HARIKUMAR K R

Results-driven professional with a strong background in banking and the financial industry. Deep understanding and passion for sales of financial products and banking operations. Consistent academic achievements and extensive experience in both banking and non-banking sectors. Committed to achieving excellence in project implementation through acquired expertise, hands-on experience, and a proactive mindset. Striving for perfection in all tasks to deliver value to the organization and promote personal development.

• Excellent planning and organizational abilities .
• Skills in identifying areas of improvement and ensuring maximum capacity utilization
• Dedicated , self driven ,self driven focused and result oriented , always one step ahead of challenge
• Enthusiastic confident , willing to do the challenging jobs , energetic with an ability to learn
• Proficient in grasping new trends & technological know - how learned to value commitment and goal setting , time bound & result oriented mission & initiatives

• Relationship Manager
• Retail branch banking
• Sales manager
• Team management
• Planning & execution
• Branch profitability
• Branch Manager
• Manpower planning
• Credit policy & process
• Business Banking
• Customer satisfaction
• General administration

· Deliver growth on key metrics like asset, NII and Fee Income.

· Striving to be the customer's sole/primary banker by cross selling products and solutions across retail and wholesale banking.

· Ensuring quality new to Bank business is sourced while retaining the current portfolio.

· Managing different lead generation channels like branches, products teams, sales channel, etc.

· Monitoring & maintaining the portfolio health and minimizing DPDs by ensuring frequent customer interaction

· Working closely with the Credit & Collections teams to monitor early warning signals and devising an exit plan for stressed accounts

· Ensuring compliance to both the Regulator's and the Bank's internal guidelines.

· Understand client's business & provide appropriate working capital solutions across Fund/ non-Fund based products like Cash Credit, Demand Loan, over draft, LC, BG etc.

· Focus to continually increase the Book size and profitability of the assigned portfolio.

• Consecutive performer in the circle for the revenue contributor in the circle 2024
• Best SEG RM in the circle for the disbursement of asset and productivity 2023
• Best Branch in Region for sales, Audit & Compliance parameter in FY 17-18.
• Best manager in CD / PL disbursement at consecutively 3 quarters.
• Consecutively achieved the Branch Asset Target in last three Quarters in FY16-17.
• Recognized by top management and awarded the team leader for the best branch in Kerala region at 2005 in SIL.
• Appreciation from Senior heads in Pan India best branch having the PL disbursement with low ticket funding & High ticket case consecutively 6 months in Bajaj Finserv Lending.
• Best sales Manager in Kerala zone segment in PL / CD / Salaried loans.
• Best DBM in region for doing TPP & CROSS SELL products.

• Passport Number: F7486297
• Father's Name: K Raman Nambeesan
• Date of Birth: 03/13/1984
• Marital Status: Married