CORE COMPETENCIES:
Contact No.: +91 9891054594 | Email: charansai1992@aol.com
 Strategic Banking Operations
 Client Acquisition / Retention
 Cross-Selling / Product Portfolio
 Channel Management
 Marketing & Product Promotion Risk
Management
 Business & Operational Excellence
 Audit & Compliances
 Retail Banking
 People Management & Leadership
 Process Enhancement
 Competitor Analysis
 Customer Excellence
 TAT Management
 Leadership & Trainings
 Reports & Documentation
PERSONALITY TRAITS:
 Service-oriented
Relationship Builder
 Conflict Resolution Expert
 Courteous Demeanour
 Sharp Problem Solver
 Energetic Work Attitude
 Decision-Making
EDUCATION:
 Pursuing Part-Time Doctor of
Philosophy (Ph.D.) in the Department
of Business Studies, from Acharya
Nagarjuna University, Guntur, Andhra
Pradesh, India.
o Research Thesis on ‘Digital
Banking’ in Public & Private
Sector Banks with Special
Reference to Delhi NCR.
o All Written Exams Cleared in
2020 with First Class
 MBA International Business Studies,
Acharya Nagarjuna University,
Guntur, Andhra Pradesh, India in
2015 with 63%
 B.B.A. in International Business
Studies, Acharya Nagarjuna
University, Guntur, Andhra Pradesh,
India in 2013 with 63%.
CERTIFIED LICENSES:
 Certified by the Insurance Regulatory
& Development Authority of India in
2018.
 Certified as Aadhar Supervisor by
NSEIT on behalf of the Unique
Identification Authority of India in
2018.
KOTARU SAI CHARAN
Targeting Assignments in:
BANKING OPERATIONS MANAGEMENT PROFESSIONAL-
Digital Banking Services / Process Enhancement &
Client Servicing
Conscientious Banking Operations Professional, adept at all facets of bank operations and
management procedures with strong exposure in Cash Management, Welcome Desk, and
Locker operations as well as rendering Banking Solutions, providing excellent customer
service and high-quality financial offerings to consumers mainly for Digital Banking
Products like ATM, CDM, net banking, UPI, NEFT, RTGS, and so on…
PROFILE SUMMARY
 A competent Banking Professional with a strong experience of nearly 5
years of verifiable career by successfully propelling through Banking
environment, having experience in end-to-end Banking Operations
Management; capacity of managing the end-to-end operations,
executed operational procedures & systems while focusing on business
objectives & goals.
 Innovative Manager with skills in building and maintaining healthy
business relations with high net-worth and corporate clients and
ensuring high client satisfaction matrices by achieving delivery & service
quality norms.
 Well-organized with a record of assisting management to achieve
measurable performance improvements through requirements
definition and transparent reporting and focus on digital technology for
business process improvements.
 Maintained and ensured compliance with statutory requirements laid by
acts governing banking regulations
 Exhibited excellence in providing advisory and driving Digital initiatives in the
areas of ATMs, Debit Cards, Credit Cards, Prepaid Cards, Gift Cards, Mobile
Banking, Internet Banking, POS, Payment Gateway, Cashless Campus Projects
& Digital Wallets
 Distinguished capacities in providing in-depth analysis of markets,
industry trends, competitors, and clients to improve strategic planning
& decision-making
 Dexterous in procuring new business by selling banking products
like Savings / Salary accounts, Current Accounts, Debit/ Credit Cards,
Insurance, and Asset products
 Mentoring & monitoring the performance of the subordinates to
ensure efficiency in process operations
 Awareness and knowledge of the wider business, economic, and market
environment in which a bank operates and relevant regulatory
requirements & expectations
 Stellar in building relations and bagged National Salary Accounts Business for
companies like ‘Smile Foundation, Haldiram’s, NBCC, Adyar Anand Bhawan, Sagar
Ratna, Fortis Hospitals & Max Healthcare’, since 2018
 Rich experience in managing Govt. Business and corporate clients
SIGNIFICANT HIGHLIGHTS
 Executed the role of Admin by Additional charge as Cluster Coordinator to 13
branches for 6 months.
