Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic
M. Kalathinathan

M. Kalathinathan

Chennai

Summary

Expert in driving organizational growth within dynamic banking environments through building employee value, actionable solutions, and strategic goal achievement. Experienced banker with over 15 years of experience in Banking, expertise in generating qualifying leads for Commercial Banking Products, Retail Products, and Portfolio Management. Proven track record in managing product P&L, exceeding sales targets, and fostering strong client relationships to drive revenue growth, people management, sales activation, relationship building, and networking.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Assistant Vice President 2

Equitas Small Finance Bank
Chennai
12.2023 - Current
  • Managing a cluster of 20 branches in the Chennai and Pondicherry cluster, and a team of 6 SMs and SOs, while handholding the team from sourcing to disbursement.
  • Responsible for the new business acquisition of commercial banking products, such as OD, CC, term loans, and other structured SME products, as well as handling the existing portfolio.
  • Responsible for the financial health of the portfolio by managing collections effectively. Played a key role in developing SME in the region.
  • Guiding team members in the daily process, generating MIS for the team, and facilitating the team in sourcing and grounding of loan proposals.
  • Conducted regular performance reviews, provided coaching and training to the team, and fostered improvement.
  • Managed setting and achieving sales targets month on month.
  • Created and maintained a positive working environment through effective leadership practices.
  • Ensuring timely disbursement and sanctioning of loans by coordinating with the CAD team, and ensuring the creation of MODs for all secured loans.
  • Monitoring of disbursed accounts for repayment, post-disbursement follow-up, deferrals, etc.
  • Cross-selling of retail asset products like HL, car loans, etc., and GI, LI, FD, and CASA.

Chief Manager: SBB Working Capital Loans

IndusInd Ltd.
Chennai
10.2021 - 12.2023
  • Managed a cluster of 6 branches in Chennai for sourcing working capital loans.
  • Acquired new-to-bank clients for Working Capital Loans from branches, DSA, and individuals.
  • Coordinated with branch managers and relationship managers for lead generation and loan acquisition.
  • Monitored disbursed accounts and followed up on renewals to maintain portfolio health.
  • Collaborated with credit teams for query resolution, sanctions, and vendor management.
  • Ensured timely loan disbursement through effective coordination with CAD.
  • Conducted follow-ups with customers to facilitate MOD creation and insurance collection.
  • Cross-sold additional financial products including general insurance, life insurance, savings accounts, and fixed deposits.

Senior Manager - EEG

HDFC Bank Ltd.
Chennai
12.2020 - 10.2021
  • Managed sourcing of working capital loans across 18 branches in Chennai cluster.
  • Oversaw team of relationship executives in branch operations and loan processing.
  • Cultivated strong relationships with 110 SME customers, facilitating loan renewals and enhancements.
  • Acquired new business opportunities for working capital loans through strategic sourcing.
  • Coordinated lead generation, MIS preparation, and activation of EEG products with branch teams.
  • Collaborated with RMs and BMs to visit potential clients and secure new business.
  • Monitored renewal and enhancement processes for existing OD and CC accounts.
  • Followed up with clients for collection of deferrals and stock statements.

Relationship Manager (SME Working Capital) - Commercial Banking Group

Karur Vysya Bank Ltd.
Chennai
08.2010 - 12.2020
  • Managed branch operations from 2010 to 2011.
  • Oversaw retail asset products, including home loans and car loans, from sourcing to disbursement from 2011 to 2014.
  • Served as RO Coordinator for Chennai division, managing 15 branches since 2014.
  • Acquired new-to-bank customers for CBG products, including OD, CC, TL, SRTO (commercial Vehicle) loans for the division. the
  • Handled credit files throughout entire process from sourcing to disbursement.
  • Monitored disbursed accounts to ensure compliance and managed collections.

Head-HR & Administration

Women & Child Foundation
Chennai
06.2008 - 08.2010

Sales Supervisor

Dalmia Cement Bharat Limited
Chennai
08.2007 - 04.2008

Education

MBA - Marketing & Finance

Velammal College of Management & Computer Studies
Chennai
01.2007

BBA -

Jawahar Science College
Neyveli
01.2005

Skills

  • Effective communication
  • Team collaboration
  • Innovative thinking
  • Analytical skills
  • Relationship management
  • Problem-solving and decision-making
  • Team building and coaching

Certification

  • Ethics in Banking, 2020, IIBF
  • Complete Financial Analyst Course, 2020, Udemy
  • IRDA, 2023
  • KYC & AML, 2019, Manipal Global Education
  • Digital Banking, 2018, IIBF

Languages

Tamil
First Language
English
Proficient (C2)
C2

Timeline

Assistant Vice President 2

Equitas Small Finance Bank
12.2023 - Current

Chief Manager: SBB Working Capital Loans

IndusInd Ltd.
10.2021 - 12.2023

Senior Manager - EEG

HDFC Bank Ltd.
12.2020 - 10.2021

Relationship Manager (SME Working Capital) - Commercial Banking Group

Karur Vysya Bank Ltd.
08.2010 - 12.2020

Head-HR & Administration

Women & Child Foundation
06.2008 - 08.2010

Sales Supervisor

Dalmia Cement Bharat Limited
08.2007 - 04.2008

MBA - Marketing & Finance

Velammal College of Management & Computer Studies

BBA -

Jawahar Science College

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M. Kalathinathan