Naresh Kumar K P

* Utilized data-driven decision-making to manage client traffic and scheduling system appointments, improving operational efficiency. * Integrated financial technologies (CRM, digital banking tools) to enhance client onboarding and lending referrals. * Performed Customer analysis and compliance monitoring tools to oversee cash responsibilities and mitigate operational risk. * Orchestrated cross-functional initiatives with business partners to deploy structured financial solutions for complex client needs. * Applied process optimization and risk management frameworks to execute the bank’s risk culture, ensuring compliance with federal regulations (KYC, AML) and operational excellence.

• Managed cash handling, register operations, card machines, and cash reconciliation while delivering high-quality customer service in the beverage department, and was recognized for professionalism and exceptional customer interaction. • Trained and mentored 15 new team members in beverage operations related to handling customer service, cash handling, and promoted a culture of professionalism and efficiency to improve service consistency and customer satisfaction. • Monitored and analyzed beverage stock movement trends using CATERTRAX software, identifying consumption patterns and reducing overstock incidents by 40% and streamlining data entry and reporting processes.

• Managed the Customer Service operations across 4 zones with a team of 17 executives, optimizing account openings, ATM transactions, Digital Banking, Sales, and Education loan processes for clients with strict adherence to the branch compliance and operational guidelines of the RBI. • Consistently achieved high sales performance by cross-selling banking products, including ₹70 cr in loans, and 90 health insurance policies, recognized as a top performing manager for exceeding sales targets by 130% for FY 23-24. • Served as a subject matter expert (SME) for retail and commercial banking products through digital banking platforms and omnichannel, resolving account service issues for high-value clients and cross-functional teams promptly. • Generated and managed leads through CRM, third-party vendors, DSAs, ATM’s and Online digital channels, successfully acquiring 500+ new leads each month, a conversion ratio of these leads into 200+ loan applications, leading to a 25% increase in sales performance. • Conducted customer due diligence for KYC and AML compliance, updating records and flagging discrepancies to mitigate risk while maintaining regulatory standards, and built long-term banking relationships to increase portfolio.

• Maintained 100% accuracy in high-volume cash drawer (₹5L daily), processing 200+ monthly transactions with bank policy compliance, and drove cross-selling of liabilities & assets, elevating customer experience and business revenue. • Led my team of 8 executives in managing branch operations, HNI clients’ cheque clearance, cash management, and transaction reconciliation, by maintaining 100% policy adherence of HNI portfolios with annual revenue between 20 to 30 cr ($ 2.5M to $3.5M). • Developed client relationships by reaching over 200+ customers weekly, educating them on mobile digital banking, resulting in a 25% increase in the adoption of online banking services and a 20% reduction in in-branch visits. • Delivered 120%+ of monthly sales targets in Personal Loans and Health Insurance by optimizing the loan lifecycle from lead qualification and credit analysis to documentation and disbursement. • Provided top-tier customer service for credit-related inquiries, including loan application status, cheque clearing issues, and disbursements, resulting in a 15% increase in customer satisfaction scores based on monthly surveys.

Fostered strong partnerships with elite banking clients by implementing tailored, high-touch service strategies and optimizing digital feedback channels, driving a 35% increase in customer satisfaction scores (CSAT) as validated by comprehensive business reviews. Delivered personalized financial consultations using structured discovery conversations, enhancing product penetration and increasing client satisfaction Spearheaded 13 team members for credit product sales, leveraging CRM-driven customer segmentation to cross-sell pre-approved personal loans and credit cards, boosting disbursals by 40% within six months. Designed and executed targeted email marketing campaigns using customer segmentation, achieving 20% higher click- through rates and boosting engagement with tailored product recommendations. Drove business growth by leveraging customer interactions and referrals to identify high-potential leads, strategically cross-selling tailored financial products to exceed branch targets.

Created and executed an outreach plan leveraging key insights from client interactions to optimize the funnel process; revamped in an impressive 30% upsurge in both customer conversions and annual revenue generation. Implemented business development efforts between admissions and financial aid departments to optimize user journeys during onboarding, which led to an impressive decline of 25% in drop-off rates along with improved long-term customer retention. Prepared efficient communication templates that simplified complex product information for educational software, resulting in a daily savings of approximately one hour per inquiry while ensuring high-quality engagement with users while also producing collateral for training material in sales and marketing presentations.