Manojkumar Annamalai
Retail Asset Banking
Puducherry
Summary
Talented bank executive Successful at Developing New Business, Improving Profitability and building successful team.
Overview
10
10
years of professional experience
1
1
Language
Work History
Branch Operation Manager
Aditya Birla Capital Limited
04.2024 - Current
- Maintained scheduling for main branch to keep shifts ppropriately staffed.
- Conducted regular audits to ensure adherence to internal controls, preventing potential fraud or mismanagement incidents.
- Improved branch efficiency by streamlining operational processes and implementing best practices.
- Developed strong relationships with clients to foster loyalty and new business referrals.
- Processed disbursements for personal, home, LAP, Business loans, Doctor Loan handling over 500 loan files monthly with 98% accuracy.
- Audited and rectified loan documentation, reducing rejection rates by 25% through proactive checks. Monitored deviations and ensured proper authorization, maintaining 100% compliance with internal policies.
- Collected pre-disbursement documents (PDCs, NACH mandates), and completed disbursements within defined TAT.
- Post-Disbursement and MIS. and Collected and updated Post-Disbursement Documents (PDDs) in the system, maintaining a 99% compliance rate.
- Dispatched signed loan agreements to the Head Office within the SLA, ensuring 100% accuracy.
- Published monthly MIS reports, and conducted productivity analysis to support strategic decisions.
- Conducted monthly training for sales teams, improving First Time Right (FTR) submissions by 30%.
- Digital Servicing & ABCL Process Support.
- Promoted digital servicing via ABCL Digital Services, increasing digital adoption by 40%.
- Delivered customer support for Paytm, Byjus, Money View, and KreditBee, resolving loan closure and repayment queries with a 95% resolution rate.
- Handled loan closure formalities, NOC issuance, and MODT clearance with zero audit observations.
Assistant Manager ||
Equitas Small Finance Bank
05.2022 - 03.2024
- Branch Complains Services Quality- (BCSQ)
- Monitoring and Tracking the SR Maintenance and MIS Published on across Pan India Level
- Preparing HO Liabilities and Asset on Daily Basis for Knowing the SR’s Closed and Pending Status for Those SR’
- Preparing Complaint SR Pending report in Both HO Liabilities and Asset, Branch
- Handling the Nodal Complaint and escalation Matrix
- Quality Check with all Closure of SR Through WIZARD and Flax Cube
- Quality Check with Branch Level Committee Service, In case of queries will inform Branch to rectify the Same
- Analyst the new process and Downgrade to the Branch Level Committee Services
Assistant Manager - Operation Manager (GL & TWL)
Axis Bank LTD
02.2021 - 05.2022
- Gold Loan
- Accompany with appraiser in evaluating Gold and Evaluate loan application and recommend for approval
- Disbursement of Gold Loan through Caslite Application for ETB & NTB Cases by verifying KYC / NSDL / Finacle/ CIBIL
- Follow up with customer for renewal cases and Follow up with customer for overdue clearance
- Servicing of Gold Loan Customer(Closure , Renewal & Part payment) & Handling gold loan Queries
- Maintaining the Concurrent Audit Files, Delinquent Cases and Entire Files Dispatch to RAMG through TRACE
- Auction Cases with the documenting the registers along with MIS activity
- Two Wheeler Loan
- Additionally done disbursement data entry for two wheeler loan where application got sanctioned
- Disbursement of Two Wheeler through WATS Application by Verifying KYC / Vehicle Details / Dealer Details
- Process through Flnone- CAS and Move to Quality Check from Post Document Disbursement
- Entire Files Dispatch to RAMG through TRACE
Senior Executive (CPA Operation)
Team Lease Service Pvt LTD
04.2019 - 02.2021
- Home Loan- Disbursement
- Preparing LTV sheets for all Mortgage Cases and forwarding the same for further process
- Ensure to process the disbursement files within stipulated TAT
- Disbursement of Home Loan through CAS Application for ETB & NTB Cases by verifying KYC / NSDL / Finacle/ CIBIL / CAM
- Disbursement Tracking Done through SHIKHAR Application
- In case of queries will inform relationship officer to rectify the Same
- Handled partial disbursement of mortgage cases on basis of demand of customer/ Builder & technical verification of property
- Home Loan - Post Disbursal Documents (PDD)
- Maintains PDD / DD / OTC / Registration MIS by Co-ordinating Builder and Sales team
- Co ordinating with Vendor team for Collecting original Documents from SRO and Maintains the vendor Bills
- Co-ordinating with Builder (Tripartite Agreement) & Customers (TNHB) for Original documents and stage Completion
- Auditing all the original mortgage documents (File & Docket i.e post disbursal Documents) and sending files to CPC
- Tracking internal balance transfer and rebooking case documents and the same will be dispatched to CPC post completion of new loan.
Junior Executive (CPA Operation)
Axis Securities Pvt LTD
06.2016 - 03.2019
- Personal Loan
- Disbursement of Personal Loan through CAS Application for ETB & NTB Cases by verifying KYC/NSDL/CIBIL
- Process through Flnone- CAS and Move to Quality Check from Post Document Disbursement
- Monitoring Decline Cases and Internal Closures Cases
- Auto Loan & Education Loan
- Disbursement of Loan through CAS Application for ETB & NTB Cases by verifying KYC/NSDL/CIBIL
- Process through Flnone -CAS and Move to Quality Check from Post Document Disbursement
- Verifying the Documents of RC / Insurance / Technical Report / BO from College / Fees Structure
- Customer Services
- Handled the Customer request part payment / Closure / ECS Change
- Handled Original Documents handover process to Customer / POA with KYC Verification
- Acknowledged the receipt of original documents which got dispatched from CPC post loan closure
- Co ordinated with Vendor for MOD Cancellation and Maintaining same in MIS
- Tracking of MOD Cancellation documents- Handover Status
Education
BACHELOR OF ENGINEERING - Electronics & Communication
Anna University
01-2014
Higher Secondary - undefined
St.Ann's Boys Higher Secondary School
01-2010
SSLC - undefined
Govt High School
01-2008
Skills
Power BI, MS Office Excel
Microsoft Word
Microsoft Powerpoint
Learning VBA Macros
Timeline
Branch Operation Manager
Aditya Birla Capital Limited
04.2024 - Current
Assistant Manager ||
Equitas Small Finance Bank
05.2022 - 03.2024
Assistant Manager - Operation Manager (GL & TWL)
Axis Bank LTD
02.2021 - 05.2022
Senior Executive (CPA Operation)
Team Lease Service Pvt LTD
04.2019 - 02.2021
Junior Executive (CPA Operation)
Axis Securities Pvt LTD
06.2016 - 03.2019
Higher Secondary - undefined
St.Ann's Boys Higher Secondary School
SSLC - undefined
Govt High School
BACHELOR OF ENGINEERING - Electronics & Communication
Anna University