Amal Antony Joseph
Kochi
Summary
Experienced banking professional with over 12 years of expertise in housing loans, customer relationship management, credit appraisal, and sales strategy. Proven track record in achieving business targets, enhancing client satisfaction, and contributing to organizational growth. Skilled in strategic planning, regulatory compliance, and cultivating key partnerships to drive growth and digital transformation in financial services
Began career in October 2013 as an Operations Clerk in Branch Banking at South Indian Bank, gaining foundational experience in customer service, account management, and daily banking operations. Promoted in 2018 to Assistant Manager, leading the Retail Loans Processing team—streamlining loan approval processes, ensuring regulatory compliance, and supporting business expansion
Advanced to Manager in 2021, continuing leadership in Retail Loan Processing while contributing to digital transformation initiatives. In 2022, actively participated in the bank’s Retail Loan Origination System (LOS) Project, playing a key role in process reengineering and digitization.
Since May 2023, serving as a Relationship Manager – Housing Loan Portfolio Purchase, responsible for acquiring mortgage portfolios from financial institutions, negotiating commercial terms, assessing credit risk, and optimizing loan performance.
Demonstrates consistent focus on operational excellence, customer satisfaction, digital enablement, and strategic portfolio growth. Brings a strong ability to adapt to evolving banking practices and deliver results aligned with organizational goals.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Relationship Manager
South Indian Bank Ltd
Mumbai
04.2023 - Current
- Managed and acquired mortgage loan portfolios from other financial institutions.
- Negotiated buyout terms and ensured regulatory compliance.
- Strengthened relationships with lenders and investors.
- Analyzed credit risks and optimized portfolio performance
Manager
South Indian Bank Ltd
Kochi
12.2021 - 03.2023
Played a key role in the bank’s new retail loan origination project using FinnOne by Nucleus Software.
• Conducted end-to-end testing of mortgage products to ensure seamless functionality and compliance.
• Configured parameters for the Business Rules Engine (BRE) to align with product and policy requirements.
• Successfully contributed to the implementation and completion of the bank’s new retail loan journey.
Regional Sales Manager
South Indian Bank Ltd
Mumbai
04.2021 - 12.2021
- Led sales planning, development and account management to grow existing accounts and establish new sales accounts in Mortgage Business
- Prospected, identified, and cultivated relationships with contacts to promote product lines and solutions of Mortgage Loan
- Developed and managed regional sales program and market operations.
Assistant Manager
South Indian Bank Ltd
Mumbai
04.2018 - 03.2021
- Focused on retail loan processing and digital integrations for housing loans.
- Underwriting of Retail Loans and Credit Analysis
Retail Loans Processing Officer / Operations Clerk
South Indian Bank Ltd
Kerala
10.2013 - 04.2018
- Managed branch operations and loan processing functions.
- Processed and managed housing loan proposals from application to disbursement.
- Supported the branch team in achieving sales and customer service goals.
- Ensured full compliance with RBI and internal banking regulations.
Education
Master's Degree - Accounting and Finance
St. Albert's College
01.2013
Bachelor of Commerce - B Com - Accounting and Finance
St. Albert's College
01.2010
Higher Secondary education -
St Alberts Higher Secondary School
01.2007
Schooling -
CCPLM Anglo Indian High School
01.2005
Skills
- Housing Loan Operations
- Relationship Management
- Credit Analysis
- Sales & Target Achievement
- Risk Assessment
- Compliance & Documentation
- Cross-functional Team Collaboration
- Finacle
- Core Banking Systems
- MS Excel
- CRM Tools
- Credit Assessment Tools
- Finnone Nucleus LOS
- New Gen LOS
Certification
- AML & KYC, Indian Institute of Banking and Finance, 2016
- Customer Service & Banking Codes & Standards, Indian Institute of Banking and Finance, 2017
- Prevention of Cyber Crimes and Fraud Management, Indian Institute of Banking and Finance, 2017
- Certificate Course in Digital Banking, Indian Institute of Banking and Finance, 2025
Languages
- English, Fluent
- Hindi, Fluent
- Malayalam, Native
Languages
Malayalam
First Language
English
Proficient
C2
Hindi
Upper Intermediate
B2
Timeline
Relationship Manager
South Indian Bank Ltd
04.2023 - Current
Manager
South Indian Bank Ltd
12.2021 - 03.2023
Regional Sales Manager
South Indian Bank Ltd
04.2021 - 12.2021
Assistant Manager
South Indian Bank Ltd
04.2018 - 03.2021
Retail Loans Processing Officer / Operations Clerk
South Indian Bank Ltd
10.2013 - 04.2018
Master's Degree - Accounting and Finance
St. Albert's College
Bachelor of Commerce - B Com - Accounting and Finance
St. Albert's College
Higher Secondary education -
St Alberts Higher Secondary School
Schooling -
CCPLM Anglo Indian High School