Mallikarjungouda Bharamagoudra
Cluster Officer
Hubli,KA
Summary
Experienced banking professional with over 10 years of comprehensive expertise in credit assessment, branch and cluster operations, customer relationship management, and financial product marketing. Proficient in loan processing, risk evaluation, audit compliance, and team leadership, with a proven track record of improving branch profitability, reducing delinquency, and driving operational excellence in regulated banking environments.
Overview
3
3
Languages
10
10
years of professional experience
Work History
Cluster Officer
Suco Souhard Sahakari Bank Ltd
05.2024 - Current
- Scrutinized loan proposals up to 10 lakh falling under cluster-level sanction limits, ensuring proper eligibility and risk assessment
- Evaluated proposals for approval or rejection based on creditworthiness, repayment capacity, and bank guidelines
- Ensured adherence to sanction norms, lending policies, and RBI regulations during decision-making
- Guided branches on proper loan documentation, ensuring completeness, accuracy, and compliance
- Verified KYC, income proofs, and collateral documents before sanction and disbursement
- Conducted field inspections at customer residence/business locations to validate authenticity and assess loan quality
- Assessed property details and collateral security to ensure adequate coverage and minimize risk
- Strengthened credit quality by identifying discrepancies and preventing potential NPAs
- Supervised and monitored performance of multiple branches within the assigned cluster to achieve business targets and operational efficiency
- Drove business development by guiding branches in mobilizing deposits, advances, and cross-selling bank products
- Reviewed branch performance reports, identified gaps, and implemented corrective action plans
- Ensured compliance with RBI guidelines, internal policies, and audit requirements across all branches
- Conducted regular branch visits to review operations, customer service, and portfolio quality
- Monitored credit portfolios including Retail, and Non-Retail loans to maintain asset quality and control NPAs
- Coordinated with branch managers for target achievement, recovery performance, and business growth strategies
- Supported loan approvals and credit monitoring at cluster level for quality decision-making
- Followed up on overdue/NPA accounts and ensured effective recovery actions including SARFAESI proceedings
- Facilitated staff guidance, training, and performance improvement across branches
- Ensured timely completion of KYC, documentation, and regulatory compliance tasks
- Acted as a communication link between Head Office and branches for smooth implementation of policies
Credit Officer
Suco Souhard Sahakari Bank Ltd
08.2022 - 05.2024
- Conducted credit appraisal of Retail, and Non Retail loan proposals by analyzing financial statements, income proof, and repayment capacity
- Evaluated creditworthiness through CIBIL reports, banking history, and risk assessment techniques
- Prepared detailed Credit Appraisal Notes (CAN) and recommended proposals for sanction
- Ensured compliance with KYC norms, RBI guidelines, and internal credit policies
- Verified collateral securities, legal opinions, and technical valuation reports
- Coordinated with branch managers, legal teams, and higher authorities for smooth loan processing
- Monitored loan portfolio performance and identified early warning signals in stressed accounts
- Followed up on overdue and NPA accounts, supporting recovery actions including SARFAESI proceedings
- Maintained proper documentation and ensured accuracy in loan files and audit compliance
- Assisted in achieving business targets while maintaining asset quality
Assistant Manager Operations
Muthoot Finance Limited
08.2020 - 08.2022
- Managed end-to-end branch operations, ensuring smooth daily functioning and high service standards
- Processed and disbursed gold loans after accurate appraisal of gold ornaments (purity, weight, and valuation)
- Ensured compliance with RBI guidelines, KYC norms, and internal audit requirements
- Achieved business targets through customer acquisition, relationship management, and cross-selling of financial products
- Handled customer queries and grievance resolution, enhancing customer satisfaction and retention
- Monitored loan accounts for timely interest collection and recovery, reducing NPAs
- Assisted in auction procedures for overdue loan accounts as per company policy
- Maintained proper documentation, records, and MIS reports for audit and review
- Supported Branch Manager in team supervision, training, and performance monitoring
- Ensured safe custody of pledged gold and adherence to security protocols
Assistant Manager
Bandhan Bank Limited
09.2019 - 06.2020
- Build and maintain strong relationships with customers by understanding their financial needs and providing suitable banking solutions
- Handle customer queries, complaints, and service requests efficiently while ensuring high customer satisfaction and quick resolution within TAT
- Acquire new customers by promoting bank products such as savings accounts, loans, insurance, and other financial services
- Drive sales through cross-selling and up-selling of banking products to existing and potential customers
- Ensure proper onboarding of customers with complete documentation and compliance with KYC and AML guidelines
- Maintain customer portfolio and identify opportunities for business growth based on market trends and customer behaviour
- Provide personalized financial advice and support customers throughout their lifecycle with the bank
- Collect customer feedback and coordinate with internal teams to improve service quality and customer experience
- Meet assigned business targets and contribute to branch profitability and financial inclusion initiatives
Branch Manager
Kittur Rani Channamma Urban Credit Souhard Sahakari Ltd.
