Viniti Dhar
Aberdeen
Summary
An astute and successful professional with more than 6 years of diverse experience in the Finance and Banking Industry. I have accomplishments in B2B Cold Calling, Banking Sales and Marketing, Managing High Net-worth Individual clients, Customer Relationship Management, identifying potential money laundering activities and hands-on experience in advising and educating customers on banking products and suggesting the best options that meets their financial goals. I am proficient in daily banking customer queries and services, maintaining cordial relationships with customers along with ensuring quality of service norms to achieve customer satisfaction and business retention.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Universal Banker
HSBC Bank
05.2025 - Current
- Performed client research and identified opportunities for account growth and account penetration
- Adhered to established security procedures and reported potential fraud or safety violations to management for immediate recourse.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Identified customer financial needs through in-person efforts and referrals while providing strong product knowledge and quality service.
- Displayed knowledge and proficiency in explaining, selling and administering products and referred customers to appropriate resources for enhanced services.
- Developed and maintained strong customer relationships, providing exceptional service and advice.
- Investigated customer inquiries and resolved discrepancies in helpful and timely manner.
Senior Banking Consultant
Nationwide Building Society
04.2024 - 04.2025
- Exceeded customer satisfaction by finding creative solutions to problems.
- Ensured compliance with federal regulations related to banking practices.
- Provided excellent service and attention to customers through phone conversations. Identified needs of customers promptly and efficiently.
- Worked with cross-functional teams to achieve goals.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
- Processed customer orders accurately and efficiently while maintaining records of transactions.
Financial Advisor
Bank Of America Merrill Lynch
01.2019 - 06.2019
- Successfully cleared Securities Industrial Essentials (SIE Exam) and Series 7 General Securities Representative Exam
- Assisted individuals and families to build and execute wealth management strategies based on unique goals and objectives
- Construct business plan and identified target customers by interacting on phone and in person, managing basic inquiries and providing quotes
- Interviewed clients to determine income, expenses, financial objectives and risk tolerance in order to develop successful financial plans
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts
- Provided specialized financial planning support for clients with diverse portfolios and individual needs and delivered strategic investment advice for individual and corporate Clients.
Senior Financial Advisor
Yes Bank Ltd
10.2015 - 05.2018
- Key role in rendering financial and investment advisory services to High-Net-worth Individual clients for buying tailor-made investment solutions, Structured products and banking products
- Cultivated and strengthened relationships with new clients and educated clients on account services and capabilities
- Exclusively handling book size of EOP (End of Period) $10Mn for 600 clients
- Boosted client base to 125% from Oct 2015 to March 2018 and exceeded sales target month on month
- Counseled HNW (High Net worth) and UHNW (Ultra High net worth) clients on financial matters and provided recommendations on investment opportunities, products, and services based on client needs and asset availability
- Exceeded semi-annual target of $1Mn revenue income for year 2016-17 and promoted to Senior Manager Financial Advisor
- Prepared for and coordinated marketing events created marketing compliance documentation, and managed event marketing to generate new leads
- Monitoring business performance, effective internal communication, and ensuring proper maintenance of all accounts while managing proper coordination between client and SPOC for specialized products
- Responsible for Designing and implementation of Monthly marketing activities in catchment for New to Bank prospects exclusively for High-Net-worth clients
- Awarded with merits on best performance on inter-branch competitions held nationally.
Personal Banker
Kotak Mahindra Bank
04.2014 - 10.2015
- Provided branch banking solutions and expertise in problem-solving techniques for 300 Tagged customers with ability in handling and helping them manage wealth management
- Revived more than 190 inactive client relationships out of 300 assigned inactive/dormant base
- Helped clients plan for and fund retirements using mutual funds and other options to manage, customize and diversify portfolio and conducted detailed financial reviews for business clients to sell appropriate products to fit client's needs
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services
- Worked closely with management to strategize sales techniques to increase branch production and customer service
- Maximized revenue through improved sales techniques and branch efficiency through positive customer feedback and service
- Provided clients with budget management, financial guidance and assessed risk profile for each customer and updated them time to time
- Processed customer requests for statements, ordered additional checks and updated customer personal information in database.
Education
Masters in Business Administration - Sales and Marketing
Christ University Institute of Management
Bachelors of Business Administration - undefined
Indraprastha University
Skills
- Business Development
- Financial Advising
- Client Relationship Management
- B2B and B2C
- Investment Portfolio
- Project Management
- Regulatory and KYC compliance
- Retail Branch Banking
Certification
- Insurance Regulatory and Development Authority of India (2016)
- National Institute of Securities Markets (2016)
- FINRA Securities Industry Essentials (SIE) (2019)
- FINRA Series 7- General Securities Representative Exam (2019)
- CISI International Certificate in Wealth & Investment Management Level 3 (2023)
Timeline
Universal Banker
HSBC Bank
05.2025 - Current
Senior Banking Consultant
Nationwide Building Society
04.2024 - 04.2025
Financial Advisor
Bank Of America Merrill Lynch
01.2019 - 06.2019
Senior Financial Advisor
Yes Bank Ltd
10.2015 - 05.2018
Personal Banker
Kotak Mahindra Bank
04.2014 - 10.2015
Bachelors of Business Administration - undefined
Indraprastha University
Masters in Business Administration - Sales and Marketing
Christ University Institute of Management
Personal Profile
I wish to get back to what I love the most that is being around people and having long conversations. I have been on a maternity break since 2020 until 2024 to take care of my child and myself during the nurturing phase. My child rearing experience has been thrilling and has only enhanced my talents in leadership, teamwork and managing multiple schedules.