Flexcube
Anand Krishnan R
Senior Manager - Branch Head
28/31/19, Krishnamandiram, Kovilvilai, Charode, Thuckalay Post, Kanyakumari
Summary
A personable, enthusiastic and result-oriented professional banker possessing 17+years of versatile work experience in overseeing branch operations, enhancing customer satisfaction and driving business growth. Proven track record of exceeding sales targets in retail assets, liabilities, deposits, business loans, working capital funding and fee income products, while ensuring strict regulatory compliance. Having strong sales, relationship management, analytical, interpersonal & multi-tasking skills for effectively assessing the customer needs, preferring solutions and recommending appropriate banking services to the clients, resulting in consistent achievement of the business targets. Seeking to leverage expertise in team leadership and financial management to drive profitability for an organization.
Overview
18
18
years of professional experience
1
1
Certification
4
4
Languages
Work History
Senior Manager - Branch Head
CSB Bank Ltd
Vadakkankulam, Tirunelveli
12.2024 - Current
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Implemented and developed operational standards, policies and procedures.
- Provided strong leadership to enhance team productivity and morale.
- Improved team performance by providing comprehensive training and fostering a collaborative work environment.
- Managed budgets effectively, achieving financial objectives while maintaining strict control over expenditures.
- Manage and direct the overall branch activities to reach established revenue goals for growth and profitability.
- Oversee daily branch operations, managing a team to ensure seamless, compliant service to customers.
- Support the expansion of existing businesses and the development of new businesses across all bank product lines.
- Develop relationships with HNI customers, and maintain knowledge of the customers' banking needs and their service expectations.
- Promote community relations for the branch through representation in community organizations.
- Maintain an up-to-date knowledge of the bank’s product offerings.
- Established performance goals for employees and provided feedback on methods for reaching those milestones.
- Increased branch deposits by implementing targeted local marketing and client outreach.
- Achieved 100% in customer satisfaction surveys by implementing personalized service training.
- Ensured 100% compliance with local, state, and federal banking regulations.
Business Lending Manager - MSME
CSB Bank Ltd
Kanyakumari, Tamilnadu
09.2022 - 12.2024
- Responsible for building the MSME business: working capital loans, term loans, LAP, secured and unsecured business loans of ticket sizes from 10 lacs to 5 crores in the Kanyakumari, Tirunelveli, Tuticorin, and Madurai locations.
- Supervised a team of six loan officers, promoting a positive environment and instilling a model of hard work and dedication.
- Leveraged market insights to identify growth opportunities and expand the organization''s lending operations.
- Monitoring the compliance and process adherence to ensure that the operations are legal, ethical, and secure.
- Improve the branch's profitability and revenue through cross-selling of asset and liability products, such as savings accounts, current accounts, fixed deposits, RDs, LIs, GIs, and other loan products.
- Focusing on monthly branch activation for my location for steady business growth.
- Developed strong relationships with key stakeholders, fostering trust and collaboration between departments.
- Monthly performance review for recognizing the achievements, accomplishments, and discussion about the areas that need improvement.
- Reporting to the management about the business development and planning required for the growth of the business.
- Managed risk effectively by closely monitoring loan performance and conducting thorough credit assessments.
- Delivered exceptional customer service, consistently resolving issues promptly and maintaining high levels of client satisfaction.
- Analyzed financial statements and tax returns to complete underwriting process
- Effective portfolio management of clients is essential to meet long-term financial objectives and reduce the risk of the bank.
- Implemented best practices in credit analysis to minimize default rates and maintain a healthy loan portfolio.
Portfolio Relationship Manager
Kotak Mahindra Bank
Chennai, Tamilnadu
06.2022 - 09.2022
- Portfolio relationship management of corporate-linked clients and handling supply chain finance of the southern geography covering Tamil Nadu, Karnataka, Kerala, Andhra Pradesh, and Telangana.
- Provide appropriate working capital solutions, like dealer finance, vendor finance, factoring, and fund/non-fund-based products, such as OD, CC, LC, and BG, to the clients.
- Penetrate the clients with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary relationship & group companies.
- Build relationships with key persons (CFOs/promoters) in the target segments, and build client trust and confidence.
- Focus on continually increasing the book and profitability of the assigned portfolio.
- Understand client business models, trade-related activities, cash flows, etc. And identify opportunities to increase the book size.
- Constantly maintain a rapport with the operating units to customize and develop proper solutions to the needs of clients.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
Relationship Manager - Business Loans Group
ICICI Bank Ltd
Kanyakumari, Tamilnadu
11.2020 - 06.2022
- Business sourcing and portfolio management of working capital loans to SME sector clients with a turnover from 1 crore to 100 crores in Tuticorin, Tirunelveli, and Kanyakumari locations.
- Handled seven branches and enhanced the portfolio size from 52 crores to 168 crores in Kanyakumari.
- Ensure the stability of income from the existing set of clients, and explore avenues for new income generation from both existing and new clients.
- Add value to the client, and stay ahead of the competition by structuring and implementing innovative deals in working capital, term loans, and project finance.
- Maintain good relationships with different stakeholders to originate and manage the business.
