GANDHALI RAUT
Banker And Financial Advisor
Mumbai
Summary
A strategic position in Banking & Finance with opportunity to apply my broad knowledge and skills. To excel in the field I work, by sincerity, dedication, and by hard work and go up the hierarchy and eventually expand my horizon. To reach the level where I will be more of deserving than demanding. Also, a talented Vice President with excellent employee development, customer service and analytics skills coupled with more than 20 years of experience.
Overview
23
23
years of professional experience
1
1
Language
Work History
Vice President & Branch Head
AXIS BANK LTD.
06.2023 - Current
- Its an honour to handle one of the prestigeous Branch of Axis Bank with GL size 1000+ Crs
- Conducting Marketing activities in the residential and corporate societies
- Generation of quality leads in CASA +TD, High Networth client accounts, Retail Assets and SME, Forex Business etc.
- Providing Suitable investment solutions to HNI in building their portfolios and having periodical review with dedicated Investment Counselor.
- Up-migration of eligible extra HNI clients to Private Banking to make them experience leisure Banking
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Identified opportunities to improve business process flows and productivity.
- Established performance goals for department and provided methods for reaching milestones.
- Increased company growth through collaboration with sales and marketing departments.
- Engaged employees in business processes with positive motivational techniques.
- Assessed employee performance and developed improvement plans.
Vice President & BH
AXIS BANK LTD.
06.2022 - 05.2023
- Closely worked with Large Corp clients for balance building and engaging in Credit facility
- Focused on DSR account opening and balance building
- Improved CA based by working on MCA leads
- High Rise in CASA business by opening prestigious Trust, schools and society accounts
- Onboarding SA NTB client base by offering exclusive Salary solution
- Strengthening corporate relationships by regular visits and offering suitable business solutions
- Meeting MOM income budget
- Continuous motivation to the resources to achieve their KRA and on-going campaigns
- Daily check on Branch compliance and important operational parameters
- Promptly handling of Regulatory cases and timely submission of the required documents.
Assistant Vice President & BH
AXIS BANK LTD.
06.2017 - 05.2022
- Handling the Branch with GL size of 600+ crores including CASA and TD
- Sizeable growth in Retail Asset and SME business of the Branch QOQ
- Set-up new milestone in the Branch IPG income, Retail Forex Income
- Ensuring the upward growth in Branch profitability MOM
- Strong Handholding and mentoring with the RMs for HNI client servicing and portfolio building
- Reviewed, identified, updated and prioritized strategic initiatives to provide comprehensive support to senior leadership
- Promoting and marketing for branch and its products
- Ensuring high level of customer service
- Branch governance and tracking the quality of branch & central operations.
Assistant Vice President & Branch Head
AXIS BANK LTD.
04.2016 - 05.2017
- Providing solutions to operational banking queries of all Retail, Commercial and Corporate clients
- Maintaining Customer satisfaction levels of customers with bank's asset and liability products
- Abiding by KYC (Know Your Customer), AML (Anti money Laundering),Banks manuals of instructions books and standards and any other policy issued by bank or RBI from time to time thereby reducing risks in operational banking.
- Mentor junior employees and lead team which helps in driving business
- Making progress reports of branches and giving solutions to improve their quality of work as well as achievement of performance parameters.
Senior Manager & Branch Head
AXIS BANK LTD.
06.2014 - 03.2016
- Successful handling the branch in the Special sector Area and grown the GL size to 25% YOY
- Monitoring branch security and secured stationary related processes
- Tracking EOD / BOD functions of branches in terms of cash reporting and other parameters
- Replying to RBI and other Audits taking place in bank from time to time
- Handling internal audit queries and helping branches rectify remarks of RBI, IS and other audits taking place from time to time.
Senior Manager & Branch Operations Head
AXIS BANK LTD.
06.2012 - 05.2014
- Managed budgets effectively, achieving financial objectives while maintaining strict control over expenditures.
- Led cross-functional teams to achieve project milestones and deliver high-quality results.
- Utilized data-driven insights to make informed decisions that resulted in higher returns on investments.
- Extraction and control on the quality of data that is being submitted to the regulatory bodies
- Making monthly and quarterly MIS reports on resource wise budget and achievements
- Playing successful role as a mentor to the Team Members, assistant to the BH, Support to the outsourcing staff
- Providing solutions to operational banking queries of all Retail, Commercial and Corporate clients
Senior Manager & BOH
AXIS BANK LTD.
04.2011 - 05.2012
- Being a second in-charge of the Branch taken responsibility of Branch Operations & Compliance along with business growth
- Ensure compliance of banking policies and processes. Timely submission of compliance report to the Auditors/RBI
- Timely renewal of mandatory licenses and keeping record in BDR
- Abiding by KYC (Know Your Customer), AML (Anti money Laundering), Banks manuals of instructions books and standards and any other policy issued by bank or RBI from time to time thereby reducing the risks in operational banking
Manager and Priority RM
AXIS BANK LTD.
06.2009 - 03.2011
- Taking responsibility of the Branch HNI customers by helping them to grow their investment portfolio in right way
- Providing Banking and investment solutions to NTB clients
- Offering a family Banking solutions to portfolio clients by advising them to maintain the TRV (Total Relationship Value)
- Thorough follow up and conversions of references helped to built-up & grow portfolio MOM
- Ensuring timely resolution of customer's banking queries within TAT.
