Muthukumar K
Madurai,TN
Summary
Professional with strong background in leadership and strategic oversight. Skilled in team collaboration and driving results. Adept at navigating changing needs and ensuring operational excellence. Known for reliability, adaptability, and effective communication. Equipped to lead high-performing teams and deliver impactful outcomes in fast-paced environment.
Overview
24
24
years of professional experience
Work History
Cluster Head
Bandhan Bank
01.2023 - Current
- Achievement of Cluster’s Targets in CA, SA, TD, Assets and third party products through the BHs and other resource.
- Complete in charge for the Cluster’s / Branches’ profitability and achievement of revenue targets of the Cluster / Branches.
- Responsible for achievement liability, assets and fee budgets of the Cluster.
- Ensuring strict compliance to internal, external and regularity guidelines, norms and advisories.
- In charge for the Audit rating of the Branches and ensure all the Branches are getting good audit ratings in IAD audit.
- Expanding the Branch networks – Implementation of Branch expansion plan of the Bank.
- Improvement of resources productivity of the Branches and ensuring minimum 70% resources are completing their resources productivity budgets every month.
- Taking care of learning and development part of all the employees.
- Having greater control of attrition part and ensuring employing are staying in the organization for longer Period.
Cluster Head
Axis Bank Ltd.
04.2017 - 01.2023
- Complete owner for the liability and assets business of Cluster Branches.
- Responsible for achievement liability, assets and fee budgets of the Cluster.
- # Leading & implementing the Cluster Business Plan through a team of Branch Heads for profitable revenue & business growth.
- Monitoring resources - Operation, Sales & Relationship Managers Channel for business acquisition & achievement of budgets.
- Driving acquisition and revenue growth, execution of business growth strategy for the Cluster, instrumental in:
- Improvement of market share in the catchment based on market scoping exercise.
- Enhancement of PPC (Product Per Customer) of the Cluster and ensuring achievement of assigned targets.
- Handling Key Accounts – Major clients of the branches, while ensuring Operations Excellence and Customers Experience to improve the wallet share of the customers.
- Monitoring & ensuring that all the branches in the Cluster follow all internal, external and regulatory guidelines meticulously.
- Responsible for employee retention, recruitment and training.
Branch Head
Axis Bank Ltd.
04.2010 - 03.2017
- Effectively managed CASA book size worth Rs. 195 Crore, deepened existing portfolio, retail liability and cross-selling of wealth products.
- Directed Segmental Business Growth in Retail Liability - Priority Banking, Trust Business, Govt. / NRI Business and Affluent Segments.
- Successfully met entire branch and portfolio targets, enhanced branch profitability by promoting new products & services.
- Ensured adherence to AML & KYC norms & regulations at the time of opening of accounts and during the life span of the accounts.
- Pivotal in achieving Branch Budgets in various Retail Lending, Personal Investment, SME and Rural Lending Products.
- Achieved Branch Budgets in NTB NOA and MDAB Value, as well as Budgets in Retail Forex and Transaction Banking.
Branch Operations Head
Axis Bank Ltd.
05.2009 - 04.2010
- Administered the entire gamut branch operations spanning from cash management, inward / outward clearing to finalization of books.
- Monitored large value of cash / high value transactions in accounts for anti-money laundering purpose and reporting as per guidelines.
- Oversaw onsite & offsite ATM/CDM management, general management - initiating and implementing bank’s reengineering projects.
- Approved new clients through due diligence procedures including review of KYC documentation, record research and AML procedures.
- Conducted Due Diligence inquiries on individuals, firms and organizations suspected of money laundering crimes and terrorist financing crimes, utilized research & analysis of public records, commercial databases, global media sources and the internet.
Branch Sales Manager
Axis Bank Ltd.
04.2008 - 03.2009
- Drove revenue growth with focus on top-line & bottom-line performance, led efforts for achievement of the CASA NTB NOA and Value Budget, Segmental Budgets in Retail Liability & Current Account Business & Sales Team's Budget on cross-selling - IPG Income and Retail Asset Products.
- Monitored & ensured that KYC norms are being meticulously followed at the time on-boarding of new clients.
- Maintained Control on NFTR (Not First Time Right) in account opening, true value and expected quality in newly opened accounts.
- Played a pivotal role in increasing the PPCs with the NTB customers sourced in FY.
- Ensured all the BDEs (Business Development Executives) are getting qualified for incentive every month.
Deputy Manager - Operations
Axis Bank
01.2006 - 03.2008
- Managed Front Desk and overseen customer engagement, Transfer and Clearing Transactions.
- Benchmarked targets in various business parameters – CASA NOA, value and cross selling of LI, GI, MF, AD, Assets, and other products.
- Responsible for complaint free customer service in the front desk; oversaw Gold Loan business and ATMs loading and reconciliation.
- Distinction of being the Joint custodian for cash.
Deputy Manager - Credit Operations
Axis Bank Ltd.
01.2006 - 03.2007
- Facilitated submission of various control returns to Zonal Office / Central Office.
- Directed Credit Appraisal, documentation, inspection and follow-up with the SME, Mid-Corporate and Trade Finance Customers.
- Improved branch productivity, efficient delivery of services by streamlining operations, conducting surprise audit checks, identifying & mitigating risks.
- Led initiatives for credit control and planning, recovery strategies in case of payment default thereby reducing NPAs.
- Monitored compliance to pre-disbursement, post disbursement and documentation formalities as per Bank's Guidelines.
Assistant Manager
Bharat Overseas Bank Ltd.,
06.2000 - 01.2006
- Joined as Clerical Staff through Campus interview and got promoted to AM Grade on April 2024.
- Worked in Branch Banking, Legal & Recovery Department, Integrated Risk Management Department & Banking Operating Department.
Education
Certified Anti Money Laundering Professional - Anti Money Laundering
ACAMS
USA12-2021
CAIIB - Banking And Finance
Indian Institute of Banking & Finance
Mumbai, India04-2009
Master of Finance & Control - Accounting And Finance
Madurai Kamaraj University
Madurai04-2000
Skills
- Cluster / Circle / Region Administration
- Sales / Business Development / Expansion
- Internal & Regulatory Compliances/Audits
- KYC & AML
- Channel /Distribution Management
- New Branch/Unit Set-Ups
- Cross-functional team coordination
- Top Line & Bottom Line Growth
- Organizational development
- Clients/ Key Account Management
- Process Improvement/ reengineering
- Maximization of resource productivity
Timeline
Cluster Head
Bandhan Bank
01.2023 - Current
Cluster Head
Axis Bank Ltd.
04.2017 - 01.2023
Branch Head
Axis Bank Ltd.
04.2010 - 03.2017
Branch Operations Head
Axis Bank Ltd.
05.2009 - 04.2010
Branch Sales Manager
Axis Bank Ltd.
04.2008 - 03.2009
Deputy Manager - Operations
Axis Bank
01.2006 - 03.2008
Deputy Manager - Credit Operations
Axis Bank Ltd.
01.2006 - 03.2007
Assistant Manager
Bharat Overseas Bank Ltd.,
06.2000 - 01.2006
Certified Anti Money Laundering Professional - Anti Money Laundering
ACAMS
CAIIB - Banking And Finance
Indian Institute of Banking & Finance
Master of Finance & Control - Accounting And Finance
Madurai Kamaraj University
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