Kesari Anantha Ramakrishna Chaitanya
Bengaluru
Summary
Results-driven freelance banking consultant with a strong background in banking operations and over 5 years of experience with a scheduled commercial bank. Adept at managing teams, implementing quality initiatives, and ensuring regulatory compliance. Demonstrated success in achieving service quality and process efficiency. Committed to fostering a culture of excellence and continuous improvement.
Overview
7
7
years of professional experience
1
1
Certification
Work History
SELF-EMPLOYED
FREELANCE BANKING CONSULTANT
03.2023 - Current
- Gained extensive knowledge in customer investment needs and hands-on experience in personal finance space with my previous retail and corporate banking experience.
- On-boarding customers for a wealthtech startup by reviewing the KYC and other compliance.
- Maintaining the accounts and proposals of customers.
- Identified issues, analyzed information and provided solutions to problems.
- Gained experience in creating mutual fund proposals to individuals with diverse needs and their portfolio management
- Delivered mutual fund distribution services to customers per their needs and within specific timeframes.
- Working with HNI Clients on personal investment space.
- Working and learning more on focused Fintech Investment and Credit products space to reach to Low, middle-income group individuals.
- Completed a Certification on Financial risk management from Indian Institute of Management, Visakhapatnam.
- Completed NISM-VA- Mutual Fund Distributors exam to upsell mutual funds.
Assistant Manager
Karur Vysya Bank(KVB)
11.2017 - 02.2023
- Dealt with branch operations and credit monitoring, achieved business targets in CASA, retail loan portfolio, and retail gold loans, and contributed to 20% business growth through meticulous planning and analysis.
- Cross-selling insurance products to targeted customers and establishing new connections with insurance providers to boost the branch's non-interest income.
- Dealt with end-to-end KYC and On-boarding of the new customers according to the KYC/AML policy of the bank.
- Built risk-profiling framework for retail customers and corporate clients to access Credit from the bank as per Credit risk policy.
- Liquidated default loans through meticulous planning and followup of the legal proceedings through SARFAESI act.
- Did Income-statement analysis for the fresh Loans and advances and contributed to the decision-making team of the back-end to onboard fresh advances and retained best customers through negotiation as per the Bank's credit policy.
- Handled as Authorizer for branch transaction operations through instruments like NEFT, RTGS and Demand Draft and Cheque Truncation system in the ORACLE DBA FLEXCUBE platform and handled Credit onboarding and monitoring through CRM tool LOS-Line of Sales by Salesforce Provider.
- Did Credit risk assessments and KRA for the Small and Mid-size enterprises and followed-up stock statements and balance sheet analysis during Renewals of SOD. Post-sanction Follow-up has been done responsibly to support the Internal audit and Inspection teams.
- Worked in the position of Credit card of Bangalore Divisional Office as a critical single point of contact source and handled sales, operational issues and customer-satisfaction for the Credit card product launched by our Bank. Achieved the sales of the quarterly targets and infused new set of customers to the Credit-portfolio of the bank.
- Efficiently done Cash Management of the branch within the Cash holding limit and meticulously followed Funds-in-transit guidelines.
- Assisted the Manager in daily operations to achieve service quality by meeting/exceeding service standards and achieving zero defects for Cash Management Operations, including Pre-Processing, Processing (Payment and Clearing), and Static Data Unit.
- Discharged operational duties in accordance with the Manager's instructions, ensuring established service standards are met.
- Supported the development of Cash Management Operations processing systems to meet local and business needs and enhance client satisfaction.
- Managed teams to build strong relationships with clients and customers.
- Lead initiatives to innovate and digitize processes and enhance collaboration across the network. Promoted our Digital Bank app and achieved a four-fold increase in Digital transactions.
- Maintained close working relationships with customers to promptly address service issues and implement service quality initiatives.
- Achieved processing turnaround standards and productivity targets.
- Contributed to team objectives and quality management initiatives.
- Assisted in coaching team members and provided ideas for process improvement.
- Completed non-routine tasks within set deadlines. Maintained a high level of customer service efficiency and zero operational write-offs. Ensured no major adverse findings from internal or external audits.
- Leveraged data and analytics to make informed decisions and drive business improvements.
Education
Executive certificate in Financial Risk Management - Risk
Indian Institute of Management Visakhapatnam
06-2024
Post Graduate Certificate in Executive General Management - BusinessAdministration and Management, General
Indian Institute of Management Tiruchirappalli
10-2021
Bachelor of Technology - BTech - Mechanical Engineering
Jawaharlal Nehru Technological University, Kakinada
04-2012
Skills
- Effective Communication skills
- Credit Management
- Retail Banking
- KYC/AML AND CDD
- Business Development
- Customer Grievances Handling
- Enterprise Risk Management
- Team management
- Conflict resolution
- Organization and time management
- Customer service
- Data management
- MS OFFICE
- DIGITAL BANKING
Accomplishments
Best Learning Diary for Credit Management Programme THE KARUR VYSYA BANK STAFF COLLEGE February 2019
Awarded for Best Learning Diary for to compile large chunks of training data and presented effectively for analysis.
Certification
NISM-VA-Mutual FUND DISTRIBUTOR NISM MUMBAI March 2024
IRM Global LEVEL 1 Professional Examination on Enterprise Risk ManagemenT INSTITUTE OF RISK MANAGEMENT IRMIN/L1P/2020/00000880 November 2022
Certificate on Digital Banking INDIAN INSTITUTE OF BANKING AND FINANCE October 2018
PREVENTION OF CYBER CRIMES AND FRAUD MANAGEMENT INDIAN INSTITUTE OF BANKING AND FINANCE August 2019
Languages
TELUGU
Advanced (C1)
ENGLISH
Advanced (C1)
HINDI
Elementary (A2)
Interests
Reading Topics about Personal Finance, Investment Markets and Business Success Stories
Reading Blogs Related to SELF-HELP, and Lifestyle Topics
Watching movies
Mindful scrolling of Social media
Timeline
SELF-EMPLOYED
FREELANCE BANKING CONSULTANT
03.2023 - Current
Assistant Manager
Karur Vysya Bank(KVB)
11.2017 - 02.2023
Executive certificate in Financial Risk Management - Risk
Indian Institute of Management Visakhapatnam
Post Graduate Certificate in Executive General Management - BusinessAdministration and Management, General
Indian Institute of Management Tiruchirappalli
Bachelor of Technology - BTech - Mechanical Engineering
Jawaharlal Nehru Technological University, Kakinada
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