Hi, I’m
Azarudeen R
Manager & Branch Head
Neyveli,TN
Summary
Experienced Manager and Branch Head with a proven track record of spearheading credit operations and achieving significant growth. Demonstrated expertise in credit analysis, risk management, loan structuring, and financial statement review. Successfully doubled SME and retail credit targets, contributing to branch profitability while ensuring 100% compliance in credit audits for three consecutive years. Adept at managing diverse credit portfolios, improving decision-making processes, and enhancing customer satisfaction through swift turnaround times. Expertise in handling new branches, creating strong visibility and market share, and achieving break-even within four months from the date of branch opening. Strong leadership skills with a focus on team development and regulatory compliance. Career goal is to continue driving operational excellence and profitability within the banking sector.
Overview
10
years of professional experience
8
years of post-secondary education
6
Certifications
Work History
The Federal Bank Limited
Manager and Branch Head
2022.04 - Current (4 education.years_Label & 4 education.months_Label)
Job overview
- Spearheaded credit operations, achieving advance growth of ₹50 crore in just 1.5 years
- Spearheaded the establishment of a new branch, reaching financial stability in under four months.
- Ensured swift turnaround time (TAT) for decision-making on credit files, enhancing customer satisfaction
- Conducted detailed financial analyses to evaluate creditworthiness and mitigate potential risks
- Improved credit decision-making processes by aligning with regulatory requirements and organizational goals
- Performed high-quality assessments of credit proposals to ensure sound sanctions and portfolio health
- Managed a diverse credit portfolio, including loans for SMEs and retail customers, ensuring high-quality assets
- Collaborated with cross-functional teams to streamline credit approval processes and optimize client onboarding
- Trained and mentored staff to improve credit operations efficiency and compliance
- Applied customer feedback to refine lending policies and enhance customer satisfaction
- Doubled SME and retail credit targets, contributing to branch profitability
- Introduced process improvements, reducing loan turnaround time by 20%
- Achieved 100% compliance in credit audits for three consecutive years
The Federal Bank Limited
Manager and Branch Head
2021.05 - 2022.08 (1 education.year_Label & 3 education.months_Label)
Job overview
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maximized performance by monitoring daily activities and mentoring team members.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Improved marketing to attract new customers and promote business.
- Increased the branch business by 1.5 times in just 15 months, driving growth to ₹100 crore and earning the branch a place in the prestigious "100 Crore Club."
- Sourced and disbursed high-value proposals, setting a record in the branch's history.
- Achieved accolades for best business growth in a short span, driven by high Fee Income and exceptional performance in Life and Health Insurance.
- Reduced NPA levels significantly and ensured robust portfolio health.
- Cleared all pending inspection comments and transitioned the branch into a low-risk category.
The Federal Bank Limited
Manager
2020.10 - 2021.05 (7 education.months_Label)
Job overview
- Promoted to Manager and specialized in credit sourcing, processing, and preparing credit proposals for sanctioning.
- Expertly managed the setup and operation of a new branch, enhancing the bank's visibility in the locality and expanding market share.
- Functioned as Branch Compliance Officer, ensuring strict adherence to internal and regulatory guidelines.
- Successfully prepared the branch for Risk-Based Internal Audit (RBIA) with no significant observations.
- Focused on business growth through strategic customer acquisition and marketing initiatives.
- Played a key role in digital transformation under the Digital Beacons program, improving branch efficiency and customer engagement.
The Federal Bank Limited
Assistant Manager
2016.05 - 2020.10 (4 education.years_Label & 5 education.months_Label)
Job overview
- Handled business development, credit analysis, and assessment, preparing and presenting credit notes to the sanctioning authority for approvals.
- Functioned as Branch Compliance Officer, ensuring adherence to regulatory and internal guidelines.
- Contributed to a fivefold increase in branch business growth over four years.
- Sourced and disbursed high-value loans exceeding ₹5 crore, enhancing portfolio quality and profitability.
- Managed FOREX operations, including export bill collections, buyer's credit, inward remittances, and PLC (Packing Credit) limits, both pre- and post-shipment.
- Led digital transformation initiatives under the Digital Beacons program, improving customer engagement.
- Ensured branch readiness for risk-based audits and successfully mitigated potential risks.
The Federal Bank Limited
Probationary Officer
2015.04 - 2016.05 (1 education.year_Label & 1 education.month_Label)
Job overview
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Enhanced customer experience by resolving any issues promptly and ensuring complete satisfaction throughout the entire sales process.
- Boosted sales revenue by identifying potential clients and presenting tailored solutions to their needs.
- Managed CASA (Current Account Savings Account) growth, marketing activities, and customer service.
- Acted as Credit Monitoring Officer, ensuring credit health and portfolio management.
- Oversaw digital banking initiatives as part of the Digital Beacons program.
- Assisted in loan underwriting and basic credit operations.
- Successfully implemented customer acquisition strategies and improved retention rates.
Education
Manipal UniversityBangalore
Post Graduation Diploma from Banking And Financial
2014.04 - 2015.05 (1 education.year_Label & 1 education.month_Label)
Indian School of BusinessThane, Maharastra
MBA from Textile & International Business
2011.04 - 2013.05 (2 education.years_Label & 1 education.month_Label)
Jaya Engineering CollegeAvadi, Chennai
Bachelor of Technology from Textile Engineering
2009.09 - 2013.05 (3 education.years_Label & 8 education.months_Label)
Jawahar Higher Secondary SchoolNeyveli, TN
12th from Science Education
2013.03 - 2013.05 (2 education.months_Label)
Jawahar Higher Secondary SchoolNeyveli, TN
10th from Computer Science
2007.06 - 2008.05 (11 education.months_Label)
Skills
Credit Analysis & Assessment
Risk Management & Mitigation
Loan Structuring & Approval
Financial Statement Review
Compliance with RegulatoryStandards
Customer Relationship ManagementBudgeting & Cost Control
Team Leadership & StaffDevelopment
Loan underwriting techniques
Certification
Certification in Climate Risk & Sustainable Finance
Timeline
Certification in Climate Risk & Sustainable Finance
2024-12
Certification in Know Your Customer and Anti Money Laundering
2024-12
Manager and Branch Head
The Federal Bank Limited
2022.04 - Current (4 education.years_Label & 4 education.months_Label)
CCP - Certified Credit Professional
2021-12
IRDAI Certification
2021-10
Manager and Branch Head
The Federal Bank Limited
2021.05 - 2022.08 (1 education.year_Label & 3 education.months_Label)
Manager
The Federal Bank Limited
2020.10 - 2021.05 (7 education.months_Label)
JAIIB Certification
2018-06
BCBSI Certification
2017-07
Assistant Manager
The Federal Bank Limited
2016.05 - 2020.10 (4 education.years_Label & 5 education.months_Label)
Probationary Officer
The Federal Bank Limited
2015.04 - 2016.05 (1 education.year_Label & 1 education.month_Label)
Manipal University
Post Graduation Diploma from Banking And Financial
2014.04 - 2015.05 (1 education.year_Label & 1 education.month_Label)
Jawahar Higher Secondary School
12th from Science Education
2013.03 - 2013.05 (2 education.months_Label)
Indian School of Business
MBA from Textile & International Business
2011.04 - 2013.05 (2 education.years_Label & 1 education.month_Label)
Jaya Engineering College
Bachelor of Technology from Textile Engineering
2009.09 - 2013.05 (3 education.years_Label & 8 education.months_Label)
Jawahar Higher Secondary School
10th from Computer Science
2007.06 - 2008.05 (11 education.months_Label)