Krishnamurthy K M
Bangalore
Summary
To be part of an organization which provides me an open environment where I can realize and integrate my skills & knowledge to work positively towards the achievement of organizational and personal goals.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Branch Manager
KOTAK MAHINDRA BANK
11.2023 - Current
- Managing a Branch book of over 150 Cr. Inclusive of CASA, TD.
- Responsible for overall improvement of the branch by getting New to Bank customers and retaining the existing book.
- Nurturing team for their development and also towards branch productivity achievement.
- Responsible for compliance of the branch by getting audit improvement, and customer satisfaction score as well.
- Responsible to building asset book, Income through Life, general insurance and cross sell.
- Responsible for up-keeping branch as per Banks branding, image and maintenance on regular basis.
- Formulating strategies in sync with Management objectives.
- Roles and Responsibilities
Circle Business Manager, Retail NPS
AXIS BANK
04.2023 - 08.2023
- Managing National Pension System for 3 Circles in Bangalore, driving the NPS numbers, branch activation and ensuring the Income to the branches.
- Providing necessary training support on NPS to branches and also to Axis Virtual Centre.
- Building the AUM for Axis Pension Fund through coordination between Axis Bank and Axis Pension Fund Management.
AVP, Branch Head
AXIS BANK
05.2017 - 03.2023
- Responsible for overall branch development, achieving business target across CASA,RTD, SME and TPP income
- Making the team perform in terms of productivity, operational parameters as set by the Bank.
- Nurturing team for their development and also towards achievement.
- Responsible for increasing the branch book size, reducing the cost and overall improvement of the branch.
- Responsible for Branch Audit, customer satisfaction, service quality.
- Responsible for up-keeping branch as per Banks branding, image and maintenance on regular basis.
- Formulating strategies in sync with Management objectives.
- Roles and Responsibilities
Branch Operation Manager
AXIS BANK
01.2014 - 04.2017
- Responsible for all day-to-day Banking operations including customer retention and loss control; ensure an efficient and smooth running branch in all respects.
- Handling a operations team of 6 people and supporting them in terms of getting the Business to branch and guiding them in operational excellence.
- Certifying the KYC and processing of all kinds of account opening forms and ensuring the process within TAT and quality.
- Roles and Responsibilities
Personal Banker Authorizer(PBA-Back up Branch Manager)
HDFC BANK
09.2011 - 01.2014
- Account activation / Depletion/Controolling NFTR
- Dispatching AOF to concerned department on regular
- Conducting customer committee meeting
- Action on all Exceptions
- Sourcing Business for branch [ SB/CA/RD/FD]
- Resolving customer queries and attending CRM
- Lockers management & reconciliation
- Instant kit & deliverables reconciliation
- Conducting Surprise audit once in a month for branch
- Generating Leads for LI and Asset Products.
- Ensuring day to day activities completed without error.
- Initiating training for staff and conducting events/drives
- Roles and Responsibilities
Branch Operation Manager
ICICI Bank Ltd
03.2011 - 08.2011
- Responsible for all day-to-day operations including customer retention and loss control; ensure an efficient and smooth running branch in all respects.
- One person responsible for entire branch operations including branch visuals, Audit, Transactions, customer satisfaction and Business development.
- Handled the service team, With specified query desks and cash counters.
- Day to day ensuring completion of KYC for savings/current/NRI account opening, Demat, Loan. Serving as One Point Contact for all documented related queries for the branch
- Front runner for the branch in Mutual Funds, Life Insurance, General insurance. Responsible to drive the team as a team leader for product training and handling related queries.
- Controlling rejections and ensuring proper TAT for all products with accurate KYC documents. Ensuring compliance and policy standards.
- Good knowledge in FCRM - Finacle Customer Relationship Management for resolving customer queries.
- Handling inter branch reconciliation and Office account entries.
- Handled various FOREX transactions like foreign currency exchange, issue of travelers Cheque, inward remittances and outward remittances
- Implementing policies/procedures for the all round development of banks as well as reducing overall costs to the bank through various means.
- Have conducted training sessions on finacle menu options in branches.
- Proficiency in submitting the following periodical reports to Corporate office /RBI .
- Roles and Responsibilities
Privilege Banker
ICICI Bank Ltd
04.2009 - 02.2011
- Managing a set of customers to help them in their banking needs and resolving service issues.
- Management of Critical requests & its closure, escalation of issues, risk mitigation etc.
- Managing SEG customers and resolving the needs of the customers.
- Played an effective role in reducing the customer wait time through Dynamic Queue Management.
- Handled Asset operations like foreclosure and Conversion.
- Roles and Responsibilities
General Banking Operation
ICICI Bank Ltd
11.2006 - 03.2009
- Processing of requests like QAB, Signature addition /deletion, address change, account closure as per KYC Norms
- Maintaining Client Relationship and resolving the discrepancies.
- Cross Selling (New Account Opening and Channel Migration)
- Day to day processing of transfer cheques.
- Issuing DD & PO by debiting Client’s account.
- Processing Real Time Gross Settlement (RTGS).
- Handled Queries pertaining to cheque credits and deliverables.
- Guiding process flow of Internet Banking Operations.
- Keeping track of deliverables like cheque book, debit card, debit pin, internet banking pin,and returned cheques.
- Handled teller operations.
Education
S S L C -
Government High School
P U C -
Government Pre-university College
BCOM -
Acharya Tulasi National Commerce College
03-2004
MBA - Finance
Oxford Engineering College
08-2006
Skills
- Having sound knowledge and experience working with Banking applications like Finacle, FCRM, and Staffware , Info pool, and Finware
- Good presentation skills
- Understanding and assisting colleagues in solving their problems
- Positive attitude
- Get into the root cause of a problem to solve it
Certification
NISM VI, IRDA & AMFI Certified.
Languages Known
English, Hindi, and Kannada.
SUMMARY OF EXPERIENCE
- A Dynamic professional with over 17 years of experience in Retail Branch Banking and Customer Relationships.
- Ensuring quality Business, KYC scrutiny and processing of Accounts.
- Involved in implementation of different initiatives for all products sold & serviced.
- Energetic and Self Motivated Team Player/ Builder with the capability to excel in effectively handling multiple responsibilities and people.
- Received appreciations from the senior management for successful process implementation & escalation management.
- Sound working knowledge of Finacle, Flexcube and finacle CRM.
Awards
Certificate of Appreciation “EAGLE EYE AWARD” from General Manager for the prevention of fraud., Appreciation mails and letters from Customers for resolving their issues within the Turn Around Time (TAT).
Disclaimer
The above-furnished information is true to the best of my knowledge. (Krishnamurthy K M)
Hobbies and Interests
Hobbies: Reading Books
Timeline
Branch Manager
KOTAK MAHINDRA BANK
11.2023 - Current
Circle Business Manager, Retail NPS
AXIS BANK
04.2023 - 08.2023
AVP, Branch Head
AXIS BANK
05.2017 - 03.2023
Branch Operation Manager
AXIS BANK
01.2014 - 04.2017
Personal Banker Authorizer(PBA-Back up Branch Manager)
HDFC BANK
09.2011 - 01.2014
Branch Operation Manager
ICICI Bank Ltd
03.2011 - 08.2011
Privilege Banker
ICICI Bank Ltd
04.2009 - 02.2011
General Banking Operation
ICICI Bank Ltd
11.2006 - 03.2009
S S L C -
Government High School
P U C -
Government Pre-university College
BCOM -
Acharya Tulasi National Commerce College
MBA - Finance
Oxford Engineering College
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