BIJU BP
Result-oriented professional, targeting senior-level assignments in Branch Banking, Back-
end Banking Operations with a leading organization of repute preferably in UAE
+91 – 9995351572 bijubp1988@gmail.com
PROFILE SUMMARY
Customer focused and Management professional with 25 years of experience in spearheading the branch
banking functions in driving branch profitability, sales & business development, banking compliance & audit, client
relationship management and training & development
Excels in driving consistent growth in revenue/ profit and improving top-line & bottom-line performance
of bank by conceptualizing and setting up competitive sales strategies & processes with RBI guidelines and
other statutory obligations
Excellent track record of improving branch productivity and driving consistent delivery of services by
streamlining operations, conducting audit checks and identifying & mitigating risks
Hands-on experience in all branch banking operations, including implementing risks management policies and
controlling mechanisms, procedures & systems to detect transactions outside established parameters
Extensive experience in increasing branch revenues, exceeded targeted sales goals, developed profitable &
productive business relationships and building an extensive client base; showcased capabilities in achieving the
assigned branch targets
Outstandingly successful in spearheading customer centric operations; resolved customers complaints
/issues pertaining to the products; assessed the customers feedback & evaluated areas of improvements to tune
up the business strategies
Successfully enhanced the resource productivity of cluster from 29% to 60% in 10 months through retail
banking initiatives and managed the cluster of 22 branches in Retail Banking initiatives
Enterprising and dynamic person with a strong will to win; possess planning, analytical & problem-solving skills;
excellence in identifying, recruiting, mentoring & directing teams to deliver results
Key People Leader, successfully led and motivated branch staff towards growth and success in the
organization; created a clear & compelling view of future through coaching and execution; groomed the team
with expertise on various facets as per requirement of the banks
CAREER TIMELINE
Jun’96 – Oct’00 Oct’00 – Nov’04 Nov’04 – Mar’11 Since – Apr’11
EDUCATION CORE COMPETENCIES
Branch/ Banking Operations
1996 P&L and Revenue Growth
Master of Sociology Strategic Business Planning
from University of Kerala
Retail Asset Banking
1993 Procedures/Operations Mgmt.
B.Sc. (Botany) from Financial Services Operations
University of Kerala
Client Relationship Mgmt.
Internal Audits & Risk Mgmt.
WORK EXPERIENCE
Since - Apr’11: Axis Bank Ltd. as AVP
Growth Path:
Branch
Branch Branch New Branch Branch
Apr’12 Jan’14 Apr’15 Sales Apr’16 Apr’17 Head, Apr’19
Head, Head, Initiatives Head, Head,
Head, Ravipuram
Attingal Aluva in Charge Vytilla Infosys
Kerala Branch,
Branch, Branch, for Kochi Branch,
Circle MG Road, Trivandrum
Trivandrum Ernakulam Cluster Ernakulam
Ernakulam
Key Result Areas:
Supervising P&L of the branch; formulating corporate goals, short & long-term budgets, conceptualizing
and executing strategic and operational plans for the branch for all round development of banks
Interfacing with clients for understanding their requirements & suggesting the most viable solutions/products
and cultivating relations with them for customer retention & secured repeat business
Formulating competent strategies with a view to penetrate new accounts & expand existing ones for a wide
range of asset / liability products and services
Reviewing branch operations reports, tracking exceptional transactions–AML alerts and ensuring
compliance to banking rules & regulations; monitoring suspense / routing accounts
Acting as an escalation gate; addressing and resolving client queries/complaints pertaining to banking
products which resulted in achievement of customer satisfaction matrices
Monitoring Operational performance of the branch, ensuring branch is fully complaint on the processes & achieve
zero error transactions
Defining service standards and guidelines that serve as benchmark for excellent service delivery thereby
contributed towards ameliorated service revenue generation
Controlling operational risk for the branch by ensuring adherence to laid down processes & agreed TATs
thereby increased customer satisfaction
Identifying training needs across levels through mapping of skills required for different roles & analysis of the existing
level of competencies
Sustaining healthy business relations with major clients; ensuring maximum customer satisfaction and quality
delivery as per customer norms
Ensuring the smooth transition from current to future business operations; transforming necessary processes,
tools and environment from the “present” state to the agreed “future” state
Executing and administering cashiers and branch staff & updating them on regulatory part; ensuring compliance
of KYC, CVC and other RBI guidelines
Highlights:
Achieved remarkable business growth in every branch managed; attained branch profitability by 200% in the current
branch
Guided and mentored team members and witnessed 0 iterations; not a single employee left the company
Managed the biggest vertical for the Circle, achieving new milestones
Improved Resource Productivity, Cost Management and assessed performance of the resources including appraisal
and promotions
Played a key role in driving all retail initiatives of the bank through LTM including instant kits, reduction of NFTR, CRM,
Axis one view, tab banking, sales processes, operational efficiencies, customer engagement and so on which enhanced
the resource productivity of the cluster from 29% to 60% within 10 months
Nov’04 - Mar’11: HDFC Bank Ltd., Ernakulam as Branch Manager (Retail Banking)
Oct’00 - Nov’04: The Karur Vysya Bank Ltd., Karur as Clerk
Jun’96 - Oct’00: Loyola Extension Services, Trivandrum as Officer In-charge
(Training, Research and Documentation in Social Work)
PERSONAL DETAILS
Date of Birth: 2nd March 1973 | Languages Known: English, Hindi, Malayalam and Tamil | Nationality: Indian
Address: Parekkattu House, Kaprassery, Nedumbassery PO, Ernakulam – 683585
Marital Status: Married | No. of Dependents: 3 | Driving License: Indian
