complaints / queries are handled with
in TATs and defined services standards. Create multiple opportunities for sales of products to customers. Through
sales staff (PB, BDR, CoeX, Asset Coordinators and CSEs), with proper supervision and monitoring. To ensure
that all statutory / process standards are adhered to. So that the branch customer are adequately serviced and
appropriate products sold to them in a customer friendly environment that in turn ensures the branch attains
profitability on all parameters with superior customer services and superior cross sell of products.

Software Applications :

The software applications we were using in HDFC Bank was FINWARE.

Key Result / Responsibility Areas:

Sales

➢ Maintain Daily Sales Report, Monitoring of CH 106 and CH 126 calling, Ensure quality new acquisition on
SA and CA Resident/Non Resident, Penetration of Saving Account on non liability customer.

➢ Managing and monitoring performance of the sales resources (BDR/COEX/Asset Coordinator) for optimal
sales support.
 Yamini Kumar
# 496/4, Basavanapura, Begur Hobli, Off Bannerghatta Road, Gottarigera post. Bangalore – 560083 Ph: +91
9019181819 Email : kumaryamini677@gmail.com
.

➢ Sales of Third Party Products to the customer – MF/Insurance/RBI Bonds, Ensure that requisite
certifications are done (AMFI), Sales of Asset Products, Disseminating products information to the
customer staff.

➢ Branch Administration including house keeping upkeep etc, Recoding complaints as per the specified
process, Resolving all complaints received (Self, Branch, other units ) within the stipulated TAT’s

➢ Staff Management.

As Personal Banker (Sales) April 2007 to May 2008

I was responsible for selling products and services of the Bank to customer and cross selling available financial
products by understanding the need of the customer. Was also responsible for ensuring that all guidelines and
regulatory requirements are met. So that the branch becomes one stop for all the financial needs of the customers
and improves the overall profitability of the branch.

Key Result / Responsibility Areas:

Sales

➢ CH 106 and CH 104 Calling - Structured bundled offering of products and services to the customer within
the defined time link

➢ Utilizing the sales resources (BDR/COEX/Asset Coordinator) for optimal sales support.

➢ Sales of third party products to the customers - MF/Insurance/RBI Bonds, Ensure that requisite
certifications are done (AMFI).

➢ Sales of Asset Products.

➢ Disseminating product information

➢ Enhancing customer wallet size - Ensure that customer make us their primary bank, Knowing about where
all the customer is currently banking and moving him to our Bank, Ensuring that customer scope is done
and products targeted accordingly, Sales to family members and associates (All Network).

➢ Managing Classic Portfolio - Ensure that individual customers are grouped and Customer to Group (CTG)
Ratio is maintained on the portfolio.

➢ Ensure that optimal levels of Income generating Product Group Holding (IPGH) are reached - Ensure that
within each customer group a minimum number of stipulated Income Generating products are sold.

As Personal Banker (Welcome Desk) Nov 2005 To April 2007

I was responsible for providing world-class services and query resolution to the customers of the bank proactively
and convert services opportunity into a sales opportunity. Ensuring that all services and operations are within
stipulated norms and regulations. So that the customers can avail services through multiple channels saving them
time and effort and giving them a services delight and ensuring repeat business.

Key Result / Responsibility Areas:

 Yamini Kumar
# 496/4, Basavanapura, Begur Hobli, Off Bannerghatta Road, Gottarigera post. Bangalore – 560083 Ph: +91
9019181819 Email : kumaryamini677@gmail.com
.

Sales:
➢ Ensure that customer avail of our Direct Banking Channels as primary channel - Registering them with
various DBC’s, Giving them demonstration on the usages of the same, Actively manage uptime of the
Phone Banking/Net Banking/ATM kiosks in the branch, Carry targets for improving anyone DBC
penetration exclusive of ATM, Migrate customer to opt for statement delivery through email / Net.

➢ CH 126 Calling - Ensuring compliance of KYC, identification of customer and communication of product
eligibility, Ensure that a higher cross sell conversion is achieved through the above calling.

➢ Maintain Daily Sales Report.

➢ Generate sales leads for PB Sales/CoEx/BDR/Asset Coordinator - To generate referrals for all liability
products including NR, to use F4 hotkey for generation of Credit Cards & Asset leads.

➢ Ensure that the customer queries are attended to and resolve the same in an efficient manner and within
stipulated TAT’s.

➢ Responsibility of processing customer instructions within the said TAT.

➢ Operations - Customer of Deliverables viz, Welcome Kit, Cheque Book, ATM/Debit Cards, Tatkal Kits, As
a custodian, ensure.

