ARAVINTHAN K S
CHENNAI
Summary
Dynamic Team Manager with a proven track record at PNB Housing Finance Limited, specializing in risk management and employee training. Expertise in cultivating client relationships and crafting effective sales strategies has resulted in streamlined mortgage processes, significantly boosting operational efficiency and client satisfaction. A strong communicator and problem solver dedicated to achieving measurable results.
Overview
6
6
years of professional experience
Work History
Team Manager
PNB Housing Finance Limited (PHFL)
CHENNAI
01.2024 - Current
- Delivered ongoing training sessions for newly hired bankers on banking systems and procedures.
- Performed risk management through monitoring and evaluating conditions.
- Addressed and rectified customer issues promptly through effective techniques.
- Ensured operational efficiency by liaising with different teams.
- Brokered mutually beneficial terms for loans between clients and third parties.
- Oversaw the entire loan process from application to closing.
- Evaluated applicant credit history and finances to determine qualification for mortgage products.
- Led a team of experts to streamline mortgage processes.
Sales Officer - HL & LAP
Equitas Small Finance Bank Ltd
Chennai
12.2022 - 12.2023
- Set up debt payment plans based on client credit, income and assets
- Located and suggested loan packages that met client needs and priorities
- Developed loan contracts and explained contract terms to clients
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment
- Met with applicants to obtain information for loan applications and answer questions about processes
- Prepared reports for customers with delinquent and irreconcilable accounts
Senior Executive - HL
Bank Of Baroda (BGSS)
Chennai
05.2022 - 12.2022
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies
- Identified valuable solutions for customers with credit problems
- Stayed abreast of lending regulations, industry trends and market rates
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits
Business Executive - HL & LAP
L&T Financial Services
Chennai
09.2021 - 04.2022
- Liaised between bank and customer to collect documents, conduct property inspection or field visits and provide status update on mortgage loan application
- Developed workable business development ideas to capture loans through internal and external sales distribution channels
- Planned, coordinated and implemented marketing strategies to promote and develop new customer base for mortgage products
- Maintained close business relationships with solicitors, housing developers and financial institutions to optimize workflow
Senior Executive - HL & LAP
Icici Bank Ltd (I-Process Services)
Chennai
12.2020 - 09.2021
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility
- Verified client financial information to determine creditworthiness and loan eligibility
- Informed customers of loan application requirements and deadlines
- Identified valuable solutions for customers with credit problems
Relationship Executive - LAP
Axis Bank Ltd (Quess Corp)
Chennai
02.2019 - 12.2020
- Grew business with existing clients through upselling and recommending new services
- Analyzed sales data to identify new business development opportunities
- Built trusted relationships with key client stakeholders to drive sales and revenue
- Served as primary client liaison during goal setting, solution development and delivery
Education
Bachelor Of Commerce - Bank Managment
Vivekananda College (Madras University)
Chennai, Tamilnadu06.2018
Senior Secondary School Certificate (SSCE) -
Dr,G.S.K Higher Sec School
Mayiladuthurai, Tamilnadu03.2015
First School Leaving Certificate (FSLC) -
Dr,G.S.K Matric & Higher Sec School
Mayiladuthurai, Tamilnadu03.2013
Skills
- Communication
- Problem Solving
- Typing
- Team management
- Risk management
- Employee training
- Client relationship management
- Sales strategy development
- Credit evaluation
- Recruitment and hiring
- Team collaboration
References
Available on Request
Hobbies and Interests
- Cricket
- Listening Music
- Playing Mobile Games
Personal Information
- Date of Birth: 03/03/97
- Gender: Male
- Nationality: India
- Marital Status: Married
Accomplishments
In 2024 JFM Contest I achieved contest target Got PAN India 2 Place
Timeline
Team Manager
PNB Housing Finance Limited (PHFL)
01.2024 - Current
Sales Officer - HL & LAP
Equitas Small Finance Bank Ltd
12.2022 - 12.2023
Senior Executive - HL
Bank Of Baroda (BGSS)
05.2022 - 12.2022
Business Executive - HL & LAP
L&T Financial Services
09.2021 - 04.2022
Senior Executive - HL & LAP
Icici Bank Ltd (I-Process Services)
12.2020 - 09.2021
Relationship Executive - LAP
Axis Bank Ltd (Quess Corp)
02.2019 - 12.2020
Bachelor Of Commerce - Bank Managment
Vivekananda College (Madras University)
Senior Secondary School Certificate (SSCE) -
Dr,G.S.K Higher Sec School
First School Leaving Certificate (FSLC) -
Dr,G.S.K Matric & Higher Sec School
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