G Chidambaram
14 + Years PE | Banking Domain Specialist | Finacle Functional Expertise
Trivandrum
Summary
Results-driven Banking Professional with 12+ years of experience in branch leadership and core banking operations, including over a decade in retail branch environments. Proficient in Finacle with demonstrated expertise in business mobilization, regulatory compliance, asset quality management, and operational governance. Proven track record of driving portfolio growth, strengthening risk controls, and optimizing process efficiency. Transitioning into Core Banking Functional Consulting to integrate banking expertise with technology-led transformation programs.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Senior Manager (Branch Head)
HDFC Bank Ltd
Trivandrum
10.2024 - Current
- Drove business transformation by scaling a ₹21 Cr portfolio to ₹38 Cr (~81% growth) within 8 months, while turning around a ₹72 L loss-making branch into sustained profitability.
- Spearheaded strategic planning and annual budgeting aligned to forecasted sales volumes and organizational objectives.
- Strengthened market presence and brand visibility in the catchment area through focused business development initiatives.
- Ensured strict regulatory compliance and upheld high ethical governance standards across branch operations.
- Enhanced operational performance by implementing process improvements and disciplined cost optimization strategies.
- Led and mentored a team of 6+ employees, driving performance management, customer service excellence, and productivity enhancement.
- Conducted regular performance appraisals for direct reports to provide feedback on their work performance.
- Developed long-term relationships with key stakeholders including customers, suppliers, regulatory bodies.
- Undertook zonal deputation across 15 branches during the initial seven months, managing diverse portfolios ranging from ₹10 Cr to ₹250 Cr in a Branch Manager capacity and gained comprehensive exposure to multi-scale branch operations.
Chief Manager (Branch Head)
IDFC First Bank Ltd
Trivandrum
04.2024 - 10.2024
- Led a newly launched branch as Branch Manager and drove rapid business acquisition, building a ₹8 Crore portfolio within five months.
- Spearheaded new initiatives for enhancing productivity, efficiency, and quality control measures within the organization.
- Ensured adherence to ethical standards and compliance with regulations at all times.
- Established strong bank presence and brand identity within the catchment area.
- Identified market conditions to uncover sales opportunities for growth.
- Implemented process improvements to increase operational efficiency and reduce costs.
- Cultivated relationships with external stakeholders to create mutually beneficial partnerships.
- Elevated manpower planning, recruitment, and employee training strategies to improve talent retention.
Manager (Branch Head)
Tamilnad Mercantile Bank Ltd
Trivandrum
07.2021 - 02.2024
- Assumed leadership of an eight-year-old branch with an ₹11 Cr portfolio and accelerated growth to ₹24 Cr within 10 months of taking charge as Branch Manager, delivering 118% portfolio expansion in the first financial year.
- Ensured compliance with regulations and internal policies across operations.
- Developed strategies to increase sales and improve customer satisfaction levels.
- Led branch profitability through disciplined revenue management, robust NPA control, and structured recovery strategies to safeguard asset quality.
- Conducted quarterly branch audits as Internal Inspector, identifying performance gaps and ensuring adherence to financial and compliance standards.
- Performed thorough investigations into customer creditworthiness, assessing risk factors rigorously.
- Developed analyses for new credit requests, renewals, and annual reviews to recommend risk adjustments.
- Delivered NIL NPA performance for the branch during the financial year and was rewarded for reinforcing strong asset quality and risk governance standards.
Assistant Manager (Officer)
Tamilnad Mercantile Bank Ltd
Trivandrum
12.2013 - 06.2021
- Achieved accelerated promotion to Manager within 6 months based on strong performance in a ₹500 Cr branch, and was entrusted with independent branch management responsibilities.
- Demonstrated consistent high performance in a ₹350+ Cr high-volume branch, receiving multiple awards (2019–2021) for excellence in business growth, profitability enhancement, and operational efficiency.
- Supported branch management in strategic planning and operational efficiency projects.
- Assisted in managing daily bank operations and customer service activities.
- Facilitated communication between departments to ensure smooth workflow operations.
- Provided guidance and support to junior staff members on daily tasks, projects, and objectives.
- Reviewed financial statements for credit analysis, facilitating informed approvals and thorough documentation.
- Managed customer service inquiries and complaints in a timely manner.
- Supported branch profitability by monitoring revenue targets, NPA control, and recovery follow-ups.
Management Trainee
Kerala State Industrial Development Corporation
Trivandrum
06.2013 - 11.2013
- Streamlined single window clearance processes, enhancing efficiency for state government projects.
- Coordinated project correspondence by preparing and reviewing proposals and meeting minutes to ensure clarity and alignment.
- Facilitated coordination between investors and the State Government to support project execution and regulatory approvals.
- Coordinated with vendors on delivery timelines, pricing, discounts, and promotional activities.
Probationary Officer
Muthoot Finance Ltd
Madurai, Tamilnadu
04.2012 - 05.2013
- Managing gold loan operations, customer acquisition, and branch-level financial transactions in compliance with company policies and regulatory guidelines.
- Handled loan appraisal, documentation verification, and risk assessment to ensure asset quality and portfolio growth.
