Jayakumar Talari
Versatile Banker
Chennai,TN
Summary
Dynamic banking professional with 39 years of extensive experience in the banking and finance sector, excelling in Credit and Operations Risk Management, Strategic Planning, and Business Development. Proven ability to lead large teams and manage substantial portfolios, driving profitability and operational excellence across multiple branch locations. Expertise in fostering positive industrial relations and delivering innovative solutions to enhance overall efficiency. Committed to leveraging a versatile skill set to achieve ambitious targets while maintaining compliance and customer satisfaction in a rapidly evolving financial environment.
Overview
30
30
years of professional experience
4
4
Certifications
5
5
Languages
Work History
Chief Manager (Sanctions)
State Bank of India
05.2021 - 01.2024
- Headed SME retail loan processing team serving 73 branches in North Chennai.
- Acted as sole sanctioning authority for loans up to Rs. 50 lakhs from all branches.
- Guided customers and staff through documentation and disbursement processes.
- Supported branches in achieving budgeted goals within SME segment.
- Assisted branches with audits and compliance issues, addressing audit remarks.
- Ensured quality of assets through effective recovery follow-ups and NPA reduction strategies.
- Executed loan underwriting, enhancing business development initiatives across the network.
- Managed team performance, focusing on credit risk management and compliance reporting.
Chief Manager (Branch Head)
State Bank of India
05.2019 - 05.2021
- Spearheaded branch performance management in areas such as team oversight and business growth.
- Achieved budget goals while ensuring maximum profitability through effective expense control.
- Enhanced customer relations to drive loyalty and repeat business.
- Implemented credit and operations risk management practices to reduce NPAs effectively.
- Engaged with government authorities to support branch activities as a District Headquarters branch.
- Authorized a range of loans including personal, pension, vehicle, gold, business, housing, mortgage, and educational loans.
- Monitored compliance with statutory guidelines through precise reporting measures.
- Focused on maintaining overall branch health through strategic financial oversight.
Manager (Branch Head)
State Bank of India
05.2017 - 05.2019
- Directed overall branch operations, achieving budgeted goals in deposits and advances.
- Sanctioned personal, car, pension, and gold loans while sourcing housing and SME loans.
- Reduced non-performing assets through effective credit underwriting and strategic planning.
- Implemented measures to decrease expenses and enhance profitability.
- Achieved cross-selling targets by fostering strong customer relations.
- Ensured compliance with audit requirements through diligent reporting to controllers.
- Managed team dynamics to optimize performance across all branch activities.
Manager (Branch Head)
State Bank of India
10.2014 - 05.2017
- Led operations as Branch Head at PBB Saifabad, overseeing a portfolio of Rs.675 crores, including Personal, Pension, Car, and Housing Loans.
- Cultivated relationships with high-net-worth clients, including corporate bosses and government officials, ensuring exceptional customer service.
- Spearheaded business development initiatives, achieving budgeted goals in deposits and advances while optimizing profit margins.
- Streamlined cash management processes and ensured compliance with statutory audit requirements.
- Directed and mentored a high-performing team to enhance operational efficiency and drive strategic objectives.
Manager (Branch Head)
State Bank of India
04.2013 - 10.2014
- Managed preparation and recommendation of high-value credit proposals ranging from Rs. 5 crores to Rs. 50 crores for credit committees.
- Conducted thorough risk assessments and implemented effective risk mitigation strategies.
- Oversaw documentation and reporting for advance accounts to ensure compliance and accuracy.
- Enhanced customer service experience through proactive relationship management with medium enterprises.
- Led cross-functional teams to optimize credit management processes and drive operational excellence.
Inspection & Audit Assistant
State Bank of India
12.1993 - 12.2004
- Conducted comprehensive audits across 97 branches nationwide, collaborating with top management for strategic insights.
- Advised branch personnel on risk mitigation strategies, enhancing operational compliance and efficiency.
- Developed and implemented audit plans to address internal controls and compliance issues.
- Analyzed financial reports to identify discrepancies, ensuring accuracy and transparency.
- Facilitated training sessions for staff on audit processes and regulatory requirements.
Education
Bachelor of Commerce (Computers) - Business Accountancy
Sri Venkateswara University
Tirupati, India 04.2001 -
Skills
Sales strategy development
Client engagement
Knowledge of corporate governance practices
Regulatory compliance oversight
Human resources leadership
Risk mitigation strategies
Risk assessment in operations
Internal audit expertise
Team leadership
Loan underwriting expertise
Business intelligence analysis
Revenue and expense analysis
Goal-oriented planning
Certification
Certified Insurance Facilitator from IRDA
Timeline
Certification in Commercial Credit by Moody's
12-2021
Chief Manager (Sanctions)
State Bank of India
05.2021 - 01.2024
Certification in Customer Service by State Bank of India
12-2020
Certification in SME Advanced from State Bank of Indiaed
12-2019
Chief Manager (Branch Head)
State Bank of India
05.2019 - 05.2021
Certified Insurance Facilitator from IRDA
09-2018
Manager (Branch Head)
State Bank of India
05.2017 - 05.2019
Manager (Branch Head)
State Bank of India
10.2014 - 05.2017
Manager (Branch Head)
State Bank of India
04.2013 - 10.2014
Bachelor of Commerce (Computers) - Business Accountancy
Sri Venkateswara University
04.2001 -
Inspection & Audit Assistant
State Bank of India
12.1993 - 12.2004