JIBI KURIAKOSE P S
Banking Professional
Kochi
Summary
Results-oriented professional with 18 years of extensive experience in digital banking, operations, sales, and business development within the banking and retail telecom sectors. Proven expertise in leading, training, and monitoring team performance to optimize operational efficiency and consistently achieve targets. Strong administrative capabilities complemented by exceptional communication and negotiation skills, along with a demonstrated ability to inspire teams to deliver cost-effective solutions. Resourceful in project completion and adept at managing multiple priorities simultaneously, ensuring success in dynamic environments.
Overview
18
18
years of professional experience
1
1
Certification
3
3
Languages
Work History
Unit Head- Digital Platforms – Mobile Banking / Internet banking
ESAF Small Finance Bank Ltd
05.2022 - Current
- Developing and implementing digital banking product strategies to drive customer adoption, retention, and revenue growth.
- Oversee the development, launch, and maintenance of mobile banking, retail internet banking, and corporate internet banking products.
- Lead, guide and manage the team of product managers to ensure successful product delivery.
- Key Achievements: Lead the Mobile Banking and Retail Internet Banking Revamp Project 2.0 for the Bank and Successfully delivered to Production.
- Responsibilities: Defined product roadmap and requirements. Collaborated with cross-functional teams (IT, operations and TSP Vendors) to develop and launch digital banking products.
- Ensured products meet customer needs, regulatory requirements, and business objectives.
- Overseen product operations, including maintenance, updates, and troubleshooting.
- Ensured seamless customer experience across digital channels.
- Monitored product performance, identify areas for improvement, and implement changes.
- Ensured digital banking products comply with regulatory requirements and industry standards.
- Managed risks associated with digital banking products, including security, operational, and reputational risks.
- Business Development: Identified opportunities to drive business growth through digital banking products.
- Collaborated with sales and marketing teams to promote digital banking products.
- Developed and implemented strategies to increase customer adoption and retention.
- Stakeholder Management: Communicated product plans, progress, and issues to stakeholders, including senior management, business Product owners, customers, and regulators.
- Managed stakeholder expectations and build strong relationships.
Senior Select Relationship Manager
INDUSIND BANK LTD
10.2021 - 04.2022
- HNI Portfolio Management
- Cross selling of Banking Products and TPA
- Achieving Income as per scheduled
- New HNI Acquisition
- Relationship Management and Building Better customer Relationship
- CASA Value deepening.
- Market Combing Activities for New Clients.
- Sales Target Achievement.
- RESPONSIBILITY & NATURE OF JOB:
Sales Manager- Personal Loan
AXIS BANK LTD
03.2019 - 10.2021
- Sales Manager Responsible for achieving Sales Target as per KRA.
- Sales Planning for Achieving Targets in each products.
- Maintaining Branch channel activation in Loan products and achieving branch target.
- Conducting Corporate Activities for Business Improvement.
- Team Build up and proper Training for Team members for achieving their goals.
- Reviews with Team for business improvement.
- Coordinating with Credit and operation department for smoother business outputs.
- Proper Tracking of Business files to be completed within the TAT.
- DSR Maintenance for the Team.
- Meeting own productivity and for reporting Team Members.
- RESPONSIBILITY & NATURE OF JOB:
Relationship Manager - Corporate Salary
ICICI BANK LTD
10.2015 - 03.2019
- Corporate Salary Relationship build up in between existing Salary Corporates.
- Being one touch point from customer point of view.
- Frequent interactions with key decision makers of corporate clients.
- New corporate client acquisition for enhancing Business.
- Empanelment of New Corporate Clients, having parallel Relationship with competitor.
- New salary account opening for Employees in Clients.
- Cross sell and attachment of banking products.
- CASA build up through high value acquisition.
- Managing and building a Team of Reporting Officers.
- Meeting own productivity and for reporting officers.
- Achieving monthly and yearly targets across products.
- Releasing and Activating New Salary Accounts within TAT and as per Bank guidelines.
- Cordinating in corporate activities in Corporate Clients for enhancing and cross selling assets and banking products.
- Building good synergy between all product and Branch Banking Teams.
- Assisting and Supporting the Clusters and Branches which ate mapped.
- RESPONSIBILITY & NATURE OF JOB:
Personnel Banker - Retail Branch Banking
HDFC BANK LTD
07.2012 - 09.2015
- Direct customer interaction which include selling banking products, third party products, clearing customer queries and complaints to ensure maximum customer satisfaction.
- Responsible for meeting the Individual Sales targets.
- Maintaining Strict Audit Compliance in banking operations and Documentation
- Client Follow-up for better Cross sell of banking products.
- Customer Follow up for Value Build Up in CASA
- RESPONSIBILITY & NATURE OF JOB:
Back-end Relationship Manger - Corporate
RELIANCE COMMUNICATIONS.
04.2011 - 06.2012
- Back-end Customer Care Support for Corporate Clients All across Kerala.
