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Amit Krishnani

This document contains a summary of Amit Krishnani's professional experience and qualifications. He has over 13 years of experience in roles such as Branch Head, Manager, and Operations Head at various banks including HDB Finance Ltd, IndusInd Bank, Axis Bank, and Citibank. His responsibilities included portfolio management, sales management, customer service, compliance, and achieving business targets. He has a Post Graduate Diploma in Business Management and Bachelor of Commerce degree.

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AMIT H. KRISHNANI : +91-9925021260 : amitkrishnani@rediffmail.com SENIOR PROFESSIONAL Customer Acquisition | Credit Appraising | Customer Service| Branch operations| Collections An enterprising professional with 13 years of experience in displaying record of achievement in conceiving & implementing ideas that have fuelled market presence and driven revenues. Hands on experience of working in locations –Gandhidham, Mumbai, Baroda, Surat, Akola, Wankaner etc PROFILE SUMMARY WORK EXPERIENCE Company : HDB FINANCE LTD., Designation : BRANCH HEAD/MANAGER Period : OCTOBER 2014 TO TILL DATE Location : GANDHIDHAM (Gujarat) Handling Products : LAP, PL, GL, AUTO REFIN, EBL Key Result Areas  Portfolio Management.(more than 100 crore)  Asset management to ensure enhanced ROI is maintained and control collection to have better portfolio as per the bench marks set (national average).  Branch Profitability.  To generate new and innovative ideas for business establishments, market penetration, develop new markets and customized product and processes.  To study, analyze, suggest and implement prevailing products and trends in market and competitors.  To enhance revenue generation with proper product mix blend and cross sells.  To ensure optimum return for “unit” with prevailing higher yield. Sales Management Key Account Management Channel Management Customer Service Training & Development Customer Acquisition Sales Planning Team Building & Leadership Underwriting Collections Branch operations • Proficient in managing customer service operations inclusive of implementing short / long term plans; managing teams with focus on excelling business targets & service delivery metrics. • Skilled in developing and deploying quarterly and annual sales plans, programs and policies for company; backing all cross-company sales objectives such as budgets preparation, forecasting of sales targets, training and development of the team, identifying and starting new locations/marketplaces • Competent in engaging stakeholders including vendors, marketing teams and dealers for ensuring that common goals are achieved • Expertise in leading business planning and performance management of channel partners • Expertise in training and motivating team; experience in all type of sales functions, channel sales, direct sales, distribution sales, corporate sales, industrial sales, telesales; capability to operate in product/sales support • An effective communicator with relationship, leadership, planning, coordination and analytical skills with skill to view the larger picture, taking business-critical decisions
 To have a control on various indicators like Cost/per employee.  New customer acquisition and Refinance to eligible existing Borrower base.  Team bonding, motivation & discipline.  Process/ Quality improvement measured by satisfactory audit results and reducing non-starters, delinquency  To have root cause analysis for the problems underwent if any during process and operations and provide meaningful resolution to it. Highlights;  Achieved Business targets consistently month on month.  Got named under TOP 10 Branch ranking PAN India in multiple months across various products(LAP and Gold Loan). Company : INDUSIND BANK LTD., Designation : BRANCH HEAD/MANAGER Period : DECEMBER 2012 TO AUGUST 2014 Location : GANDHIDHAM (Gujarat) Key Result Areas • Ensuring successful audit rating in the structure visit and compliance audit • Ensuring proper compliance and process is followed in every department at branch level • Proper kyc is followed while opening the accounts. • Proper Execution of AML guidelines while performing day to day transactions • Vendor management for the branch & Control on administrative expenses to be kept at the minimum • Proper training of the staff so as to make them capable of handling routine operations running in the perfect manner. • Lead a result oriented team and is responsible for managing the Branch Profitability, ensuring high quality service and Customer Relationship Management • Ensure achievement of overall Branch Targets by generating business and cross sales (CASA, Demat, Credit Cards, MFs, Insurance, Assets, Term Deposits, Wealth management, & Forex) Company : AXIS BANK LTD. Designation : BRANCH HEAD Period : JAN 2011 TO NOVEMBER 2012 Location : Wankaner (Gujarat) Key Result Areas • Responsible for entire branch operations of the branch • Ensuring successful audit rating in the structure visit and compliance audit • Ensuring proper compliance and process is followed in every department at branch level • Proper kyc is followed while opening the accounts. • Proper Execution of AML guidelines while performing day to day transactions • Vendor management for the branch • Control on administrative expenses to be kept at the minimum
