Summary
Overview
Work History
Education
Skills
Timeline
Generic

Kala Krishnamoorthy

Trade Finance, Credit Professional
Chennai,TN

Summary

Professional and Experienced Credit Officer with several years of diverse experience in asset and Trade Finance , skilled in credit analysis and operational efficiency. Successfully enhanced customer satisfaction through strategic initiatives and streamlined processes, resulting in improved client retention. Proven ability in relationship management and due diligence, driving organizational success and fostering a collaborative work environment with strong focus on team collaboration and results-driven work environment.

Overview

16
16
years of professional experience

Work History

Asset Officer

IDBI Bank
04.2025 - Current
  • Played a key role in the development of strategic plans involving customer expansion, acquisitions by providing valuable input on cost effective measures and Tailor made products to suite customer requirement.
  • Cross-trained and delivered mentoring support across organization in areas related to asset portfolio and regulatory guideline's.
  • Developed comprehensive asset reports to inform decision-making and optimize resource allocation.
  • Negotiated favorable terms with vendors for cost-effective asset acquisition and management solutions.

Assistant General Manager- Credit Solution Center

IDBI Bank
08.2021 - 03.2025
  • Evaluating the financial status of loan applicants through research and interviews to determine their creditworthiness.
  • Analyze financial records, credit applications to gain insights into a borrower's financial health, profitability, and liquidity.
  • Quantify potential risks associated with extending credit. This involves evaluating factors like financial stability, payment history, debt-to-income ratios, industry trends, and economic conditions.
  • Use credit scoring models and methodologies to generate scores that help quantify risk.
  • Ensure all necessary legal documents related to credit agreements are properly prepared and executed, adhering to internal policies and regulatory requirements.
  • Continuously monitor existing credit portfolios for changes in credit risk, identifying potential delinquencies or deteriorating financial conditions.
  • Developed and implemented new operational procedures, streamlining daily tasks and improving overall efficiency.
  • Managed budget implementations in line with the organisation requirements followed with , employee reviews, training , Mentored and motivated team members to achieve challenging business goals.
  • Developed and executed strategies to improve customer experience, resulting in positive customer reviews and increased business.
  • Upgraded technology systems, enhancing overall business efficiency and customer interaction.
  • Conducted regular competitor analysis to stay ahead in market trends and offerings.
  • Coordinated with multiple departments to ensure seamless operations, leading to enhanced customer experience
  • Increased customer satisfaction by taking regular feedback to identify areas of improvement and resolving concerns in a timely manner.
  • Processed and Maintained detailed records of all transactions, ensuring accuracy in line with the regulatory standards and compliance requirements.
  • Enhanced communication among team members by motivating through regular meetings, promoting an open dialogue about challenges and opportunities for improvement and maximize performance.
  • Improved employee morale through recognition programs that acknowledged individual achievements and team successes.
  • Assisted in onboarding process for new employees to build a skilled workforce committed to excellence in service delivery.
  • Collaborated with other department managers on cross-functional projects, fostering a cooperative atmosphere that drove overall organizational success.
  • Initiated local marketing campaign, increasing foot traffic and improve credit requirement.
  • Facilitated team meetings to discuss targets and strategies, fostering collaborative work environment.
  • Resolved customer complaints with professionalism, restoring trust and loyalty.

Trade Finance Cum Currency Operations

IDBI Bank
07.2009 - 07.2021
  • Conducted regular reviews of existing policies and procedures to identify areas for improvement and enhancement in line with industry standards.
  • Enhanced customer satisfaction through the timely management of trade finance transactions and addressing client concerns proactively.
  • Managed complex trade finance portfolios, achieving high levels of customer retention and satisfaction.
  • Managed a diverse array of financing instruments such as letters of credit, guarantees to cater to different client needs effectively.
  • Liaised effectively with corresponding banks and other external stakeholders to ensure seamless execution of trade finance operations.
  • Streamlined trade finance processes by implementing efficient workflow systems and reducing turnaround time.
  • Conducted regular reviews of existing policies and procedures to identify areas for improvement or enhancement in line with industry standards.

Education

Banking JAIIB & CAIIB - Banking

JAIIB & CAIIB
Mumbai
04.2001 -

ICWAI - Financial Accounting, Management Accounting & Tax

The Institute of Cost And Works Accountants of India
Mumbai, India
04.2001 -

Master of Commerce - Accounting

University of Mumbai
Mumbai
04.2001 -

Bachelor of Commerce - Financial Accounting & Auditing

Model College
Mumbai, India
04.2001 -

Skills

Operational efficiency

Timeline

Asset Officer

IDBI Bank
04.2025 - Current

Assistant General Manager- Credit Solution Center

IDBI Bank
08.2021 - 03.2025

Trade Finance Cum Currency Operations

IDBI Bank
07.2009 - 07.2021

Banking JAIIB & CAIIB - Banking

JAIIB & CAIIB
04.2001 -

ICWAI - Financial Accounting, Management Accounting & Tax

The Institute of Cost And Works Accountants of India
04.2001 -

Master of Commerce - Accounting

University of Mumbai
04.2001 -

Bachelor of Commerce - Financial Accounting & Auditing

Model College
04.2001 -

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Kala Krishnamoorthy Trade Finance, Credit Professional