Creating Leaders
ASHOK KUMAR KALIYAPERUMAL
Banking Operations Strategist
Trichy,TN
The supernatural is the natural not yet explained.
Elbert Hubbard
Work Preference
Work Type
Full TimeLocation Preference
On-SiteRemoteHybridImportant To Me
Work-life balanceFlexible work hoursTeam Building / Company RetreatsCareer advancementCompany CultureSummary
Dynamic and results-driven banking operations leader with 17 years of experience in credit risk governance, trade finance operations, and regulatory compliance across top financial institutions. Proven ability to optimize process efficiency, enhance audit readiness, and drive business growth within highly regulated environments. Expertise in aligning operations with CBUAE and FATF standards, ensuring robust AML/CFT frameworks, and leading diverse teams through transformative initiatives. Actively seeking opportunities in the UAE to contribute to a progressive bank as AVP, VP, or Head of Operations.
Overview
17
17
years of professional experience
10
10
Certifications
Work History
Senior Manager / Branch Head – Retail Banking
HDFC BANK LTD
01.2023 - 01.2025
- Directed strategic branch operations to achieve consistent month-on-month growth across asset and liability segments.
- Led business planning and income generation aligned with annual financial objectives and compliance mandates.
- Oversaw customer service excellence ensuring TAT adherence and internal audit preparedness.
- Mentored team members to drive performance, compliance awareness, and customer retention.
- Key Achievements:
- Surpassed branch performance goals by 25% through strategic acquisition and retention programs.
- Generated ₹1 Cr+ in non-funded income via Forex, LCs, and BGs while securing 300+ new accounts.
- Achieved ₹15 Cr asset book, reinforcing branch financial strength and profitability.
Branch Manager – Retail Banking & Operations
CITY UNION BANK LTD
08.2013 - 01.2023
- Oversaw daily banking operations ensuring compliance with RBI/FEMA regulations and internal controls.
- Drove client engagement initiatives and branch growth strategies aligned with profitability goals.
- Liaised with auditors and regulators to ensure operational transparency and governance.
- Key Achievements:
- Expanded branch portfolio to ₹25 Cr in two years through process re-engineering.
- Secured two consecutive CASA growth years, strengthening liability generation.
- Executed seamless audits with zero discrepancies and won the Golden Achievement Award.
Junior Executive Officer-II – Trade Finance & Operations
BANK OF CEYLON
12.2007 - 07.2013
- Managed trade-finance lifecycle including LC issuance, bill discounting, and export realization under RBI compliance.
- Handled reconciliation of Nostro and RBI accounts ensuring 100% precision and timely reporting.
- Processed NEFT, RTGS, and clearing transactions maintaining zero transaction errors.
- Key Achievements:
- Reconciled high-volume Nostro and RBI accounts daily with zero audit lapses.
- Processed and cleared 5,000+ instruments with complete accuracy.
- Facilitated 300+ export bills enhancing forex liquidity and client satisfaction.
Education
MBA - HR With Marketing
01.2006
Bharathidasan University
BBA - Business Administration
01.2004
Bharathidasan University
Skills
Risk mitigation strategies
Certification
Decoding KYC Requirements in the UAE (2025)
Accomplishments
- Exceeded branch growth targets by 25% at HDFC Bank, achieving ₹15 Cr in asset expansion and ₹1 Cr+ in non-funded income.
- Expanded business portfolio to ₹25 Cr within two years at City Union Bank through process optimization and customer engagement.
- Maintained 100% accuracy in Nostro and RBI account reconciliations at Bank of Ceylon, earning special audit commendation.
- Led cross-functional teams of 25+ professionals, enhancing performance and operational governance across diverse portfolios.
- Implemented digitized SOPs improving turnaround efficiency and compliance readiness.
TOOLS & DEVELOPMENT
- Systems: Finacle, FLEXCUBE, Loan Origination Systems (LOS), CERSAI Filing, AML Software, STR/SAR Systems, DMS, FEMA Tools, MS Office Suite, Pivot Tables.
- Workshops: Foreign Exchange Dealers Association of India (RBI & FEDAI); International Logistics (MSME, Govt of India).
RELOCATION & AVAILABILITY
Actively pursuing relocation to the UAE, Singapore, Malaysia and luxemburg| Immediate availability for interviews (virtual) | Ready for visa sponsorship
Timeline
Senior Manager / Branch Head – Retail Banking - HDFC BANK LTD
01.2023 - 01.2025
Branch Manager – Retail Banking & Operations - CITY UNION BANK LTD
08.2013 - 01.2023
Junior Executive Officer-II – Trade Finance & Operations - BANK OF CEYLON
12.2007 - 07.2013
Ponnaiyah Ramajam Arts & Science College - BBA, Business Administration
Adaikalamatha Institute of Management - MBA, HR With Marketing
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Interests
Languages
English
Advanced (C1)
Software
Core Banking Solutions
Bancs
Compass
SERSAI