Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

KARTHYKUMAR S

Coimbatore

Summary

Banking professional with over 19 years of expertise in regulatory compliance and risk management. Proven track record in Retail Asset Operations, Business Banking Operations, and Customer Service. Strong analytical skills and ability to implement effective compliance strategies that enhance operational efficiency.

Overview

19
19
years of professional experience

Work History

Operations Manager-Business Banking

AXIS BANK
Coimbatore
02.2024 - Current
  • Taking care of Business Banking operations- handling of Working Capital, Term Loan, Cash Credit & Overdraft
  • File scrutiny, KYC verification, Sanction Conditions compliance, End to End disbursement, limit set up, Repayment setup
  • Scrutiny of Legal & Technical Reports and Preparation of MODT
  • First Emi Banking, NACH activation
  • Taking Care of Property Insurance, Stock Insurance & Life Insurance of Applicants
  • Deferral Tracking and Closing, Scrutiny the file as per credit policy under by scheme & product vice.
  • Handling the compliance audit & Internal audit discrepancies and resolve with in TAT.
  • Preparing and maintaining all MIS process day by day and circulate all senior officials

Manager- Wholesale Banking Operations

HDFC Bank Ltd
Trichy
02.2016 - 01.2024
  • Taking care of Branch Operations – Clearing activities & Cash Management Services for Trichy Hub, handling 15 branches for Retail Branch Customers
  • Corporate Customers handling -Special arrangements for collection/process of cheques, DD’s & Cash payments
  • Disbursement of Gold loan from End to End activities, Customer Service of Gold loans, Management of Valuer, Timely disbursement of gold fresh loans, renewal, Top-up and closure.
  • Acting as a Branch Custodian for Gold – Incharge of Gold Deposit/Withdrawal
  • Retail Loan disbursements- PL, BL, AL, TW, SHG etc…
  • Processing of AOF-Account Opening Forms (Savings, Salary, Kids, Current accounts, NRI & NRE, SHG (Self Help Group), & FD, RD, PPF etc.
  • Handling 5 members team, monitoring and authorisation of entries /payments of reportees
  • Aadhar services updation and modification data processing for retail customers
  • Processing forms of Merchant account UPI activation, POS machine etc.
  • MIS management for the branch as well as audit

Assistant Manager –Operations

Sundaram BNP Paribas Home Finance Ltd
08.2012 - 01.2016
  • Credit Appraisals of Home Loans & Mortgage Loans
  • Maintaining Good Portfolio
  • Management of Legal & Technical Activities
  • In-Charge of branch operations & Personal Discussions
  • MIS management
  • Branch Operations & Accounting

Credit Officer

Dewan Housing Finance Corporation Ltd
Trichy
02.2012 - 08.2012

Credit Officer

Aptus Value Housing Finance Ltd
Karur
03.2011 - 01.2012

Credit Co-Coordinator

ADFC Pvt. Ltd (Subsidiary of HDFC Bank Ltd)
Trichy
12.2005 - 03.2011

Education

B.SC - Mathematics

Periyar E.V.R College
Trichy

Skills

Regulatory compliance

  • Risk management
  • Process improvement
  • Customer service
  • Management information systems
  • Loan processing and disbursement
  • KYC compliance

Languages

Tamil
First Language
English
Upper Intermediate (B2)
B2

Timeline

Operations Manager-Business Banking

AXIS BANK
02.2024 - Current

Manager- Wholesale Banking Operations

HDFC Bank Ltd
02.2016 - 01.2024

Assistant Manager –Operations

Sundaram BNP Paribas Home Finance Ltd
08.2012 - 01.2016

Credit Officer

Dewan Housing Finance Corporation Ltd
02.2012 - 08.2012

Credit Officer

Aptus Value Housing Finance Ltd
03.2011 - 01.2012

Credit Co-Coordinator

ADFC Pvt. Ltd (Subsidiary of HDFC Bank Ltd)
12.2005 - 03.2011

B.SC - Mathematics

Periyar E.V.R College

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KARTHYKUMAR S