Highlights; Awarded by the CEO shikha sharma for sharing the best practices/ideas in the entire country • Successfully setup Wankaner Branch on following parameters. Company : CITI BANK N.A., Designation : BRANCH OPERATIONS & SERVICE HEAD Period : July 2006 to Jan 2011 Till date have worked at 4 different Places (Surat, Mumbai, Nanded & Akola) The primary goal of this function was to achieve overall service & quality objectives stated by the business, including the customer satisfaction scores. Further, to ensure that the branch complies with all local & Citigroup guidelines from a process & control standpoint so as To enhance Citibank image as a good corporate citizen. Key Result Areas 2) Process Improvement • Tracking Problem Incidences • Reviewing/Streamlining processes and TAT improvement 3) Ensure a high standard on compliance & controls in the branch • Ensuring that all regulatory, statutory & compliance standards are met. • Focusing on self-assessment of branch transactions/processes • Complying with the escalation process on TOD’s. • Working towards achieving a satisfactory audit rating. 4) Maintain a high level of employee morale & satisfaction. • This is an ongoing activity, which is achieved thru continuous feedback sessions with employees, service meetings, huddle, and job rotation. • Supporting & guiding the team thru new processes, business initiatives, contests & enthusing them in active participation in branch events. • Giving recognition to service champions thru mail messages, escalation to seniors, service awards, and promotions. • A training calendar prepared at the beginning of the year & training needs identified & incorporated in individual goals. 5. Expenses monitoring  Tracking branch expenses to ensure prudent expense management.  Ensuring that each person works towards expense controls in their respective work areas. Highlights; • Promoted as Branch Operations and Service Head within 20th month of joining. • Received Certificate of Excellence for contributing towards sourcing CITI GOLD ACCOUNTS. • Successfully setup Nanded Branch on following parameters. o Assets Procurements o Legal Compliance o Bank Internal Systems. o Vendor Management •
Date of Birth : December 19 th 1980 Corr. Address : Plot No.643/B, Sapna Nagar, NU-4, behind IFFCO Colony, Gandhidham – 370201, Kutch [Gujarat] Languages Known : English, Hindi, Gujarati, Sindhi, Marwadi, Kachchhi & Marathi Hobbies : Visiting new places, Playing Chess & Both version of Tennis o Assets Procurements o Legal Compliance o Ban Company : ABN AMRO BANK Designation : OFFICER – CASH AND REMITTANCE Period : April’05 to July 06 Place : Baroda Key Result Areas handled cash (payments/receipts) funds transfer, ATM (bank site) and Vault custodian, Inward and outward remittance. Highlights; Caught hold of three frauds on the cash counter during my tenure at Abn Amro Bank. Company : HDFC BANK LTD Designation : RETAIL EXECUTIVE (PERSONAL BANKER/TELLER) Period : April’04 to April 05 Place : Gandhidham ACADEMIC DETAILS  PGDBM – (2002-2004) Tolani Institute of Management Studies, Adipur, Specialization: Marketing.  Bachelor of Com. – (1998-2001) Gujarat University, with Advanced Accountancy as a principal subject. (Secured distinction marks in principal subjects (A/c’s. 83 & Stats. 77)).  AMFI -- (2013) Advisor module  IRDA -- 2013  NCFM -- (2008) Depository Module PERSONAL DOSSIER

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  • 1. AMIT H. KRISHNANI : +91-9925021260 : amitkrishnani@rediffmail.com SENIOR PROFESSIONAL Customer Acquisition | Credit Appraising | Customer Service| Branch operations| Collections An enterprising professional with 13 years of experience in displaying record of achievement in conceiving & implementing ideas that have fuelled market presence and driven revenues. Hands on experience of working in locations –Gandhidham, Mumbai, Baroda, Surat, Akola, Wankaner etc PROFILE SUMMARY WORK EXPERIENCE Company : HDB FINANCE LTD., Designation : BRANCH HEAD/MANAGER Period : OCTOBER 2014 TO TILL DATE Location : GANDHIDHAM (Gujarat) Handling Products : LAP, PL, GL, AUTO REFIN, EBL Key Result Areas  Portfolio Management.(more than 100 crore)  Asset management to ensure enhanced ROI is maintained and control collection to have better portfolio as per the bench marks set (national average).  Branch Profitability.  To generate new and innovative ideas for business establishments, market penetration, develop new markets and customized product and processes.  To study, analyze, suggest and implement prevailing products and trends in market and competitors.  To enhance revenue generation with proper product mix blend and cross sells.  To ensure optimum return for “unit” with prevailing higher yield. Sales Management Key Account Management Channel Management Customer Service Training & Development Customer Acquisition Sales Planning Team Building & Leadership Underwriting Collections Branch operations • Proficient in managing customer service operations inclusive of implementing short / long term plans; managing teams with focus on excelling business targets & service delivery metrics. • Skilled in developing and deploying quarterly and annual sales plans, programs and policies for company; backing all cross-company sales objectives such as budgets preparation, forecasting of sales targets, training and development of the team, identifying and starting new locations/marketplaces • Competent in engaging stakeholders including vendors, marketing teams and dealers for ensuring that common goals are achieved • Expertise in leading business planning and performance management of channel partners • Expertise in training and motivating team; experience in all type of sales functions, channel sales, direct sales, distribution sales, corporate sales, industrial sales, telesales; capability to operate in product/sales support • An effective communicator with relationship, leadership, planning, coordination and analytical skills with skill to view the larger picture, taking business-critical decisions