➢ To process stop payment/ hot-listing requests immediately upon receipt of the same.

➢ Maintain inward and outward courier register including of TPP documents handed over to Monitoring and
timely indenting of branch stationery (other than security stationery) requirement.

➢ Ensure that all morning reports are fired and collected and delivered to the designated individual
employees.

➢ Marketing Activities - Ensure that 5-S norms are adhered to for individual’s workstation.

Previous Job: Joined in Sep 1st 2004 at HDFC Bank Ltd as a Teller.

As Teller: Sep 2004 Till Nov 2005

I was to work in an error free environment and ensure that all the processes as laid out by the bank are followed
properly without any deviations under the guidance and supervision of the teller authorizer and branch manager
as per the expectations of the bank and its constituents.

Key Result / Responsibility Areas:

Operations:

➢ Handling of cash receipts and payments and ensuring transactions are carried out within the prescribed
TAT
➢ Cash balancing and Cash budling
➢ Processing of Retail FX postings/Gold sales/Prepaid cards.
➢ Issuance of DD/MC(within prescribed TAT)
➢ Executing of funds transfer FD closure/Account Closures.
➢ Processing of salary Uploads
➢ Custodian for teller box
 Yamini Kumar
# 496/4, Basavanapura, Begur Hobli, Off Bannerghatta Road, Gottarigera post. Bangalore – 560083 Ph: +91
9019181819 Email : kumaryamini677@gmail.com
.

➢ Custodian for cheque drop boxes

➢ Ensure error free transactions of receipts and payments
➢ Retail FX transactions processing.
➢ Vault Custodian
➢ Ensure highest level of customer service
➢ Ensure that out ward clearing process is adhered to.
➢ ATM custodian
➢ Monitoring
➢ Monitor large amount movements and report them as per reporting schedule
➢ Identification and closure of TOD accounts on regular basis.
➢ Identification and closure of high cheque return customers beyond the threshold
➢ Management of clearing collection cheques /FCY cheque collections Reporting of suspense accounts
deferred accounts /accounts payable receivable, Reconciliation and maintenance of suspense accounts
register, as per Reporting.
➢ Fortnightly reporting on cash transactions over Rs.10.00 lacs
➢ Report for any suspicious transactions (also to maintain the AML register)
➢ FX transaction reporting on time to TAG and Treasury Mumbai before cut off time.
➢ Achievement
➢ Received best teller award for sales in the year 2005.

Hard work & Dedication to my work fetched me the below:

❖ Awarded the best Branch Manager for achieving FD of 250cr individually for the 2nd and 3rd quarter and
4th quarter 2013 in Ratnakar Bank.
❖ Awarded the best Branch Manger for achieving the CASA target for 3rd Quarter - 2010 in ICICI Bank

❖ Awarded the best Branch Manager for achieving the insurance target for the 3rd Quarter -2010 in ICICI
Bank.
❖ Awarded the best Welcome desk Personal banker in year 2006 in HDFC Bank.
❖ Awarded the Best personal Banker sales for the year 2008 in HDFC Bank.
❖ Awarded the best Teller in year 2005 for doing the highest sales as a teller in hDFC Bank.

Achievements:

❖ Received the award for best Branch Manger from Executive Director of RBL Bank for achieving 100%
target for Life Insurance and for bringing in one short 250cr and total of 350cr FD to the bank.

❖ Received many appreciation mails from the Cluster head, Zonal head and Regional Head for doing good
business in HDFC BANK, ICICI BANK and RBL Bank.

❖ Received many appreciation mails from the customer for the good service.
❖ Received Gift voucher's as a reward for over achieving insurance targets consistently every 2 months in
HDFC bank.

❖ Received an Esprt Watch reward for achieving the target in HDFC Bank.

Educational Qualification
 Yamini Kumar
# 496/4, Basavanapura, Begur Hobli, Off Bannerghatta Road, Gottarigera post. Bangalore – 560083 Ph: +91
9019181819 Email : kumaryamini677@gmail.com
.

Education Board / University Year of passing % Secured

S.S.L.C Karnataka Secondary Education , Bangalore 1996 75%

P.U.C Jothi Nivas Pre-university College, Bangalore 1998 67%

BA.L, LL.B Bangalore Institute of legal Studies, Bangalore 2004 65%

Personal Details

Husband’s Name : Kumar Chandran

Date of Birth : 20th Aug 1980
Marital Status : Married
Mother Tongue : Tamil
Languages known : English, Hindi, Kannada

I hereby declare that the information provided above is true to the best of my knowledge.

Date:

Place: Bangalore
(Yamini Kumar)