Hari Krishnan M

• Managed the overall functioning of the process, identify improvement areas and implement adequate measures to maximize the customer satisfaction level.
• Increased loan portfolio growth by identifying new business opportunities and building strong customer relationships.
• Identified opportunities to improve business process flows and productivity where by Increased branch growth through collaboration with sales and marketing departments.
• Conducted financial due diligence on potential investments and acquisitions.
• Conducted thorough audits of branch operations to identify areas for improvement and implement corrective actions accordingly.
• Identified and resolved unauthorized, unsafe, or ineffective practices.
• Overhauled branch sales strategies to exceed revenue targets consistently.

Key accomplishment:

• Successfully acquired and onboarded Rathinam Group of Institutions as a major client, contributing significantly to portfolio growth.
• Effectively managed and enhanced the portfolio of Karpagam Group of Institutions, achieving significant growth in client engagement, revenue generation, and long-term relationship stability.
• Successfully achieved 75 crores in new business acquisitions by onboarding SME and SBB clients, driving substantial portfolio growth and expanding market presence.

• Effectively managing corporate client portfolios and offered financial advice in respect to investments and savings.
• Direct all operational aspects including distribution operations, customer service, human resources, administration and sales.
• Experience in Micro Credit Advances.
• Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.

Key accomplishments:

• Designated primary relationship manager for the corporate client ISHA. Maintained their business and helped them with the latest products, improvements thereby increasing their net business portfolio by 110%.
• Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.

• Possess thorough knowledge and excellent experience in handling loan proposals.
• Developed forecasts, financial objectives and business plans.
• Submitted loan applications to underwriter for verification and recommendation.
• Handled Large Credit Advance accounts.

Key accomplishment:

• Achieved overall business target and honored by the Managing Director for the consecutive years 2018 and 2019.
• Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.

• Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
• Performed pre-audits to ensure ongoing adherence with compliance procedures.
• Handled SARFASI and DRT cases.
• Maintained monthly branch efficiency logs.

Key accomplishment:

• Assisted the Branch Manager in recovering majority of NPA accounts with thorough review and follow-ups.

• Created periodic reports comparing budgeted costs to actual costs.
• Executed customer transactions, including deposits, withdrawals, RTGS/NEFT and cheques.
• Filed tax returns and prepared governmental reports in compliance with strict standards.
• Closely monitored the performance of current portfolio of specialty loans and made changes to achieve performance targets.

Key accomplishment:

• Processed quarterly Vault and ATM audits with a zero-error rate.