Summary
Overview
Work History
Education
Skills
Certification
Additional Information
Work Availability
Timeline
Receptionist
Aravind M

Aravind M

Banker
Chennai

Summary

Serviced-focused and dedicated to delivering positive customer experiences to promote loyalty and repeat business. Sales leader with sound judgment, good planning abilities and interpersonal communication strengths.

Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.

Overview

17
17
years of professional experience
9
9
years of post-secondary education
1
1
Certification
3
3
Languages

Work History

Deputy General Manager and Branch Head

IDBI Bank Ltd
Kalyan
05.2022 - 10.2023
  • Headed 60 year old legacy and flagship branch at Kalyan, Maharashtra. Branch had retail banking portfolio of 400 crores.
  • Complied with RBI regulatory guidelines and requirements.
  • Examined customer loan applications for loan approvals and ensured quick TAT.
  • Completed filings and upheld strict compliance with regulatory agencies and supervisors.
  • Fostered and promoted cooperative and harmonious working climate conducive to maximum employee morale, productivity, and effectiveness.
  • Reviewed employee performance results to target and take corrective measures with authorization and escalation.
  • Administered operating branch budget, approved expenditures and implemented budgetary adjustments.
  • Managed branch business budget implementations, employee evaluations, and contract details.
  • Analyzed market trends and competitor activities to create competitive advantages.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.

Assistant General Manager of Operations

IDBI Bank Ltd
Chennai
06.2020 - 05.2022
  • Established the Retail asset operations hub at Chennai location successfully.
  • Undertook sucessful appointment of Documents storage and retrival vendor for entire south India unde through RFP process.
  • Controlled spending on overhead of the newly established RAO Hub by devising and executing cost-management process.
  • Evaluated department conditions and operations to determine strengths and areas for improvement.
  • Esured team management and establieshed work flow amonst various departments at the hub Location.
  • Enured excellent Audit rating of the new HUB office on all performance metrics.

Assistant General Manager of Retail Assets

IDBI BANK LTD
Chennai
06.2019 - 06.2020
  • Retail Asset portfolio of entire Chennai region was managed successfully and GNPA was reduced Year on year.

AGM and Centre Head Retail Assets Centre

IDBI Bank Ltd
Chennai
06.2018 - 06.2019
  • Headed the Retail Assets Centre for Chennai situated at Kodambakkam.
  • Rated as the best Retail Assets Centre during 2018-19.
  • Managed large DSA's and DST Team for Mortgages and housing loans.
  • Explained different types of loans pertaining to client situations.
  • Reviewed loan files and updated to match current standards.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Acted as a team leader in group projects, delegating tasks and providing feedback.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Worked well in a team setting, providing support and guidance.

AGM : Asset & Relationship Manager

IDBI BANK LTD
Hyderabad
01.2014 - 06.2018
  • Experience in Retail Banking Credit appraisal, Mortgages, documentation, Credmin Microfinance and Recovery of stressed assets of Hyderabad region.
  • Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
  • Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
  • Created and maintained databases to track HNI & SME customer discussions and preferences for accurate, updated records.

Manager of Retail Recovery Dept

IDBI Bank Ltd
Chennai
11.2010 - 06.2014
  • Developed and maintained relationships with Recovery Agencies and panel advocates for achivement of Recovery Targets for entire Tamil Nadu zone.
  • Maintained professional, organized, and safe environment for employees and channel partners.
  • Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
  • Cross-trained existing employees to maximize team agility and performance.

Asst.Manager

IDBI Bank Ltd
Chennai, Tamilnadu
07.2006 - 11.2010
  • Credit analyst for structured retail asset, mortgage loan, housing loan and personal loan.
  • Collection-Retail Asset portfolio of entire Tamilnadu state for IDBI Bank.
  • Managed banks panel advocates performance for recovery action at Debts Recovery Tribunal, Civil court and Madras High court.
  • Collection Agency management and control for entire Tamil Nadu zone and ensured RBI compliance.
  • Described product and service details to customers to provide information on benefits and advantages.
  • Escalated critical customer issues to supervisor immediately to avoid lost revenue and canceled policies.
  • Provided company information and policies to customers upon inquiry and answered questions via phone, email, or online chat.
  • Persuaded customers to sign up for customer loyalty program to generate additional company revenue.
  • Corresponded with delinquent customers to collect payments and make billing arrangements.
  • Informed customers of upcoming promotions and deals to boost sales.
  • Demonstrated a high level of initiative and creativity while tackling difficult tasks.

Education

S.S.L.C - Maths Science English Hindi Social Studies

Kendriya Vidyalaya
Avadi
04.1998 - 04.1999

H.S.C - Physics Chemistry Maths Biology English

Kendriya Vidyalaya
Avadi
05.2000 - 05.2001

B.Tech - Industrial Bio- Technology, Technology

Alagappa College of Technology
Anna University Chennai
05.2001 - 05.2005

MBA - Financial Services Management

Anna University
Chennai
05.2010 - 05.2012

CAIIB - Banking

Indian Institute of Banking And Finance
Chennai
12.2007 - 06.2008

Skills

    Customer portfolio management

undefined

Certification

40 DATE OF BIRTH: 22/12/1983.Sex: Male

Additional Information

  • STATE: Tamil Nadu PINCODE: , 600016 PHONE: 9640046688

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse

Timeline

Deputy General Manager and Branch Head

IDBI Bank Ltd
05.2022 - 10.2023

Assistant General Manager of Operations

IDBI Bank Ltd
06.2020 - 05.2022

Assistant General Manager of Retail Assets

IDBI BANK LTD
06.2019 - 06.2020

AGM and Centre Head Retail Assets Centre

IDBI Bank Ltd
06.2018 - 06.2019

AGM : Asset & Relationship Manager

IDBI BANK LTD
01.2014 - 06.2018

Manager of Retail Recovery Dept

IDBI Bank Ltd
11.2010 - 06.2014

MBA - Financial Services Management

Anna University
05.2010 - 05.2012

CAIIB - Banking

Indian Institute of Banking And Finance
12.2007 - 06.2008

Asst.Manager

IDBI Bank Ltd
07.2006 - 11.2010

B.Tech - Industrial Bio- Technology, Technology

Alagappa College of Technology
05.2001 - 05.2005

H.S.C - Physics Chemistry Maths Biology English

Kendriya Vidyalaya
05.2000 - 05.2001

S.S.L.C - Maths Science English Hindi Social Studies

Kendriya Vidyalaya
04.1998 - 04.1999

Similar Profiles

CREATE PROFILE
Aravind MBanker