- Meeting Corporate Client Needs for Retention of Business.
- Maintaining regular Contacts with Client in Client Relationship.
- Cross selling Products within Customer Base.
- Customer Care Escalations, Cross Selling Products and follow ups
- Client Follow-up for Complaint Resolutions Pan India
- Co-ordination with NHQ, Back Office MIS Report Circulation.
- RESPONSIBILITY & NATURE OF JOB:
Team Leader- Web World Retail Outlet
RELIANCE WEBSTORE LIMITED.
06.2007 - 10.2010
- Provided support to the sales team, ensuring all sales and service objectives were met.
- Responsible for customer service in the Customer Care Division, duties included answering customer queries, problem solving and Customer Care Parameters.
- Worked with new customers in the development of new accounts and the implementation of new systems
- Assisted in the development of new policies and procedures
- Assisted in the training of new customer service representatives and associates
- Performed market research surveys on customer needs and requirements
- Prepared weekly sales reports for sales management
- Weekly Sales Assessments for Achieving Sales Target
- Lead Creations through Field Activities
- Generated repeat business through successful client follow-up
- Team Management and Co-ordination
- Maintaining Handset Stock and its Report.
- RESPONSIBILITY & NATURE OF JOB:
Education
B Sc - Zoology
SACRED HEART'S COLLEGE
KOCHI01.2007
H S C -
E M G HSS
01.2004
S S L C -
St. JOHN DE BRITTO HS
01.2002
Skills
- Product Management
- Defining and communicating a clear product vision aligned with business objectives
- Develop and manage a product roadmap that prioritizes features and requirements
- Collecting and prioritizing product requirements from stakeholders, customers, and market research
- Planning and executing successful product launches, including marketing, sales, and support
- Tracking key performance indicators (KPIs) to measure product success and identify areas for improvement
- Continuously gathering feedback and iterate on the product to improve its features, functionality, and user experience
- Effectively communicating product plans, progress, and issues to stakeholders, including senior management, customers, and team members
- Managing stakeholder expectations and build strong relationships
- In-depth understanding of digital banking products, services, and channels
- Familiarity with technology platforms, architectures, and infrastructure supporting digital banking
- Ability to analyze data to inform product decisions and optimize product performance
- Understanding market trends, customer needs, and competitor activity
- Developed business cases to justify product investments and measure ROI
- Identifying opportunities to drive revenue growth through product innovation and optimization
- Team-oriented project leadership, with effective team handling and enhancing team stickiness
References
Mr. Kanakaraj M, Chief manager, ESAF SFB, Kochi, Mob:, 9847318110
Mr. Firoz Muhammed, Senior Manager, SIB, Ernakulam, Mob: 8129699567
Mr. Manu Manager, ASM, Kotak Mahindra Bank LTD, Kochi, Mob: 9645322255
Mr. VinodKumar, Zonal Head, Muthoot Fincorp, KOchi, Mob: 8136844332
Operations and Sales / Business Development
- Developing marketing strategies to build consumer preference and driving volumes. Evaluating marketing budgets periodically including manpower planning initiatives and ensure adherence to planned expenses.
- Giving equal focus to all verticals and thereby driving volume and profitability.
- Driving and leading the Team to achieve targets and Goal sheets given by the company.
Team Management
- Leading, mentoring & monitoring the performance of the team to ensure efficiency in process operations & meeting of individual & group targets.
- Managing complete recruitment life cycle for sourcing the best talent from diverse sources after identification of manpower requirements.
Retail Operations
- Maintaining store ambience
- Store Operations Index
- Process Implementation of Customer Care
- Coordination Activities
- Team Leading
- Customer Relation Management
Certification
PMI / NASBA Online Certifications in Digital Strategy, Digital Transformation, Technical Product Management, Product Management, Preventing Team Burnout as a Manager, Improving ypur Focus, Effectively Leading Digital Transformation, AI and Business Stratergy, Working with Difficult People
Timeline
Unit Head- Digital Platforms – Mobile Banking / Internet banking
ESAF Small Finance Bank Ltd
05.2022 - Current
Senior Select Relationship Manager
INDUSIND BANK LTD
10.2021 - 04.2022
Sales Manager- Personal Loan
AXIS BANK LTD
03.2019 - 10.2021
Relationship Manager - Corporate Salary
ICICI BANK LTD
10.2015 - 03.2019
Personnel Banker - Retail Branch Banking
HDFC BANK LTD
07.2012 - 09.2015
Back-end Relationship Manger - Corporate
RELIANCE COMMUNICATIONS.
04.2011 - 06.2012
Team Leader- Web World Retail Outlet
RELIANCE WEBSTORE LIMITED.
06.2007 - 10.2010
B Sc - Zoology
SACRED HEART'S COLLEGE
H S C -
E M G HSS
S S L C -
St. JOHN DE BRITTO HS
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