Charan Teja Kalvatala
Tirupati
Summary
Having 12+ years of experience in Banking and having Strong experience in Core Banking Application, Functional Support on all Retail Modules, Operations and Team Leading, Credit processing & Monitoring. Having experience in working at ORACLE Flex cube Retail 6.7 & 11.7 on Retail modules and Assets, Sales Force, LOS and SQL. Good Experience in marketing and coordinated in marketing activities to promote Products and services. Having experience in Handling all commercial loan applications, working capital loans, Retail loans in LOS. Experience in Client on boarding, Strong knowledge in AML, KYC, CDD,EDD &periodic reviews of customers with KYC/AML regulations.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Manager (Credit Monitoring Group&Head Liabilities)
Karur Vysya Bank
Tirupati
04.2021 - Current
- Managed the end-to-end loan lifecycle within the bank, ensuring seamless processing from initial application to final disbursement and ongoing monitoring.
- Leading and managing Branch Sales and Service Executives along with the sales force to drive business growth.
- Monitoring credit accounts, generating Early Warning System (EWS) alerts, and flagging risky operations at branch level for timely intervention.
- Analyzing and overseeing operations and business growth strategies to meet organizational objectives.
- Coordinating seamlessly with Branches and Corporate Office to align operational processes and business needs.
- Training and mentoring branch and sales teams to enhance efficiency and productivity.
- Reporting key operational metrics, business gaps, and administrative updates to top management.
- Serving as an end user of Oracle Flexcube, Loan Origination System (LOS), and Automated Operations System (AOS), facilitating smooth interaction between branches, data centers, DTPC, and centralized operation cells.
- Playing a pivotal role in the loan journey process by overseeing all stages-from application to sanction-ensuring accuracy, compliance, and timely processing.
- Instrumental in the bank's transition to digital loan processing: actively gathering user requirements, coordinating with IT teams for system enhancements, conducting rigorous testing, and validating that the digital loan workflow met operational needs and regulatory compliance.
- Collaborating with technical teams to optimize the use of LOS and Flexcube modules, ensuring they support business processes efficiently.
- Driving Third Party Product (TPP) target achievements and being responsible for overall revenue growth.
- Collaborated with senior management on strategic initiatives to drive branch growth.
- Worked as a co-ordinator for commercial loan process with DTPC and Branches.
- Worked as a co-ordinator for KYC screening for Customer onboarding for both Liabilities and Assets.
- Led branch operations to ensure compliance with banking regulations and policies.
Branch Manager
Karur Vysya Bank Ltd
Chennai
04.2019 - 03.2023
- Directed branch operations, focusing on business growth, customer service excellence, and operational efficiency.
- Managed customer transactions including cash deposits, NEFT/RTGS, Fixed Deposits (FD), and Recurring Deposits (RD).
- Handled customer queries related to working capital loans, renewals, and retail loan applications.
- Expanded business opportunities by effectively communicating product lines to customers.
- Sanctioned loans, submitting applications for underwriting, and reviewing high-value loan proposals for accuracy and creditworthiness.
- Maintained a comprehensive database of loan applicants, analyzing credit histories and financial statements.
- Originated, reviewed, processed, and administered customer loan proposals, ensuring compliance and prompt service.
- Proactively developed new loan prospects through cold calls and customer engagement.
- Stayed updated on industry trends and new financial products.
- Experienced in resolving issues related to ATMs, digital payments, fixed deposits, and bulk deposit handling.
Assistant Manager
Karur Vysya Bank Ltd
Chennai
06.2013 - 03.2019
- Managed clearing and cash-related operations with strict adherence to compliance and accuracy.
- Coordinated with customers and reporting authorities for CASA.
- operations and loan follow-ups.
- Utilized digital banking modules including digital passbook issuance and locker management systems (Safe module).
- Oversaw day-to-day branch operations including cash handling, locker management, report generation, loan documentation, and general banking functions.
- Managed client inquiries, ensuring prompt resolution and maintaining satisfaction levels.
- Working on Migration and act as a Functional Consultant for smooth process during migration flexcube 6.7 to v11.7.
Education
M.B.A - Finance & HR
S V University
Tirupati 06.2009 - 04/2011
B.Sc -
S V University
TirupatiSkills
- Performance Management
- People Development
- Time Management
- Results Oriented
- Excellent attention to detail
- Loan processing
- Credit monitoring
- Oracle Flexcube
- KYC compliance
- Loan underwriting
- Customer relationship management
- Business growth strategies
- Operational efficiency
- Digital banking solutions
- Team leadership
- Training and mentoring
- Effective communication
- Strategic planning
Certification
- Certified by IIBF - Digital Banking
- Certified by IFBI - P.G. Diploma In Branch Banking
- Certified by IIBF in AML & KYC
- Certified by IIBF in Banking codes and standard board of India
- Training Certified by Manipal Global - Cyber Security
- Certified by IRDAI
- Certified Credit Monitoring Training by NIBSCOM, NOIDA
- Certified Acquisition with Due Diligence Training by SBI
Languages
- English
- Telugu
- Hindi
- Tamil
Personal Information
- Date of Birth: 12/06/89
- Marital Status: Married
Languages
Telugu
Proficient
C2
English
Advanced
C1
Hindi
Upper Intermediate
B2
Tamil
Upper Intermediate
B2
Timeline
Manager (Credit Monitoring Group&Head Liabilities)
Karur Vysya Bank
04.2021 - Current
Branch Manager
Karur Vysya Bank Ltd
04.2019 - 03.2023
Assistant Manager
Karur Vysya Bank Ltd
06.2013 - 03.2019
M.B.A - Finance & HR
S V University
06.2009 - 04/2011
B.Sc -
S V University