MMA
Austin Kolengadan
Banker
Bengaluru
Summary
Professional with strong leadership skills and proven track record in management. Expertise in strategic planning, financial analysis, and risk management. Effective team collaborator with focus on achieving results and adapting to changing needs. Known for reliability, integrity, and exceptional problem-solving abilities.
Overview
7
7
years of professional experience
Work History
Assistant Vice President - Cluster Head
HDFC Bank Ltd
07.2024 - Current
- Oversee operations and strategic growth for a Cluster.
- Managed and strategically grew a value portfolio of Rs. 15,000 Cr.
- Establish and refine policies and processes to improve efficiency and service quality.
- Manage the regional credit card portfolio, achieving record growth (35% on opportunity) as the product champion.
- Recruit, mentor, and align branch teams (150+ staff) with business objectives, enhancing performance and satisfaction.
- Managed complex branch relocation projects (4 branches) as per regulatory mandate, without disrupting operations or service.
- Established a high-performance culture within the team by setting clear expectations and providing regular feedback on individual performance contributions.
- Optimized resource allocation by analyzing operational needs, reallocating resources as needed to maximize efficiency across all functions.
- Enhanced communication between departments by developing effective reporting structures and information-sharing platforms.
- Managed risk effectively by implementing robust compliance procedures and conducting regular audits of internal controls.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Collaborated closely with executive leadership to align department goals with overall company objectives, resulting in stronger organizational cohesion.
Branch Manager (Senior Manager)
HDFC Bank Ltd
07.2023 - 07.2024
- Managed end-to-end branch lending operations, ensuring timely disbursement, and achievement of disbursement targets (Rs. 5,250 Cr portfolio).
- Designed and implemented a program (“Cross-Sell Champions League”) to boost cross-selling, rewarded teams for exceeding targets, and accelerated branch revenue growth.
- Achieved the highest branch disbursement figure of 180 Cr.
- Recruited and developed top talent across sales and operations teams, aligning skill sets with strategic goals.
- Represented the Bank's stance before the Internal Ombudsmen and regulatory authorities, successfully resolving escalated and RBI-related complaints.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
Deputy Manager
HDFC Ltd
06.2022 - 06.2023
- Supported underwriting and risk assessment processes.
- Resolved customer and partner inquiries related to loan processing and eligibility, enhancing client satisfaction and trust.
- Trained branch staff on best practices in underwriting and compliance, elevating service quality, and process consistency.
- Managed MIS, reports, and stationary management for the branch.
- Identified areas for improvement within the department, implementing strategic initiatives to address gaps in performance or resources.
Branch In-Charge
HDFC Ltd
04.2019 - 06.2022
- Managed full branch lending operations, processing of loans, while ensuring efficient disbursement and recovery.
- Cultivated a network of 50+ real estate and financial partners to expand the customer pipeline, consistently exceeding sales targets by 15–25%.
- Optimized underwriting workflows by verifying client credit histories and financials, maintaining a high-quality portfolio (NPA rates below 0.6%).
- Advised customers on prepayment and refinancing options, improving satisfaction, and loan portfolio health.
- Performed field investigations and coordinated with the technical team for site visits.
- Championed regional loan sanctioning processes (‘Sanction & Undisbursed' champion for 28 branches), streamlining approvals, and funding timelines.
- Analyzed potential loan markets to identify growth opportunities, and led business development initiatives through targeted melas and promotional fairs.
Education
MBA - Finance & Marketing
St. Joseph's Institute of Management
Bangalore 04.2001 -
B.COM - Marketing
Christ University
Bangalore01-2017
Skills
Microsoft Excel
Microsoft Power BI
CRM
Sales Force
Strategic Planning
Market & Portfolio Analysis
Sales & Revenue Growth
Client Relationship Management
Leadership
Human resources management
Policy & process implementation
Business development
Interests
Badminton
Drawn to unconventional sounds
Travelling
Timeline
Assistant Vice President - Cluster Head
HDFC Bank Ltd
07.2024 - Current
Branch Manager (Senior Manager)
HDFC Bank Ltd
07.2023 - 07.2024
Deputy Manager
HDFC Ltd
06.2022 - 06.2023
Branch In-Charge
HDFC Ltd
04.2019 - 06.2022
MBA - Finance & Marketing
St. Joseph's Institute of Management
04.2001 -
B.COM - Marketing
Christ University