A J PRABHU
Madurai
Summary
Results-Driven Senior Banking Professional with 20 Years of Experience in Specialized Gold Loan Management and Retail Banking. Proven Track record in Leading Large Team across 100+ Branches in Achieving Business Growth with High Standard Efficiency. Experience Working Across Down South India Market in driving Revenue Growth within Competitive Markets.
Overview
23
23
years of professional experience
Work History
Territory Manager
IIFL Finance Limited
Trichy
11.2025 - 02.2026
- Handled 10+ Branches across Districts with AUM of 50+Crores.
- Growing the gold loan book (assets/AUM).
- Maintaining healthy collections and low defaults (Zero NPA goal).
- Expanding market share through strategic sales and marketing.
- Analyzed market trends to identify new business opportunities in assigned region.
Area Sales Manager
HDFC Bank Ltd
Madurai
11.2023 - 08.2024
- Handled 100+ Branches across South Tamilnadu.
- Coordinating with Top Management Circle Head & Cluster Heads for Gold Loan Business Development.
- Maintained in-depth understanding of banking processes, systems, and RBI guidelines, ensuring adherence to KYC and statutory obligations
- Branch Visits Periodically to Review Branch Manager Performance in Gold Loan.
- Monitored sales performance metrics, analyzed data, and made data driven decisions to improve results.
Branch Manager
CSB Bank Ltd
04.2021 - 08.2023
- Led branch operations to ensure compliance with banking regulations and policies.
- Developed and implemented targeted sales strategies to enhance customer engagement.
- Mentored staff to improve performance and foster professional development.
- Analyzed financial reports to identify trends and inform strategic decision-making.
Operations Team Leader
Star Union Dai-Ichi Life Insurance
Madurai
07.2020 - 05.2021
- Handled 100 UBI Bank branches and 40 BOI Bank branches across South Tamilnadu.
- Managed the processing and issuance of new policies, renewals, and administrative documents, ensuring accuracy and compliance.
- Assisted with financial and medical underwriting to assess risks, contributing to informed decision-making.
- Efficiently resolved claims, minimizing customer disruption and maintaining positive relationships
- Organized regular meetings between Top Management of Banks to share best practices across zones.
Regional Manager
Muthoot Finance Limited
Madurai
01.2017 - 06.2020
- Handled 80+ Branches spreads in 5 District with 700 Crores AUM.
- Highest ever Growth of 50+ Crores in Q4 (2019 - 2020)
- 5 Crores Disbursement in a Single Day during Pandamic
- Pan India Best Performance in OTC products like MCCC, SIP Etc.
- 100kg of Gold Sales in Akshaya Tritiya is the Best Ever Performance for the Region.
- Managed the Gold Loan portfolio and profitability for the entire region implementing strategies to maximize revenue and minimize risk.
- Reviewed audit reports and implemented corrective actions to ensure compliance, mitigating potential liabilities.
Branch Manager
ICICI Bank Ltd
Kayalpattinam & Ramanathapuram
01.2013 - 12.2016
- Managed a branch with100 Crores Book Size with Team size of 10+
- Highest SHG Loan Disbursement in the District and got Award from the Collector.
- 6 Crores of LI Business in a FY is Best Ever Performance from the inception of the Branch
- Kayalpatinam Branch Profitability was improved to 50Lacs from the Loss Making of 9Lacs in 2 Years.
- 1Crore of Personal Loans Disbursed which was the Best Performance for the Branch.
- 1Crore of Life Insurance Business in 6 Months was the Best Ever Performance in the Branch History
Teller / Branch Sales Manager
Axis Bank Ltd
Karur & Ramanathapuram
08.2007 - 12.2012
- Achieved 125% in CA-CDAB and 110% in SA-CDAB (FY 2010 -2011)
- Achieved 150% of Fee income Budget in FY 2010 -2011.
- Topper BSM in Coimbatore Circle with 224% in TPP.
- Won various Pan India and Zonal Level contests in FY 2011- 2012
Sales Manager
HDFC Standard Life Insurance Co. Ltd.
Madurai
06.2006 - 07.2007
Team Leader
Indusind Bank Ltd
Madurai
06.2005 - 05.2006
Sales Executive
IDBI Bank Ltd
Madurai
11.2002 - 05.2005
Education
Bachelor of Science - Physics
The American College
Madurai. IndiaSkills
Sales leadership
Customer acquisition
Team building
Decision-making
Rapport and relationship building
Customer complaint resolution
Administrative leadership
Organizational development
Training skills
Goals and performance
Timeline
Territory Manager
IIFL Finance Limited
11.2025 - 02.2026
Area Sales Manager
HDFC Bank Ltd
11.2023 - 08.2024
Branch Manager
CSB Bank Ltd
04.2021 - 08.2023
Operations Team Leader
Star Union Dai-Ichi Life Insurance
07.2020 - 05.2021
Regional Manager
Muthoot Finance Limited
01.2017 - 06.2020
Branch Manager
ICICI Bank Ltd
01.2013 - 12.2016
Teller / Branch Sales Manager
Axis Bank Ltd
08.2007 - 12.2012
Sales Manager
HDFC Standard Life Insurance Co. Ltd.
06.2006 - 07.2007
Team Leader
Indusind Bank Ltd
06.2005 - 05.2006
Sales Executive
IDBI Bank Ltd
11.2002 - 05.2005
Bachelor of Science - Physics
The American College