Vinay Baluni
Coombs
Summary
A versatile, competent, and high-performing professional with 20 years of extensive experience in the Banking and Finance industry. Proven track record in providing top-quality client-focused services, leading in operations, compliance, risk mitigation, and the design and implementation of best practices. Self-motivated and enthusiastic leader capable of building and guiding competent teams. Possesses superior analytical skills to monitor and forecast potential risks. Demonstrates excellent communication and interpersonal skills, driving positive changes across departments and within the organization to achieve its strategic goals.
Overview
19
19
years of professional experience
Work History
Branch Manager
HDFC Bank India
Ranipur, India
03.2022 - 08.2024
- Focussing on selling products like Home loans, Car loans and personal loans
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Submitted loan applications to underwriter for verification and recommendation.
- Utilized data-driven insights to make informed decisions regarding staffing levels during peak seasons thereby maintaining smooth functioning of branch operations.
- Drove cross-selling efforts by collaborating with various departments within the organization to maximize revenues from existing clients.
Branch Manager
Yes Bank India
Lohian Khas & Nurmahal, India
12.2012 - 03.2022
- Managed team of 8 to 12 members for overall customer service, sales and operations in the branch
- Reviewing daily sales & customer service of the team members and motivating them to achieve the targets and acquire new customers
- Maintained friendly and professional customer interactions.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Optimized branch inventory management practices for improved product availability and reduced stock obsolescence costs.
- Implemented risk management strategies to minimize potential losses while maintaining a healthy balance between risk and return on investments.
- Elevated staff morale and productivity by introducing system of rewards and recognition for outstanding performance.
- Fostered culture of excellence and accountability, resulting in branch consistently exceeding performance targets.
- Oversaw daily branch operations, ensuring compliance with regulatory standards and maintaining operational integrity.
- Enhanced branch visibility and market presence by orchestrating community engagement initiatives.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Conducted financial due diligence on potential investments and acquisitions.
- Created and managed financial models to evaluate corporate investments and acquisitions.
Branch Operations Manager
Axis Bank India
Adampur, India
02.2011 - 12.2012
- Cross-selling diverse range of banking products
- Developed strong relationships with clients, resulting in increased loyalty and repeat business.
- Managed daily branch operations for optimal productivity and customer satisfaction.
- Trained employees on proper procedures and strategies to improve productivity.
- Performed monthly compliance checks.
- Collaborated with senior management to create strategic plans for future branch growth and expansion.
- Organized staff schedules to ensure adequate coverage during peak business hours while maintaining employee satisfaction.
- Contributed to ongoing process improvements that led to increased efficiency across various aspects of branch operations.
- Maintained compliance with industry regulations, minimizing risk exposure for the company through diligent oversight of operations.
Customer Service Representative
HDFC Bank India
Jalandhar, India
09.2006 - 01.2011
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Developed strong product knowledge to provide informed recommendations based on individual customer needs.
- Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
- Boosted team morale by consistently recognizing colleagues' contributions and achievements.
- Exceeded performance metrics consistently, earning recognition as a top performer within the team.
- Participated in cross-functional teams to discuss ways to improve overall customer satisfaction across company.
- Followed up with customers about resolved issues to maintain high standards of customer service.
Customer Service Representative
UAE Exchange & Financial Services India
Phagwara, India
12.2005 - 09.2006
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
- Assisted customers in navigating company website and placing online orders, improving overall user experience.
- Collaborated with team members to develop best practices for consistent customer service delivery.
- Exceeded performance metrics consistently, earning recognition as a top performer within the team.
Education
Bachelor of Commerce -
Lyallpur Khalsa College (GNDU)
Schooling up to 12th -
Border Security Force School
Skills
- Residential Mortgage Expertise
- Branch Performance Management
- Customer relationships
- Excellent time management skills
- Skilled Team Developer
- Project management
- Goals and performance
- Customer Acquisition Strategies
- Conflict resolution
- Risk mitigation
- Business planning
- Risk analysis
- Compliance Management
- Accounts payable
- Accounts receivable
Nationalcadetcorpscertificate
True
Personal Information
Date of Birth: 12/13/83
Otherkeyaccolades
Schooling up to 12th from Border Security Force School, Jalandhar, India
Languages
Hindi
Native or Bilingual
English
Full Professional
Punjabi
Full Professional
Interests
- Volunteering for community initiatives to give back to local communities and make a positive impact
- Tech enthusiast, passionate about exploring the latest advancements and innovations
- Enjoy hobbies that combine physical activity with outdoor exploration
Timeline
Branch Manager
HDFC Bank India
03.2022 - 08.2024
Branch Manager
Yes Bank India
12.2012 - 03.2022
Branch Operations Manager
Axis Bank India
02.2011 - 12.2012
Customer Service Representative
HDFC Bank India
09.2006 - 01.2011
Customer Service Representative
UAE Exchange & Financial Services India
12.2005 - 09.2006
Schooling up to 12th -
Border Security Force School
Bachelor of Commerce -
Lyallpur Khalsa College (GNDU)