Anuj Gupta

Experience

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  ICICI Bank

  Apr 2003 - May 2009

  Branch Operations Manager & Team Leader

  • Handling overall general banking operations which includes focus on new business generation through cross selling of bank’s various products and services, more focus on CASA and term deposit products.• Relationship management with clients of various types with focus on customer acquisition and customer retention.• Maintaining and supervising the Balance score card, Branch banking matrices & audit and compliance of the branch.• Checking clearing transactions (inward/outward) as per audit requirements and their reconciliation with the nodal bank. • Handled Central bank reporting, monthly reconciliation reports, concurrent audit reports.• Proficiency in FINACLE at branch operation manager level, help in resolving the operational related issues in FINACLE and recommendation of changes.• Handling of complaints and queries from regional branches regarding the clearing, account opening & transactions.• Responsibility for reducing the complaints of the customers by properly monitoring of FCRM module.• Managing the team of 3 persons in RRC department thru proper handling of FCRM and coordinating with other departments of RPC.• Maintain cordial relation with customers (region wise branches) for proper monitoring of RRC department.• Provide training to branches for query resolutions as well as complaints handling in front office.• Cash Management Services: Overall monitoring of CMS activities of all the branches and their reconciliation thru reports given by CMS hub, Mumbai.Achievements: • Outstanding rating (93.20% in the region) in yearly audit of branch during the tenure as Branch Audit Champion in ICICI BANK LTD• Facilitated by Regional head for reduction of complaints from 31 to 2 in the span of six months in ICICI BANK LTD RPC branch.• Participated in training “INTERPERSONAL EFFECTIVENESS AND INFLUENTIAL SKILLS” in ICICI BANK LTD. Show less

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  UAE Exchange

  May 2009 - Aug 2012

  Assistant Branch Manager

  Major responsibilities included1) Responsible for branch AML functions which includes:o Daily reporting of compliance issues and day end reports to compliance dept.o Checking and verification of all high value remittance transactions and high value FC sales with customer details.o Filing of STR report in case of suspicious transaction.o Review and implementation of all circulars/SOP's or amendments issued by compliance department with all the staff.2) Coordination with projects department for assets related issues.3) Review of branch performance in terms of Profitability, revenue enhancement and minimize customer complaints and queries.4) Coordination with dealing department for various exchange rates and supervising the daily cash closure activities along monitoring of funding to currency chest on daily basis.Achievements• Cleared Assistant Branch Head exam and Supervisory Selection Program (SSP) in UAE Exchange.• Selected as Service champion in Customer Service Excellence Exam.• Selected as top 3 employees in the Abu Dhabi region for highest XM transactions contest. Show less

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  Al Razouki Exchange

  Sept 2012 - Aug 2023

  Manager

  Growth PathTrainee Manager – ICAD BranchManager – Remittance (Jebel Ali Industrial Area Branch & Al Quoz Branch, Dubai)Foreign Exchange Manager – Deira Branch, DubaiKey Result Areas: Monitored and analyzed market trends and fluctuations in currency exchange rates to determine optimal buying and selling times. Managed and oversaw the branch's foreign currency exchange operations, including buying and selling foreign currency, ensuring accurate transaction processing, and managing cash inventory. Fostered relationships with the Bank notes divisions of exchange houses in UAE and established new agreements with them to boost the bank notes business of the company. Implemented continuous marketing strategies to promote branch products effectively within the local community. Facilitated regular opening of NRE/ NRO accounts for Indian customers, resulting in increased INR volume and customer base. Monitored HNI clients to drive high-value remittance business growth for the branch. Cultivated relationships with corporate clients, facilitating the addition of new WPS (Salary relationship) and corporate registrations for trade-based payments to various countries. Oversaw AML processes and procedures, including STR submissions, due diligence for high-value remittances, and half-yearly reviews of corporate customers. Monitored corridor-wise business performance with a special focus on remittance numbers. Successfully revitalized dormant accounts. Provided staff training on effective cross-selling techniques to drive branch growth. Gathered and analyzed customer and competitor data to forecast monthly sales and identify new business opportunities.Highlights:  Conducted customer due diligence and enhanced due diligence for all forex and remittance transactions, ensuring compliance with Central Bank of UAE guidelines. Achieved a remarkable 200% increase in branch business within six months of joining as Trainee Manager. Show less

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  Federal Exchange

  Oct 2023 - Jan 2025

  Branch Manager

   Managing a high-volume, business-oriented branch of the company. Driving growth and improvement in branch business operations. Implementing:o Corridor-wise business strategies to enhance remittance and forex operations:o Competitive remittance rates to improve business in Arab and Africa corridors. Achieved a remarkable 100% increase in business from the Bangladesh corridor. Introducing competitive forex rates to enhance foreign exchange buying and selling activities. Improving salary accounts business by actively pursuing new leads from walk-in customers and engaging with nearby companies. Implementing a street-wise pricing strategy to improve overall company competitiveness across all branches.A) In Remittance , we need to price the product as per the competition of the area. If competition is low then price of the product would be in Profit range. If the competition is there, then we need to keep the product near by the dealing cost.B) This strategy would be used for all branches who cater to specific area and not to branches where the competition would be normal. Leading sales, service and distribution of banking products for various customer segments, through multiple channels including branches, outbound sales teams, relationship teams  Introducing and implementing new risk controls in the wake of a heightened regulatory framework, improving processes and ensuring that customers received the best service experience Studying the budget and monitoring financial performance vs the budget so that the business is aware of anticipated costs/revenues Identifying unsatisfactory performance and potential areas of cost reduction or performance improvement opportunities Show less

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  RemittancesHub

  Jan 2025 - now

  Fintech specialist- FX/ Cross Border Remittances