ASHOK KUMAR
Relationship manager
CHENNAI,TAMIL NADU
Summary
Results-driven Banking & Financial Sales Professional with 3.5 years of experience in selling and promoting retail and corporate loan products. Proven expertise in Personal Loans, Home Loans, Business Loans, LAP, and Credit Cards, with a strong track record of achieving sales targets and building long-term customer relationships. Skilled in lead generation, customer acquisition, loan documentation, and coordination with credit and operations teams to ensure timely loan approvals and disbursements. Adept at understanding customer financial needs and delivering tailored banking solutions while maintaining compliance with banking policies and RBI guidelines.
Overview
4
4
years of professional experience
3
3
years of post-secondary education
2
2
Languages
Work History
Relationship Manager
Equitas Small Finance Bank
Chennai , Tamil Nadu
09.2023 - Current
- Handling the mortgage loan,home loan, Business loan and Affordable Home Loan.
- Promoted and sold banking products including Personal Loans, Home Loans, Business Loans, LAP, Credit Cards, and Insurance
- Identified prospective customers through cold calling, field visits, and referrals
- Explained loan eligibility, interest rates, documentation, and repayment terms clearly to customers
- Achieved and exceeded monthly and quarterly sales targets consistently
- Coordinated with credit, operations, and documentation teams for smooth loan processing
- Assisted customers in completing KYC and loan documentation accurately
- Followed up on loan applications to ensure timely approvals and disbursements
- Built and maintained long-term relationships with customers and channel partners
- Ensured compliance with bank policies and RBI guidelines
- Maintained MIS reports, lead tracking, and daily sales performance records
Accountant
ACCOUNTANT
CHENNAI, Tamil Nadu
01.2023 - 07.2023
- Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating, and cash, and banking reconciliations.
- Leveraged finance knowledge to strengthen controls and improve transparency.
- Prepared working papers, reports and supporting documentation for audit findings.
- Tracked funds, prepared deposits and reconciled accounts.
- Handled day-to-day accounting processes to drive financial accuracy.
Relationship Manager
MANIPAL CIGNA HEALTH INSURANCE
CHENNAI
06.2022 - 12.2022
- Worked flexible hours across night, weekend and holiday shifts.
- Identified issues, analyzed information and provided solutions to problems.
- Proved successful working within tight deadlines and a fast-paced environment.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
Education
Bachelor of Commerce - Accounting And Finance
SRIDEVI ARTS AND SCIENCE COLLEGE
PONNERI 08.2019 - 03.2022
Skills
Banking & Financial Sales
Timeline
Relationship Manager
Equitas Small Finance Bank
09.2023 - Current
Accountant
ACCOUNTANT
01.2023 - 07.2023
Relationship Manager
MANIPAL CIGNA HEALTH INSURANCE
06.2022 - 12.2022
Bachelor of Commerce - Accounting And Finance
SRIDEVI ARTS AND SCIENCE COLLEGE
08.2019 - 03.2022