Gopikrishnan Kannaiyah

• Direct daily operations of a busy fuel station and retail shop, ensuring efficiency, profitability, and compliance.
• Lead and mentor staff through effective rostering, training, and performance management.
• Introduced sales and customer service initiatives that boosted repeat customer retention and upselling.
• Implemented strict inventory control measures, reducing stock loss and improving availability.
• Oversaw financial operations, including cash handling, reconciliations, and budgeting, resulting in reduced wastage and higher margins.
• Ensured compliance with health, safety, and environmental regulations.

• Supervised daily retail operations, including staff management, stock control, and sales monitoring.
• Delivered a strong sales performance, contributing a significant increase in revenue within the first year.
• Successfully trained and onboarded employees, improving staff retention and performance consistency.
• Enhanced customer service standards, reducing complaints and driving higher satisfaction scores.

• Designed sales and service strategies to improve revenue and retention.
• Led, managed and motivated a branch team of 08 to consistently exceed sales targets by an average of 100%.
• Developed and implemented new training programmes, achieving exceptional staff retention rates.
• Reviewed and edited loan agreements to promote efficiency and accuracy.
• Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
• Resolved escalated customer issues in timely manner, which boosted retention rates by 100%.
• Facilitated smooth running of branch operations by verifying consistent compliance with standard operating procedures.
• Uncovered and resolved strategic and tactical issues impacting sales management and business operations.

1. Customer Service and Relationship Management 2. Staff Supervision and Management 3. Branch Operations 4. Compliance and Risk Management 5. Sales and Business Development 6. Reporting and Administration

• Handle complex customer queries and complaints efficiently.
• Maintain and build relationships with key clients.
• Guide customers on banking products like loans, deposits, insurance, and investment options.
• Ensure high levels of customer satisfaction.
• Supervise, train, and mentor junior staff (tellers, customer service officers, clerks).
• Monitor staff performance and provide feedback.
• Allocate daily work and manage staff schedules.
• Support recruitment and onboarding of new employees when needed.
• Oversee daily branch operations to ensure efficiency and compliance.
• Ensure accurate cash management and handling of transactions.
• Monitor account openings, deposits, withdrawals, and fund transfers.
• Ensure the branch meets operational targets and deadlines.
• Ensure adherence to banking policies, procedures, and regulatory requirements.
• Monitor for fraud, suspicious transactions, and operational risks.
• Maintain proper documentation for audits and inspections.
• Assist in internal and external audits.
• Support the branch in achieving sales targets for various products.
• Identify opportunities to increase business with existing clients.
• Assist in promoting new banking products and services.
• Work with marketing teams to implement local branch campaigns.
• Prepare reports on branch performance, cash flow, and staff activities.
• Maintain records of loans, deposits, and other financial instruments.
• Report operational issues to the Branch Manager or higher authorities.
• Ensure proper documentation for all transactions and customer accounts.

1. Cash Handling 2. Cash Security and Management 3. Customer Service 4. Reconciliation and Reporting 5. Compliance and Risk Management 6. Coordination and Support

• Receive and disburse cash for deposits, withdrawals, and other transactions.
• Ensure all cash transactions are recorded accurately in the banking system.
• Verify cash balances and reconcile discrepancies daily.
• Handle foreign currency transactions (if applicable).
• Safeguard cash in the vault or branch premises.
• Maintain proper cash limits as per bank guidelines.
• Monitor and report suspicious cash transactions.
• Ensure proper procedures are followed for cash counting, packing, and storage.
• Assist customers with cash withdrawals, deposits, and other cash-related services.
• Address customer queries regarding cash transactions or account balances.
• Provide guidance on banking products and services related to cash handling.
• Reconcile cash at the end of each day, including all inflows and outflows.
• Prepare daily, weekly, and monthly cash reports for branch management.
• Report any discrepancies or irregularities promptly to senior management.
• Ensure all cash transactions comply with banking policies and regulatory requirements.
• Detect and prevent fraudulent activities or counterfeit notes.
• Follow anti-money laundering (AML) guidelines and report suspicious activities.
• Coordinate with other bank departments (loans, operations, customer service) for smooth transactions.
• Support branch audits by providing accurate cash records and documentation.
• Assist in training junior staff in proper cash handling procedures.

1. Customer Service 2. Cash Handling and Operations 3. Account Management 4. Staff Supervision 5. Compliance and Risk Management 6. Reporting and Administration

• Handle customer inquiries, complaints, and requests efficiently.
• Assist customers with account services, deposits, withdrawals, and loan-related queries.
• Promote banking products and services to enhance branch business.
• Supervise cash transactions to ensure accuracy and compliance.
• Monitor teller operations and assist in cash management.
• Reconcile cash balances and prepare reports for the branch manager.
• Oversee account openings, closures, and modifications.
• Ensure proper documentation and verification for various account-related processes.
• Maintain customer records and update account information accurately.
• Support and supervise junior staff in day-to-day operations.
• Train staff on banking procedures, customer service, and compliance requirements.
• Monitor performance and provide feedback to improve efficiency.
• Ensure all branch activities comply with bank policies, procedures, and regulatory requirements.
• Monitor for fraudulent or suspicious activities and report them to senior management.
• Assist in internal audits and documentation for regulatory inspections.
• Prepare daily, weekly, and monthly reports on branch performance and operations.
• Assist the branch manager in operational planning and achieving targets.
• Maintain records of loans, deposits, and other financial instruments.

1. Customer Service 2. Cash Handling 3. Account Maintenance 4. Documentation and Record Keeping 5. Administrative Support 6. Compliance and Security

• Assist customers with basic banking transactions like deposits, withdrawals, and cheque processing.
• Respond to customer queries regarding accounts, services, and bank products.
• Guide customers on filling forms and opening accounts.
• Handle cash transactions accurately under supervision.
• Count, verify, and reconcile cash at the start and end of shifts.
• Ensure cash safety and report discrepancies promptly.
• Maintain and update customer account information.
• Process account openings, closures, and other routine account-related requests.
• Assist in updating passbooks, statements, and records.
• Prepare and file necessary banking documents.
• Maintain accurate records of transactions and customer correspondence.
• Support compliance by ensuring proper documentation is in place for audits.
• Assist the branch staff and management in routine administrative tasks.
• Coordinate communication between customers and higher management.
• Help organize branch files, schedules, and reports.
• Follow bank policies, procedures, and regulatory guidelines.
• Report suspicious transactions or fraudulent activities.
• Ensure adherence to operational and security protocols.