Iniyan S
VIrudhunagar
Summary
Dynamic and results-driven banking professional with 5+ years of progressive experience in branch management, credit underwriting, cash and currency chest operations, and regulatory compliance. Proven expertise in end-to-end loan processing, customer relationship management, cash flow monitoring, and risk mitigation aligned with RBI and internal banking guidelines. Skilled in implementing government schemes, driving business development, and ensuring operational excellence in high-pressure environments. Adept at leading teams, maintaining customer satisfaction, and achieving business targets with a focus on compliance and efficiency.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Branch Manager
State Bank Of India
Raichur
07.2023 - 01.2024
- Oversaw branch budget monitoring to ensure financial accuracy and effective cost management.
- Managed end-to-end loan processing including Personal Loans, Education Loans, Gold Loans, and Agriculture Loans, ensuring compliance with credit policies and regulatory norms.
- Handled customer acquisition and retention, ensuring strict adherence to KYC (Know Your Customer) and AML (Anti-Money Laundering) guidelines to mitigate risk and maintain regulatory compliance.
- Led the implementation of government schemes and policies, facilitating financial inclusion and supporting rural and priority sector advancements.
Currency Chest Cash Officer
State Bank Of India
Kolar Gold Fields
05.2022 - 07.2023
- Supervised end-to-end cash management operations, including collection and distribution to multiple branches and ATMs, maintaining accuracy, security, and adherence to RBI guidelines.
- Led efforts in counterfeit currency detection and escalation, contributing to regulatory compliance and minimizing branch risk exposure.
- Oversaw onsite ATM management, ensuring timely cash replenishment, accurate reconciliation, and proactive measures to reduce downtime and enhance operational efficiency.
Credit Support Officer
State Bank Of India
Kolar Gold Fields
04.2021 - 05.2022
- Carried out field inspections and on-site verifications to evaluate borrower eligibility, assess collateral, and validate credit needs.
- Analyzed borrower creditworthiness through in-depth financial assessment, risk evaluation, and proper documentation checks.
- Processed and sanctioned loans in line with internal credit policies and regulatory compliance, ensuring timely disbursement and risk mitigation.
- Collected and organized loan documents before submission to underwriting.
Probationary Officer
State Bank Of India
Bengaluru
01.2019 - 04.2021
- Customer Service & Operations: Handling customer queries, account opening/closure, KYC compliance, and promoting bank products and services.
- Regulatory Compliance & Risk Management: Ensuring adherence to RBI guidelines, AML/KYC norms, internal audit requirements, and mitigating operational risks.
- Business Development & Digital Banking: Supporting customer acquisition, cross-selling financial products, promoting government schemes, and assisting customers with digital banking solutions.
Education
Bachelor of Engineering - Computer Science
Mepco Schlenk Engineering College
Sivakasi11-2014
Skills
- Budget monitoring
- Loan processing
- Customer acquisition
- Regulatory compliance
- Risk management
- Cash management
- Operational efficiency
- Problem solving
- Customer and vendor relations
- Strategic planning
Affiliations
- Bike riding and road trips
- Watching anime, TV shows, and movies
Certification
- Junior Associate of the Indian Institute of Bankers by IIBF dated 23 December 2019
- Certified Associate of Indian Institute of Bankers by IIBF dated 23 January 2021
Languages
Tamil
First Language
English
Proficient (C2)
C2
Kannada
Intermediate (B1)
B1
References
References available upon request.
Timeline
Branch Manager
State Bank Of India
07.2023 - 01.2024
Currency Chest Cash Officer
State Bank Of India
05.2022 - 07.2023
Credit Support Officer
State Bank Of India
04.2021 - 05.2022
Probationary Officer
State Bank Of India
01.2019 - 04.2021
Bachelor of Engineering - Computer Science
Mepco Schlenk Engineering College
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