04.2016 - 09.2019
- Managed overall branch operations including deposits, lending, and customer service
- Handled loan appraisal, sanction, and documentation as per policy guidelines
- Monitored recovery and controlled NPAs through regular follow-ups
- Ensured compliance with KYC, audit, and regulatory requirements
- Led branch team to achieve business targets and improve productivity
- Developed customer relationships and expanded member base
- Prepared MIS reports and maintained proper records/documentation
Education
DCBM - Co-Operation and Banking Management
Karnataka State Souhard Federal Co Operative Ltd
Bangalore01-2024
MBA - undefined
Bapuji Institute of Engineering and Technology
Davanagere01-2013
BBA - undefined
Adept Business College
Dharwad01-2011
XII std - undefined
Lions Independent PU College
Naragund01-2007
SSLC - undefined
Govt High School
Banahatti01-2005
Skills
Credit Appraisal & Risk Analysis
Loan Processing & Documentation
Branch & Cluster Operations Management
Customer Relationship Management
Regulatory Compliance & Audit Coordination
Team Leadership and Staff Development
Financial Product Marketing
Data Analysis and Reporting
MS Office, Internet Tools
Proficient in MS Office Suite (Excel, Word, PowerPoint, Outlook)
Familiar with banking-related software
Knowledge of Internet tools for communication and research
Accomplishments
- Star Award for the Year 2022-23 at Suco Bank for outstanding performance.
- Best Recovery Branch recognition at Kittur Rani Channamma Urban Credit Souhard Sahakari Ltd.
Timeline
Cluster Officer
Suco Souhard Sahakari Bank Ltd
05.2024 - Current
Credit Officer
Suco Souhard Sahakari Bank Ltd
08.2022 - 05.2024
Assistant Manager Operations
Muthoot Finance Limited
08.2020 - 08.2022
Assistant Manager
Bandhan Bank Limited
09.2019 - 06.2020
Branch Manager
Kittur Rani Channamma Urban Credit Souhard Sahakari Ltd.
04.2016 - 09.2019
SSLC - undefined
Govt High School
XII std - undefined
Lions Independent PU College
BBA - undefined
Adept Business College
MBA - undefined
Bapuji Institute of Engineering and Technology
DCBM - Co-Operation and Banking Management
Karnataka State Souhard Federal Co Operative Ltd
Personal Details
Name: Mallikarjungouda Bharamagoudra
Date of Birth: 3rd April 1989
Gender: Male
Marital Status: Married
Language Proficiency: Kannada, English, Hindi.
Present Address: C/O M G Gulagannavar. #554, Panchakshari Nagar, Navanagar, Hubli-580020
Declaration
I hereby declare that all the information contained in this form is correct according to the best of my knowledge.
Place: HUBLI
Date: Mallikarjungouda Bharamagoudra