- Drove business development through deposit mobilization, cross-selling financial products, and strengthening customer relationships.
- Ensured adherence to operational controls, audit standards, and internal compliance frameworks.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Completed audits and checklists to ensure regulatory compliance.
HR Associate
Aparajitha Corporate Services Ltd
Madurai, Tamilnadu
11.2011 - 02.2012
- Ensured end-to-end statutory compliance covering Provident Fund contributions, minimum wage adherence, and bonus regulations in alignment with applicable labour laws and regulatory standards.
- Collaborated cross-functionally to design and implement process improvement strategies, enhancing overall client satisfaction and operational efficiency.
- Audited and validated employee expense claims by verifying supporting documentation and ensuring timely processing within defined payment cycles.
- Reviewed and consolidated exit interview documentation, analyzing feedback to generate actionable insights aimed at improving employee retention and engagement.
Education
Master of Business Administration - Marketing & HR
Hindusthan Institute of Technology
Coimbatore05.2011
Bachelor of Science - Biotechnology
Thiagarajar College
Madurai07.2009
Skills
- Finacle core banking expertise
- Flexcube & BaNCS
- Strategic planning
- Team leadership
- Decision Making
- Product Marketing
- Business Development
- Compliance monitoring
- Stakeholder engagement
- CRM
- KYC & AML
- Risk Management
- Credit risk analysis
- Analytical thinking
- Critical thinking
- Problem solving
- Negotiation and conflict resolution
- High Speed Typing (75 WPM)
Certification
• JAIIB, Indian Institute of Banking & Finance, Bengaluru, 12/01/22
• Certification in AML& & KYC, Indian Institute of Banking & Finance, Bengaluru, 09/01/23
• Certification in Business Analysis, Authorized by IBM & Offered through Coursera, 02/01/26
• Certification in KYC & AML, Manipal Global Education Services, Bengaluru, 03/01/20
• Certification in Advanced Computer Technology, JM Infotech, Promoted by Govt of India, 07/01/09
• Diploma in Computer Education, TMC Computer Education, Madurai Regd.By Delhi Govt, 11/01/06
• Certification in Type Writing (English), Govt of TamilNadu, 08/01/07
• Certification in AML& & KYC, Indian Institute of Banking & Finance, Bengaluru, 09/01/23
• Certification in Business Analysis, Authorized by IBM & Offered through Coursera, 02/01/26
• Certification in KYC & AML, Manipal Global Education Services, Bengaluru, 03/01/20
• Certification in Advanced Computer Technology, JM Infotech, Promoted by Govt of India, 07/01/09
• Diploma in Computer Education, TMC Computer Education, Madurai Regd.By Delhi Govt, 11/01/06
• Certification in Type Writing (English), Govt of TamilNadu, 08/01/07
Accomplishments
• Life Insurance & Non Life Insurance Target Achiever (2025-26)
• Asset Target Achiever (2025-26)
• Third Party Products Plan & Income Achiever (2025-26)
• Business Target Achiever of the Year (2022 - 2023)
• Outstanding Achiever in CASA Challenge (2022 - 2023)
• NIL NPA achieved Branch for the FY (2022 - 2023)
• Star Performer of the Year in all Parameter (2021 - 2022)
• Star Performer of the Year in all Parameters (2020 - 2021)
• Outstanding Achiever in Deposit Mobilization (2020 - 2021)
• CASA Champion (2019 - 2020)
• Outstanding Performer in CASA (2019 - 2020)
• Asset Target Achiever (2025-26)
• Third Party Products Plan & Income Achiever (2025-26)
• Business Target Achiever of the Year (2022 - 2023)
• Outstanding Achiever in CASA Challenge (2022 - 2023)
• NIL NPA achieved Branch for the FY (2022 - 2023)
• Star Performer of the Year in all Parameter (2021 - 2022)
• Star Performer of the Year in all Parameters (2020 - 2021)
• Outstanding Achiever in Deposit Mobilization (2020 - 2021)
• CASA Champion (2019 - 2020)
• Outstanding Performer in CASA (2019 - 2020)
Languages
- English, Full Professional Proficiency
- Tamil, Native Proficiency
- Malayalam, Native Proficiency
- Telugu, Professional Working Proficiency
- Hindi, Elementary Proficiency
Timeline
Senior Manager (Branch Head)
HDFC Bank Ltd
10.2024 - Current
Chief Manager (Branch Head)
IDFC First Bank Ltd
04.2024 - 10.2024
Manager (Branch Head)
Tamilnad Mercantile Bank Ltd
07.2021 - 02.2024
Assistant Manager (Officer)
Tamilnad Mercantile Bank Ltd
12.2013 - 06.2021
Management Trainee
Kerala State Industrial Development Corporation
06.2013 - 11.2013
Probationary Officer
Muthoot Finance Ltd
04.2012 - 05.2013
HR Associate
Aparajitha Corporate Services Ltd
11.2011 - 02.2012
Master of Business Administration - Marketing & HR
Hindusthan Institute of Technology
Bachelor of Science - Biotechnology
Thiagarajar College