ANURAJ A
Summary
An accomplished professional with 15+ years of progressive experience in the Banking operations and sales, Financial sector, Insurance, Secured and Un secured loan products like Microfinance ,HL/LAP, Business loans,Gold,CV/UC which includes a mélange of activities, conducted & spearheaded with the sole objective of Banking Operations, Branch Operations, Business Planning and Solutions, Loan Products Sanctions, Credit Analysis, Client Orientation along with Strong Leadership Expertise in compliance management, revenue optimization, P&L management, sales management, and transaction management Prudent in handling branch liabilities, asset business, client acquisition, cross-selling of various products of banks Excellent track record of improving branch productivity and driving consistent delivery of services by streamlining operations, conducting audit checks, and identifying & mitigating risks Outstandingly successful in spearheading customer-centric operations; resolving the customers complaints /issues related to products; assess the customers' feedbacks & evaluate the areas of improvements to tune up the business strategies Leading large teams, leveraging existing systems, providing innovative solutions, analyzing processes and concepts, and managing people strategically to drive businesses forward by increasing productivity, efficiency, and effectiveness Skilled in assessing the client's requirements, business process re-engineering, cash and non-cash management, training requirement identification, policy and procedure adherence, and formulation Leverages industry-relevant skills in business functions while having an in-depth understanding of standards & processes with the mindset of continuous improvement & benchmarking Self-motivated, detailed-oriented, and highly positive thinking professional with a passion for excellence and constant learning; working with culturally diverse people, and bringing thought leadership
Overview
20
20
years of professional experience
Work History
Cluster Operations Manager
IDFC First Bharat Ltd
09.2019 - Current
- Handling the entire cluster of branch operations, steering a team of 18 branches, including 36 operations.
- Handling the loan operations process of secured and unsecured loan products, such as microfinance, HL/LAP, gold, business loans, and CV/UC.
- Upgrading and implementing an appropriate system of policies, internal controls, accounting standards, and procedures.
- Ensuring compliance with regulatory requirements relating to banking operations
- Evaluating the loan documents before disbursing the loan, and timely sending them to the crown office.
- Administering the sanction of all cash-in-hand related matters.
- Handling the bank’s operational risk exposure by assisting the business in identifying areas of operational risk exposure, and by developing and implementing corrective actions.
- Provisioning an excellent level of customer relations and promoting the sales and service culture through coaching, guidance, and staff motivation.
- Achieving the individual and branch sales goals through new business sales, referrals, and retention of account relationships.
- Handling and resolving the compliance issues at the branches within the given time frame.
- Tendering consultancy on various aspects of business and operations, covering diverse areas related to HR, i.e. Improve employee productivity, goal setting, performance management, identification of learning, leave sanctioning, promotions, and development requirements.
Deputy Manager
Muthoot Finance Limited
10.2010 - 09.2019
- Leadership in initiatives focused on the development of secured loan products, gold loans, debentures, and financial services.
- Maintained and enhanced the competitive advantages, improved customer experience, and drove product profitability.
- Handled the activities related to communication, processing, and enhancements related to services, distribution operations, customer service, administration, audit-related matters, core banking, and sales.
- Led team meetings to discuss performance and operational improvements.
Administrative Officer
Mashreq Bank, Oman Insurance Company (PSC), U.A.E
06.2009 - 06.2010
- Spearheaded a team of 10 sales agents and generated the reports
- Pivotal role in recruiting agents from UAE and other countries
- Developed the marketing plans & implemented them as per agreed objectives to maximize profitability & achieve business growth
- Achieved consistent growth in profits and business ensuring quality assets, in a highly competitive environment
Executive Sales Officer
Tata AIG Life Insurance Co. Ltd
08.2007 - 03.2009
- Steered 10 branches; Identified new business by selling the prospects and maintaining the healthy relationship with the clients
- Expanded direct customers and channel partners with the collaboration of the sales team at various locations
- Implemented necessary actions to increase the profitability of the organization and reduce business risks
- Mentored and motivated sales team and developed their competencies through regular coaching
- Assisted front line sales team in conducting promotional/marketing activities regularly
- Conducted joint field calls and weekly review meetings for continuous motivation
- Highlight: Received two promotions within one year
Assistant Relationship Manager
India Infoline Ltd.
03.2006 - 08.2007
- Spearheaded a team of Marketing Officers, and supervised the activities to meet the sales target for achieving sales targets month on month
- Facilitated the training programs and motivational sessions to enhance the skills of Marketing Officers
- Collaborated with the sales managers to plan and develop effective sales strategies and also set goals/targets
- Effectively handled the escalations and resolved the customer complaints
- Maintained contact with clients to create a good working relationship that fosters increased sales and customer base
- Handled the Churn management, Process adherence, and implementation
- Oversaw the delivery of Product Presentation and designed the proposals
Education
Higher Diploma - C0-Operation & Business Management
State CO-Operative Union
India01.2004
Bachelor of Science - Physics
University of Kerala
India01.2003
Skills
- Banking Operations and Sales
- Handling Secured and Unsecured Loans Operations
- Loan document evaluation
- Staff mentoring
- Customer relationship management
- Revenue Generation
- Compliance Management
- Branch Operations & Profitability
- Escalation Management
- Audit and Review
- Risk Assessment
- Team Management
- Regulatory Requirements
Academics And Accreditation
- Bachelor of Science in Physics, University of Kerala, India, 2003
- Higher Diploma in Co-Operation & Business Management, State CO-Operative Union, India, 2004
Skype Id
anurajaa@gmail.com
Best Time To Call
Any Time
Availability
Ready to relocate immediately, Possess no bond with the current employer
Global Exposure - Description
Successfully worked with cross-functional teams, clients & employees from diverse backgrounds & geographies including UAE and India.
Timeline
Cluster Operations Manager
IDFC First Bharat Ltd
09.2019 - Current
Deputy Manager
Muthoot Finance Limited
10.2010 - 09.2019
Administrative Officer
Mashreq Bank, Oman Insurance Company (PSC), U.A.E
06.2009 - 06.2010
Executive Sales Officer
Tata AIG Life Insurance Co. Ltd
08.2007 - 03.2009
Assistant Relationship Manager
India Infoline Ltd.
03.2006 - 08.2007
Higher Diploma - C0-Operation & Business Management
State CO-Operative Union
Bachelor of Science - Physics
University of Kerala