 Was Awarded the Bull title by HDFC Securities for Qualifying for the Bull Run Contest
for opening Highest Number of DEMAT /HSL Accounts in a Single Month.
Additional Accreditation
Certified in:
 “How to Prevent Fraud in Business”
by Alison & The CPD Certification
Service in 2022.
 “The Fundamentals of Digital
Marketing” by Google in 2020
 “Crisis Communication’ &
‘Reputation Risk Management” by
LinkedIn Learning in 2020
INTERNSHIPS:
 Major Project on “Foreign Direct
Investment in Retail Sector in India”
with affiliation to Institute for
Studies in Industrial
Development(ISID).
 Semi-Project on “Export-Import
Documentation Procedures” with
affiliation to the Indian Institute of
Foreign Trade (IIFT).
 Semi-Project on “Foreign Direct
Investment” with affiliation to the
Indian Institute of Foreign Trade
(IIFT)
TRAINING:
 Known as a Stand-alone Nominee of
college to attend Infosys SPARK - A
Student Interaction program in
Bangalore at Infosys campus in 2013.
 Part of :
 Two-Day National Workshop on
‘Emerging Trends in Global
Business’ sponsored by U.G.
 Semi-Final in Confluence -
International Business Summit
of IIM Ahmedabad 2012 on
“Idea Generation for
Entrepreneurs by Nurture Talent
Academy”
 Two-Day Faculty Development
Programme on ‘Academic
Writing and Publication’ by
Koach Scholar.
IT SKILLS:
 Computers Basics of M.S. Office
PERSONAL DETAILS:
Date of Birth:
March 4th, 1992
Languages Known:
English, Hindi & Telugu
Permanent Address: F-2 Yamuna,
Indira Gandhi National Open University,
Maidan Garhi, New Delhi, India– 110068
 Recognized as the Best Employee for Maintaining Audit Compliance Related Banking
Operations & Managing Cross Sell of different Products along with Customer
Satisfactory Ratings.
 Overachieved the YTD Sales Target by 100 % along with more than 250+ Asset
Disbursals including Personal Loan, Business Loans, Auto Loans, Two-Wheeler Loans,
Consumer Durable Loan, etc, in a year and was Appreciated by the Zonal Head of
Delhi. The Only Person in Operations to achieve Zone Topper in the Whole of Delhi
during 2021 - 22
 Bagged Star Service Excellence Award for Best Performer consecutively for 8 Months
for managing Service & Sales in coordination & Time Management
 Recognized as one of the Best Staff for Pitching the Highest Fixed / Recurring Deposit
in number and value
 Acknowledged for Cross-selling of Highest number of Credit Cards in the Digital
Application Process (DAP) in a Single Month
WORK EXPERIENCE
Since 01’18: HDFC Bank
Growth Path:
PB - WD/Teller (Trainee): 01’18 – 04’19
Assistant Manager(E1) : 04’19 – till date
Cluster Coordinator: 08’20 – 02’21
Role:
 Managing the bank’s legalization and compliance requirements, analyzed the impact
of corporate structures and their operations in various jurisdictions
 Maintaining cordial relations with customers to sustain the profitability of the business
 Maximising customer satisfaction level by on-time delivery, monitoring customer
complaints, and providing efficient services
 Interfacing with clients to suggest the most viable product range and cultivating
relations with them to secure repeat business; analyzing the financial requirements of
the customers and matching the same with the products on offer.
 Preparing & reviewing the reports for the daily activities.
 Mentoring the assigned channels to bring qualified wealth referrals.
 Developing relationships with key decision-makers in target organizations for business
development
 Identifying prospective clients, generating business from new accounts & developing
them for achieving consistent profitability & growth.
 Providing regular feedback to senior management about customer demands in the
marketplace.
 Initiating contact with potential customers for developing leads, sales, and cross-
selling credit card products
 Ensuring the highest standards of Know-Your-Customer (KYC) requirements supported
by documentation
 Checking customers' identification and ensuring the customer's forms are completed
correctly.
 Providing customers with services like account balances, automatic payments &
cheque books.
 Responding to requests for information; solving customers' banking problems
 Taking adequate measures to maximize customer satisfaction level.
 Providing superior customer service to both external & internal groups through
excellent customer service skills.