Resume

Harmandeep Kaur Mall

linkedin.com/in/harmandeep-kaur-mall

CAREER OBJECTIVE

10+ years of experience as Client-focused relationship officer in Banking sector coupled with 7 months of exceptional customer service experience in the Telecom Industry. Experienced in Accounting & Financial Analysis using several Core Banking software & Microsoft Excel. Aspiring to leverage my diverse background and expertise to secure a challenging role in a dynamic organization where I can contribute my extensive knowledge in finance, banking operations, and customer relationship management to drive business growth and deliver exceptional service.

QUALIFICATIONS & CERTIFICATIONS

Torrens University October 2022 – Current Master of Business Information Systems Adelaide, SA

Panjab University Graduation 2005 - 2008 Bachelors of Mathematics PU, Chandigarh

Microsoft certification in MS-Office Tools October 2010 – April 2011

SKILLS

Employability skills: Critical Thinking; Problem Solving; Communication; Strong Work Ethic; Analytical; Self-Management; Continuous Learning.

Microsoft Office: MS Excel, Office, Outlook, Teams**.**

Banking: Infosys Finacle Core Banking software, Sarvatra BankEasy Core Banking System.

Database: SQL Language, SQLite.

OS: Windows.

WORK EXPERIENCE

TSA Group Dec 2022 – Aug 2023

Telstra Inbound Sales Team Member Adelaide, SA

  • Handling incoming inquiries from potential customers through phone calls.
  • Actively listening to customer queries and understanding their needs, preferences, and pain points.
  • Providing detailed information about the products or services offered by Telstra, including features, benefits, pricing, and any promotional offers.
  • Identifying opportunities to upsell or cross-sell additional products or services to meet customer needs and increase sales.
  • Delivering a persuasive sales pitch or presentation to highlight the value proposition of the Telstra products and services.
  • Tracking and managing the sales pipeline by updating lead statuses, follow-ups, and conversion rates in Salesforce CRM software.
  • Use the proper techniques and instruments to provide information that is true, accurate, and comprehensive.
  • Building and maintaining positive relationships with customers to enhance customer loyalty and repeat business.
  • Meeting or exceeding individual and team sales targets set by the TSA.
  • Continuously updating knowledge of products, services, and industry trends to effectively communicate with customers and address their queries.
  • Establish and nurture long-lasting relationships with customers by fostering open and active communication, earning their trust and loyalty.

The SAS Nagar Central Co-operative bank ltd. June 2012 – August 2022

Client relationship officer SAS Nagar, India

  • Introducing and promoting various financial products and services offered by the bank to both existing and potential customers through telephonic calls, and conversations in the market.
  • Educating customers about the features, benefits, and suitability of different products, such as savings accounts, loans, investment options, insurance policies, and credit cards.
  • Responding to customer inquiries and providing accurate information about banking products, services, account details, interest rates, fees, maturity dates, renewing long-term deposit accounts and other relevant information.
  • Assisting customers with account-related queries, financial transaction clarifications, and solving any issues or concerns they may have, whether face-to-face, over the phone, or through correspondence.
  • Meeting sales targets for financial products and services, contributing to the bank’s overall growth and success.
  • Analyzing monthly and yearly financial reports for the branch, including deposits, loans, interest earned, and expenses.
  • Collecting and analyzing financial data from various sources, including financial statements, balance sheets, income statements, and cash flow statements.
  • Assisting in the preparation of budgets and financial forecasts for the bank, considering factors like revenue projections, expenses, and market conditions.
  • Conducting investment analysis to evaluate the potential returns and risks of different investment opportunities for the bank.
  • Evaluating the financial risks faced by the bank and assessing their potential impact on the bank’s operations and profitability.
  • Ensuring smooth processing of debits, credits, and transfers for clients using the Finacle core banking system as per their requirements.
  • Assisting new customers with the account opening process and necessary documentation for savings, insurance, loan, long-term deposits, and fixed deposit bank accounts.
  • Verifying customer photos and signatures to detect and prevent financial fraud before making payments.
  • Ensuring completion of Know Your Customer (KYC) documentation for all old accounts in the bank.
  • Implementing new procedures and policies issued by the Head Office.
  • Submitting checks, drafts, and settlement data to the clearing house for exchange and settlement with other banks.
  • Managing mailing and delivery of items, such as checks and drafts, to the clearing house.
  • Verifying and reconciling differences in records, locating missing checks, and correcting errors in records.
  • Entering checks in the Finacle system for inward clearing processing.
  • Conducting ATM reconciliation to ensure accuracy in ATM transactions.

PERSONAL

  • I place value in honesty and strong interpersonal skills.
  • I believe in clear and simple communication skills to work with non-tech people.