- Expanded market penetration with targeted marketing strategies aimed at reaching underserved businesses in need of financing options.
- Maximized loan origination efficiency by effectively prioritizing deals based on profitability and relationship potential.
- Developed new business opportunities by actively networking within the local market to identify potential clients.
- Strengthened client relationships by providing exceptional service and tailored financial solutions.
- Improved loan portfolio quality through diligent risk assessment and ongoing monitoring of clients'' financial health.
- Ensured credit policies were properly applied throughout the underwriting process while maintaining responsiveness to client needs.
- Enabled smooth deal execution by liaising between borrowers, credit analysts, legal counsel, and other relevant parties.
- Negotiated favorable loan terms with borrowers, securing mutually beneficial agreements that minimized risk exposure.
- Enhanced customer satisfaction by promptly addressing concerns and providing expert guidance on loan products and services.
Debt Manager - Gold Loans
ICICI Bank Ltd
Tirunelveli, Tamilnadu
07.2015 - 11.2020
- Handled the gold loan portfolio of three regions: Tirunelveli, Tenkasi, and Ramanathapuram, covering 42 branches, with a total book size of over 950 crores.
- Monitoring and tracking the interest collection and renewal activities of the gold loans to ensure the profitability of the bank.
- Circulates daily, weekly, and monthly performance MIS of the gold loan dump to the regional heads, cluster heads, and branch heads for early resolution.
- Training, coaching, and motivating the branch team to effectively use the digital channels for gold loan renewals, so as to reduce the bandwidth of manpower usage in branches.
- Effectively using the telecalling team and field team to improve customer resolution.
- Handled escalated calls, complaints, and queries from the customers, and provided appropriate solutions.
- Handled the sale of gold for the unresolved accounts through the auction portal and physical auction to reduce the loss for the bank.
- Extensive experience in delinquency management, profit maximization, and cost reduction.
- Ensure compliance according to the organizational regulations to reduce the risk in the collection activities conducted.
- Developed comprehensive policies and procedures for debt collection, ensuring compliance with industry regulations and best practices.
- Provided regular updates to senior management on the status of outstanding debts and recovery efforts.
- Built strong relationships with key stakeholders, working closely with branches and collection agencies to resolve outstanding debts.
Senior Product Executive
Shriram Transport Finance Company Limited
Trivandrum, Kerala
05.2008 - 07.2015
- Sales and portfolio management of new and used vehicle loans in Trivandrum, Kerala.
- Sourcing private vehicle and commercial vehicle loans, loan documentation, and processing for disbursement.
- Credit risk analysis and decision-making funding for the right set of customers.
- Maintaining and developing relationships with new vehicle dealers, used vehicle dealers, fleet operators, and agency channels for business development.
- Finding new scopes and related opportunities for maximizing business.
- Cross-selling LI, GI, gold loans, and working capital loans.
- Collection and delinquency management of sourced loans by directly visiting the DPD customers and NPA customers.
- Recover or surrender the vehicles from defaulting customers, and initiate auction sales.
- Sound knowledge and experience in handling police complaints and court execution proceedings.
- Coordinated with the legal team for handling the Arbitration and Conciliation Act, as well as experience in handling Lok Adalat and conciliation camps to recover the loss on sale.
Education
Master of Business Administration - Finance & Marketing
Anna University
Kanyakumari, Tamilnadu 04.2001 -
Bachelor of Science - Mathematics
Manonmaniam Sundaranar University
Tirunelveli, Tamilnadu04-2005
Skills
Time Management
Effective communication
Decision Making
Negotiation
Risk Analysis
Leadership
Financial Analysis
Credit Analysis
Problem Solving
Operations management
Adaptability and flexibility
Analytical skills
Customer relationship management
Multitasking
Accomplishments
- Achieved the YTD target in CA NAV for the FY 2025-2026 in CSB Bank
- Achieved 3rd place in the cluster in sourcing Gold Loan NTB clients for the FY 2025-2026 in CSB Bank
- Awarded for more conversion of gold loan renewals thru digital banking in ICICI Bank.
EXTRA-CURRICULAR ACTIVITIES
Reading Books
Listening Music
Marathon runner
Playing Volleyball & Kabadi
Functioning with a trust for youth welfare & empowerment
Software
Finnacle
Marvel
MS Office
Certification
IRDA certified
COURSES
Post Graduate Diploma in Computer Application
Timeline
Senior Manager - Branch Head
CSB Bank Ltd
12.2024 - Current
Business Lending Manager - MSME
CSB Bank Ltd
09.2022 - 12.2024
Portfolio Relationship Manager
Kotak Mahindra Bank
06.2022 - 09.2022
Relationship Manager - Business Loans Group
ICICI Bank Ltd
11.2020 - 06.2022
Debt Manager - Gold Loans
ICICI Bank Ltd
07.2015 - 11.2020
Senior Product Executive
Shriram Transport Finance Company Limited
05.2008 - 07.2015
Master of Business Administration - Finance & Marketing
Anna University
04.2001 -
Bachelor of Science - Mathematics
Manonmaniam Sundaranar University