Deputy Manager and Front Desk officer
AXIS BANK LTD.
06.2007 - 05.2009
- Acting as a support to Branch Operations Head
- Providing solutions to operational banking queries of all Retail, Commercial and Corporate client
- Keeping prompt record of Branch Documents and update on periodic basis
- Checking and keeping the stock of Branch security stationary
- Making out-bond calls with the sales team to enhance the retail and corporate business of the branch
- Hooking the customers with suitable investment solutions, e.g., LI, MF, SIP, PMS and other equity products etc
- Always ensure to meet the KRA budget MOM.
Assistant Manager and Front Desk officer
AXIS BANK LTD.
06.2003 - 05.2007
- Handled error-free cash of the branch as a responsible cash officer, also manged the records of petty cash and other related expenses
- Keeping record of Branch Fixed Assets and submission of periodical report to FAM department
- Successfully handling of inward and outward clearing cheques, lodging of outstation clearing cheques and keeping the records
- Seamless locker operations and allotments
- Periodical recovery of locker rents
- Provided quality clerical support through error free data entry, document management, email correspondence
- Participation in self-sourced account and FD opening
- Successful handling of Demat operations desk.
Executive and Back-End Officer
AXIS BANK LTD.
11.2001 - 05.2003
- Joined as an Executive at Axis Bank Clearing Department and handled Inward Outward Clearing cheques, Posting and reports generation
- Handling Customer Requests processing at CPU withing given TAT
- Efficient in Account opening Form Scrutiny and Audit, Signature Scanning and Account number generation
- Dispatch of AOFs to record Management.
Junior Officer and Front Desk Operations
Mandvi Bank Ltd.
6 2000 - 11.2001
- Handling customers and front desk operations
- Responsible for retail loan documentation and disbursement
- Experienced in Account Opening/Fixed Deposit Opening
- Handling inward/outward clearing desk
- Opening of accounts and FDs.
Education
M. A (Economics) -
Mumbai University
04.2001 - 04.1999
B.A (Economics) -
Mumbai University
H.S.C -
Maharashtra Board
S.S.C -
Maharashtra Board
Skills
Strong customer service focus
Excellent communication skills
Provide enthusiastic, friendly and professional face to the organization
Ability to multitask
Flexibility and Adaptability
Team and Time Management
Owner’s mindset
Analytical thinking
Problem solving attitude
Honest and trustworthiness
Basic, MS office (Word, Excel, PowerPoint)
Accomplishments
- Appreciation shield by MD for qualifying MDRT in FY 2018-19
- Awarded by GE & Branch Banking Head for LI campaign “The Inner Circle Challenge 2.0” at Amritsar in July’22.
- Awarded by GE & Branch Banking Head for LI campaign “Axis Challengers Club”- at Jaipur in December’22.
- Awarded for MDRT Experience at Chennai in July’22.
- Awarded by GE & Branch Banking Head for LI campaign “Guild of Excellence” at Kathmandu in November’22.
- Axis Annual Branch Award (FY 15-16) for The Best Branch Digital Penetration PAN India Level
- Best Branch in Cluster in overall Business Performance and CASA for two consecutive FYs’ 2014-15 and 2015-16.
- Award of Excellence in Retail Forex Business in FY 2021-22 & FY 2017-18
- Special recognition and appreciation for Forex Card and Retail Forex Business by publishing Article in Axis Bank Annual Magazine in FY 2016-17
- Certificate of appreciation from RBBH for CASA NTB MEB Challenge Q1 FY 2017-18
- Certificate of appreciation for TASC business in Q1 2017-18
- Certificate of appreciations for MF business especially in various NFOs’ of different AMCs’
- Certificate of appreciations for incremental RTD drive during FY 2017-19
- Certificate of appreciation for Retail Assets and Gold loan in FY 2017-18 & 18-19
Timeline
Vice President & Branch Head
AXIS BANK LTD.
06.2023 - Current
Vice President & BH
AXIS BANK LTD.
06.2022 - 05.2023
Assistant Vice President & BH
AXIS BANK LTD.
06.2017 - 05.2022
Assistant Vice President & Branch Head
AXIS BANK LTD.
04.2016 - 05.2017
Senior Manager & Branch Head
AXIS BANK LTD.
06.2014 - 03.2016
Senior Manager & Branch Operations Head
AXIS BANK LTD.
06.2012 - 05.2014
Senior Manager & BOH
AXIS BANK LTD.
04.2011 - 05.2012
Manager and Priority RM
AXIS BANK LTD.
06.2009 - 03.2011
Deputy Manager and Front Desk officer
AXIS BANK LTD.
06.2007 - 05.2009
Assistant Manager and Front Desk officer
AXIS BANK LTD.
06.2003 - 05.2007
Executive and Back-End Officer
AXIS BANK LTD.
11.2001 - 05.2003
M. A (Economics) -
Mumbai University
04.2001 - 04.1999
Junior Officer and Front Desk Operations
Mandvi Bank Ltd.
6 2000 - 11.2001
B.A (Economics) -
Mumbai University
H.S.C -
Maharashtra Board
S.S.C -
Maharashtra Board