Karthik P
Gulbarga
Summary
Experienced banking professional with expertise in financial systems and regulatory compliance. Proven track record in managing large portfolios and optimizing financial procedures to enhance operational efficiency. Proficient in data analysis, risk management, and strategic planning to support sustainable growth. Recognized for building strong client relationships and leading successful business development initiatives.
Overview
15
15
years of professional experience
1
1
Certificate
Work History
Manager
STATE BANK OF INDIA
01.2024 - Current
- Collaborated with subsidiary teams and Branch Managers to achieve deposit growth and value-added services across the zone.
- Exceeded budget targets for Mutual Funds, Life Insurance, General Insurance, and Liability products.
- Provided management with data analysis for informed decision-making regarding financial strategies.
- Marketed new financial products and cross-sold various banking services to meet sales targets.
- Acted as liaison between management and field teams to drive revenue generation initiatives.
Branch Manager
STATE BANK OF INDIA
BALLARI
07.2019 - 12.2023
- Managed a results-oriented team, driving branch profitability and ensuring high-quality service.
- Achieved branch budgets across all parameters, including deposits, advances, and cross-selling.
- Monitored branch loan portfolio to maintain optimal performance and minimize risk.
- Established relationships with high-net-worth individuals and onboarded new customers from competitors.
- Marketed new financial products and services to enhance customer offerings.
- Cross-sold various banking products, including life insurance and mutual funds.
- Advised companies on effective financial management strategies to support business growth.
- Provided hands-on support for clients to navigate financial decisions successfully.
Deputy Manager- Credit Officer (SME Advances)
STATE BANK OF INDIA
DAVANGERE
08.2016 - 06.2019
- Evaluated creditworthiness of SME applicants by analyzing financial health and processing loan applications ranging from 500,000 to 30,000,000.
- Determined optimal loan terms, including interest rates and repayment schedules for SMEs.
- Ensured compliance with regulatory guidelines and internal lending policies throughout lending processes.
- Managed preparation of comprehensive loan documentation, including applications and agreements.
- Monitored SME loan portfolio performance, identifying risks and implementing corrective measures.
- Acquired new leads and customers, facilitating loan takeovers from competitors.
- Upsold banking and third-party products while delivering ongoing customer support.
Assistant Manager- General Banking & Credit Officer (Retail Advances)
STATE BANK OF INDIA
BALLARI
09.2013 - 07.2016
- Processed and sanctioned retail advances for housing, car, and personal loans.
- Maintained oversight of entire loan portfolio to ensure compliance and performance.
- Executed marketing strategies to promote bank products and increase customer engagement.
Senior Systems Engineer
Infosys Limited
Hyderabad
09.2010 - 02.2013
- Facilitated direct communication with clients regarding bug fixes and code modifications.
- Conducted analysis and storage of data to assess system health.
- Executed timely notifications to relevant teams during production issues.
- Identified and analyzed solutions for production-related challenges.
- Utilized .Net, TOAD, SQL Developer, and Oracle Enterprise Edition technologies.
Education
MBA - Banking & Finance
Alagappa University
CHENNAI01-2022
Bachelor of Technology -
MVGR College of Engineering
Vizayanagaram, Andhra PradeshPre University College - Maths and Physics
Sri Chaitanya Junior College
VizagSkills
- Financial analysis and credit evaluation
- Regulatory compliance
- Customer relationship management
- Risk assessment and problem solving
- Loan documentation
- Effective communication
Certification
- Pursuing the Certified Wealth Manager (CWM) designation from AAFM India under the experience pathway
- CRISIL Certified Wealth Manager (Advanced)
- NISM Certified Mutual Fund Distributor (AMFI), Bank Assurance
- Moody's Certificate in CIC (Commercial Credit)
- Anti-Money Laundering and Know Your Customer (AML & KYC)
- JAIIB and CAIIB Certifications from IIBF
- Small and Medium Enterprises Finance for Bankers from IIBF
- Customer service and banking codes and standards from IIBF
Accomplishments
- Received appreciations & Certificates from management for achieving the Targets.
- Felicitated by GM for Performance in Mutual Fund /Life Insurance Sales.
- Elevated to Manager within span of 5 years in State Bank of India.
Timeline
Manager
STATE BANK OF INDIA
01.2024 - Current
Branch Manager
STATE BANK OF INDIA
07.2019 - 12.2023
Deputy Manager- Credit Officer (SME Advances)
STATE BANK OF INDIA
08.2016 - 06.2019
Assistant Manager- General Banking & Credit Officer (Retail Advances)
STATE BANK OF INDIA
09.2013 - 07.2016
Senior Systems Engineer
Infosys Limited
09.2010 - 02.2013
MBA - Banking & Finance
Alagappa University
Bachelor of Technology -
MVGR College of Engineering
Pre University College - Maths and Physics
Sri Chaitanya Junior College
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Extracurricular Activities
I love to play shuttle, workout in gym and read novels.
Additional Competencies
- Customer Relationship Management
- Operational Excellence
- Process Improvements
- Analytical & Problem solving Skills
- Marketing & Cross selling
- Credit Management
- Advances Recovery
- Bank assurance
- Investment Advisory
Personal Information
- Total Experience: 11 years 6 months
- Date of Birth: 11/05/87
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Languages
- English
- Hindi
- Telugu
- Kannada
Extracurricular Activities
I love to play shuttle, workout in gym and read novels.
Additional Competencies
- Customer Relationship Management
- Operational Excellence
- Process Improvements
- Analytical & Problem solving Skills
- Marketing & Cross selling
- Credit Management
- Advances Recovery
- Bank assurance
- Investment Advisory
Personal Information
- Total Experience: 11 years 6 months
- Date of Birth: 11/05/87
- Gender: Male
- Nationality: Indian
- Marital Status: Married
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