JOEL GEORGE JACOB
Pune
Summary
Results-driven banking professional with 14+ years of experience across corporate & commercial banking, credit underwriting, risk management, compliance, and relationship management. Proven track record of managing ₹2000+ Cr corporate portfolios, delivering YoY growth, and maintaining zero delinquencies. Experienced in leading cross-functional teams (Trade, Treasury, Operations) and mentoring interns and junior staff on credit, compliance, and customer handling. Recognized as a trusted knowledge partner and go-to resource for process guidance and issue resolution. Now seeking a Team Lead / Corporate Banking Manager role with responsibility for team coordination, portfolio growth, and stakeholder leadership.
Overview
14
14
years of professional experience
6
6
Certifications
Work History
SENIOR MANAGER
THE FEDERAL BANK LTD
04.2023 - Current
- Manage a ₹2000+ Cr corporate portfolio across 30+ mid and large clients including Kalyani Group, Posco, and Sudarshan Group.
- Lead cross-functional coordination with Trade, Treasury, Credit, and Business Solutions teams to deepen client relationships and improve service turnaround.
- Drive portfolio growth while ensuring credit compliance, risk mitigation, and regulatory adherence.
- Mentor interns and new joiners on banking operations, credit processes, compliance standards, and customer communication.
- Act as a functional team coordinator, supporting onboarding, workflow guidance, and issue resolution.
- Serve as a go-to advisor for peers and junior staff for process clarification and client handling challenges.
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
MANAGER
THE SOUTH INDIAN BANK LTD
05.2019 - 04.2023
- Prepared and underwrote corporate credit proposals, including financial analysis, risk assessment, and compliance validation.
- Achieved 25% portfolio growth YoY for two consecutive years while maintaining zero delinquencies.
- Reviewed financial statements, annual reports, and regulatory documentation to prepare credit recommendations.
- Identified key risk indicators and early warning signals to prevent defaults.
- Coordinated with internal stakeholders, legal teams, and auditors to ensure compliant execution of credit documentation.
- Trained and mentored junior officers in credit appraisal, monitoring, and regulatory compliance.
ASSISTANT MANAGER
THE SOUTH INDIAN BANK LTD
09.2015 - 04.2019
- Managed ₹400+ Cr retail asset & liability portfolio.
- Administered credit monitoring, audit compliance, and portfolio performance reviews.
- Supported branch teams with KYC, AML, collections, recovery actions, and early risk identification.
- Coordinated with business units to ensure timely reporting and regulatory adherence.
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Improved customer satisfaction by addressing and resolving complaints promptly.
ASSOCIATE
THE SOUTH INDIAN BANK LTD
05.2012 - 09.2015
- Oversaw branch-level operations including cash management, customer servicing, trade finance, and digital banking promotion.
- Supported marketing initiatives, new scheme rollouts, CASA growth, and customer acquisition.
- Acted as branch marketing coordinator for two years, driving product adoption and customer engagement.
Education
PGDM-HB - Finance
07.2020
B.E. - ECE
05.2011
Skills
Corporate Banking
Credit Underwriting
Risk Management
Compliance
Portfolio Growth
Stakeholder Management
Team Mentoring
Cross-Functional Leadership
AML & KYC
Credit Monitoring
Relationship Management
Process Improvement
Regulatory Compliance
Certification
Certified Associate of Indian Institute of banking (Risk Management) Indian Institute of banking
LEADERSHIP & TEAM DEVELOPMENT
- Mentored interns and junior officers on compliance, credit monitoring, and client handling.
- Supported onboarding and process training across departments.
- Acted as interim team coordinator during high-volume periods.
- Recognized for knowledge sharing, patience, and operational guidance.
KEY ACHIEVEMENTS
- ₹2000+ Cr corporate portfolio
- ₹400+ Cr retail & liability portfolio
- 25% YoY growth for 2 years
- Zero delinquencies (2 consecutive years)
Timeline
SENIOR MANAGER - THE FEDERAL BANK LTD
04.2023 - Current
MANAGER - THE SOUTH INDIAN BANK LTD
05.2019 - 04.2023
ASSISTANT MANAGER - THE SOUTH INDIAN BANK LTD
09.2015 - 04.2019
ASSOCIATE - THE SOUTH INDIAN BANK LTD
05.2012 - 09.2015
NRI Institute of Information Science and Technology - B.E., ECE
Prin. L N WELINGKAR INSTITUTE OF MANAGEMENT DEVELOPMENT AND RESEARCH - PGDM-HB, Finance