  • 2.  To have a control on various indicators like Cost/per employee.  New customer acquisition and Refinance to eligible existing Borrower base.  Team bonding, motivation & discipline.  Process/ Quality improvement measured by satisfactory audit results and reducing non-starters, delinquency  To have root cause analysis for the problems underwent if any during process and operations and provide meaningful resolution to it. Highlights;  Achieved Business targets consistently month on month.  Got named under TOP 10 Branch ranking PAN India in multiple months across various products(LAP and Gold Loan). Company : INDUSIND BANK LTD., Designation : BRANCH HEAD/MANAGER Period : DECEMBER 2012 TO AUGUST 2014 Location : GANDHIDHAM (Gujarat) Key Result Areas • Ensuring successful audit rating in the structure visit and compliance audit • Ensuring proper compliance and process is followed in every department at branch level • Proper kyc is followed while opening the accounts. • Proper Execution of AML guidelines while performing day to day transactions • Vendor management for the branch & Control on administrative expenses to be kept at the minimum • Proper training of the staff so as to make them capable of handling routine operations running in the perfect manner. • Lead a result oriented team and is responsible for managing the Branch Profitability, ensuring high quality service and Customer Relationship Management • Ensure achievement of overall Branch Targets by generating business and cross sales (CASA, Demat, Credit Cards, MFs, Insurance, Assets, Term Deposits, Wealth management, & Forex) Company : AXIS BANK LTD. Designation : BRANCH HEAD Period : JAN 2011 TO NOVEMBER 2012 Location : Wankaner (Gujarat) Key Result Areas • Responsible for entire branch operations of the branch • Ensuring successful audit rating in the structure visit and compliance audit • Ensuring proper compliance and process is followed in every department at branch level • Proper kyc is followed while opening the accounts. • Proper Execution of AML guidelines while performing day to day transactions • Vendor management for the branch • Control on administrative expenses to be kept at the minimum
  • 3. Highlights; Awarded by the CEO shikha sharma for sharing the best practices/ideas in the entire country • Successfully setup Wankaner Branch on following parameters. Company : CITI BANK N.A., Designation : BRANCH OPERATIONS & SERVICE HEAD Period : July 2006 to Jan 2011 Till date have worked at 4 different Places (Surat, Mumbai, Nanded & Akola) The primary goal of this function was to achieve overall service & quality objectives stated by the business, including the customer satisfaction scores. Further, to ensure that the branch complies with all local & Citigroup guidelines from a process & control standpoint so as To enhance Citibank image as a good corporate citizen. Key Result Areas 2) Process Improvement • Tracking Problem Incidences • Reviewing/Streamlining processes and TAT improvement 3) Ensure a high standard on compliance & controls in the branch • Ensuring that all regulatory, statutory & compliance standards are met. • Focusing on self-assessment of branch transactions/processes • Complying with the escalation process on TOD’s. • Working towards achieving a satisfactory audit rating. 4) Maintain a high level of employee morale & satisfaction. • This is an ongoing activity, which is achieved thru continuous feedback sessions with employees, service meetings, huddle, and job rotation. • Supporting & guiding the team thru new processes, business initiatives, contests & enthusing them in active participation in branch events. • Giving recognition to service champions thru mail messages, escalation to seniors, service awards, and promotions. • A training calendar prepared at the beginning of the year & training needs identified & incorporated in individual goals. 5. Expenses monitoring  Tracking branch expenses to ensure prudent expense management.  Ensuring that each person works towards expense controls in their respective work areas. Highlights; • Promoted as Branch Operations and Service Head within 20th month of joining. • Received Certificate of Excellence for contributing towards sourcing CITI GOLD ACCOUNTS. • Successfully setup Nanded Branch on following parameters. o Assets Procurements o Legal Compliance o Bank Internal Systems. o Vendor Management •
  • 4. Date of Birth : December 19 th 1980 Corr. Address : Plot No.643/B, Sapna Nagar, NU-4, behind IFFCO Colony, Gandhidham – 370201, Kutch [Gujarat] Languages Known : English, Hindi, Gujarati, Sindhi, Marwadi, Kachchhi & Marathi Hobbies : Visiting new places, Playing Chess & Both version of Tennis o Assets Procurements o Legal Compliance o Ban Company : ABN AMRO BANK Designation : OFFICER – CASH AND REMITTANCE Period : April’05 to July 06 Place : Baroda Key Result Areas handled cash (payments/receipts) funds transfer, ATM (bank site) and Vault custodian, Inward and outward remittance. Highlights; Caught hold of three frauds on the cash counter during my tenure at Abn Amro Bank. Company : HDFC BANK LTD Designation : RETAIL EXECUTIVE (PERSONAL BANKER/TELLER) Period : April’04 to April 05 Place : Gandhidham ACADEMIC DETAILS  PGDBM – (2002-2004) Tolani Institute of Management Studies, Adipur, Specialization: Marketing.  Bachelor of Com. – (1998-2001) Gujarat University, with Advanced Accountancy as a principal subject. (Secured distinction marks in principal subjects (A/c’s. 83 & Stats. 77)).  AMFI -- (2013) Advisor module  IRDA -- 2013  NCFM -- (2008) Depository Module PERSONAL DOSSIER