Bharath Kumar K
Bengaluru
Summary
A competent professional with 10+ years of rich experience in Gold Loans, Business Development, Managing Portfolio, Operations & Documentation in the banking Sector.
Overview
9
9
years of professional experience
Work History
Manager / Gold Loans -
AXIS BANK LTD
Bangalore
09.2022 - Current
- Branch leads follow up and conversion & Achieving assigned monthly and yearly productivity
- Ensure monthly sales targets are meet acquisitions in NTB & ETB customers
- Assisting customer with new account set up and ensure maintaining proper service
- Prepare monthly working plan for branch sales teams, review weekly, monthly plan for Branch
- Timely intervention ensuring sales quality and sales target and repeat business
- Follow up with branches on compliance of internal audit matters, monitor and minimize customer complaints
- Coordinate with other departments branch ops and Vendors
- Manage Incremental Portfolio for Gold Loan
- Handling recovery and making the NPA drive
- Coordinate with credit team to get query resolution and loan sanction
- Cross selling and providing service for banking products
- Responsible for Sale Executive Productivity individual will provide necessary update and feedback to Gold loan relationship officer to achieve the desired business objective
- Work closely with the branch Staff/ DST to drive gold loan customers for fulfillment profitability and employee development
Deputy Manager / Gold Loans -
KOTAK MAHINDRA BANK Ltd
Bangalore
11.2018 - 09.2022
- Managing day to day Gold Loan Operations Activity at the branch
- Responsible for achieving targets of Gold Loan Business for a set of Branches
- Responsible for achieving targets of Spoke branches and maintain relationship with all the branch staffs to generate business
- Daily follow up with Spoke-Branch`s & customer for Lead
- Responsible for generating high value Gold Loan disbursement from RM Portfolio customers
- Conducting various promotional and marketing activities
- Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance form Branch Team members
- Responsible for generating high value Gold Loan disbursement from HNI/RM & Managed Portfolio customers
- Coordinating with local credit team and for taking credit appraisals and/ or credit deviations
- Responsible for Audit, File Authorization, NPA Resolution and collections, and Maintaining Gold Registers of all
- Establishing standards and delivery of customer service
- Handling a team of 4 Executives to acquire Gold Loan Customers & monitor them to achieve their No
- Target & Value target
Acquisition Manager / Gold Loans -
INDUSIND BANK LTD
Bangalore
08.2015 - 11.2018
- Managing day to day gold loan operations activity at the branch
- Cross selling the products over the counter additionally CASA, RD, FD etc
- Rich experience in using Finacle including making rights and other basic operations
- Daily follow up with Hub branch & customer for leads
- Conducting valuation of Jewelry by valuer
- Sample checking of Jewelry with Kasathi
- Generate revenue and ensure overall business growth
- Manage, coordinate, and maintain quality of the business tracking & controlling the team
- Achieving objectives for sales, and working towards delivering management targets.
- Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance form Branch Team members
- Doing kiosk Activity, Maintain good relationship with the customers
Education
B.A. -
Bangalore Open University
01.2012
Skills
- Team leadership
- Vendor engagement
- Problem-solving
- Team building
- Team collaboration
- Teamwork
- Market research
- Excellent communication
- Distribution experience
- Reporting
- Customer acquisition
- Relationship building
- Risk management
- Staff training
- MS office
- Time management
Accomplishments
- Awarded for Top performer Cluster wise FY 2023 & 2024 at Axis Bank.
- IndusInd Bank Ltd gave me an opportunity to learn and deliver Gold Loan business.
- Awarded Gold Loans for 'Outstanding Performance', Overall Performance and ISOH - SOH' Growth in FY 19-20, FY 20-21 and FY 21-22 at Kotak Mahindra Bank Ltd with Certificate.
- Awarded for top performer the Gold Loan in Karnataka in the FY 19-20, FY 20-21 and FY 21-22 at Kotak Mahindra Bank.
Languages
- English
- Hindi
- Telugu
- Kannada
- Tamil
Personal Information
- Date of Birth: 03/01/87
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Timeline
Manager / Gold Loans -
AXIS BANK LTD
09.2022 - Current
Deputy Manager / Gold Loans -
KOTAK MAHINDRA BANK Ltd
11.2018 - 09.2022
Acquisition Manager / Gold Loans -
INDUSIND BANK LTD
08.2015 - 11.2018
B.A. -
Bangalore Open University
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