MUTHUVIKNESH R

Worked as an Assistant Manager in HR Department ( Staff Loans)

• Evaluate credit worthiness of staff
• Process loan applications and documentation
• Determine all applicable rations and metrics and set up debt payment plans
• Answer staff's questions and provide information
• Justify decisions (approvals/rejections) and report on them
• Complete loan contracts and counsel staffs on policies and restrictions.
• Maintain an active knowledge base of all of the staff loan products.
• Maintain a positive working relationship with internal departments and external contacts.
• Review loan requests.
• Sanctioning of Staff loans.
• Set up payment plans.
• Maintain updated records of loan applications.
• Monitor progress of existing loans.
• Updating repayment schedule.
• Οperate in compliance with laws and regulations and adhere to lending compliance guidelines.
• Follow up with the branches for compliance report of staff loans.
• Issuing of NOC and monitoring staff accounts.

• Retained and grew portfolio of relationships by performing proactive, mobile and value-adding partnership role.
• Monitored, followed-up and escalated cases to meet customer response commitments.
• Reviewed and analyzed client support usage and formulated recommendations in collaboration with the branch teams.
• Supported the branch team in mining and analyzing customer data to identify and plan for expansion and additional business.
• Developed summaries to assess each client's participation level and determine targets for follow-up plans.
• Facilitated meetings and discussions between clients, sales and delivery teams.
• Worked with clients to address and respond to client and partnership management issues.
• Maintained and built close relationships with customers through regular contact and visits.
• Performing day to day branch activities using the CBS tool- TCS BANCS.
• Utilized CRM applications for recording and tracking client interactions.
• Facilitated meetings and discussions between client and branch as well as insurance agents team.
• Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
• Liaised with clients by phone, email and text messaging to meet client needs and define expectations.
• Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
• Participated in staff meetings to discuss innovative strategies to improve services.
• Analyzed customer data to identify areas of improvement and maximize customer satisfaction.
• Maintained knowledge on banking products and distribution to provide optimal service support.
• Monitored customer feedback and generated reports to identify areas of improvement.
• Participated in industry events and trade shows to promote products and services.
• Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
• Created and maintained databases to track customer discussions and preferences for accurate, updated records.
• Developed customer surveys to measure customer satisfaction and identify areas of improvement.
• Developed loyalty programs to reward and maintain customer retention.
• Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
• Built and maintained relationships with new and existing clients while providing high level of expertise.
• Created credit proposals by coordinating with the credit team using LAPS tool.
• Review loan requests
• Assess clients’ financial status
• Evaluate creditworthiness and risks
• Contact clients to gather financial data and documentation
• Follow up with clients about loan renewals
• Monitor progress of existing loans
• Generating new customers with the help of existing customers.
• Suggesting apt insurance products to the customers.

• Built and maintained relationships with new and existing clients while providing high level of expertise.
• Performing day to day branch branch activities using the CBS tool-TCS BANCS.
• Trained and supported new team members, maintaining culture of collaboration.
• Improved customer satisfaction by quickly and effectively addressing inquiries and complaints.
• Served as keyholder, overseeing business opening and closing operations.
• Managed customer relations through communication and helpful interactions.
• Served as liaison, facilitating communication between management and associates.
• Identified customer needs and wants to enhance customer experiences and boost sales.
• Greeted customers and offered assistance for increased customer satisfaction.
• Increased HNI customers by tapping the existing HNI customers of our branch.
• Developed and implemented strategies to increase customer satisfaction and engagement.
• Analyzed customer data to identify trends and anticipate customer needs.
• Maintained good relationships with branch star customers and increase their portfolio by suggesting various investment plans.