NAVEEN KUMAR G R
Bangalore
Summary
Banking professional with extensive experience at Axis Bank, specializing in credit assessment and operations management. Demonstrated ability to optimize workflows and enhance efficiency while ensuring regulatory compliance. Expertise in training and mentoring teams, driving performance, and resolving escalated cases to maintain high customer satisfaction.
Overview
6
6
years of professional experience
Work History
Assistant Manager
Axis Bank
Bengaluru
11.2022 - Current
- Leading and managing a team of 34 credit card operations executives, ensuring timely and accurate processing of customer applications.
- Overseeing end-to-end credit card operations, including KYC verification, income document validation, and credit score assessment for decision-making.
- Maintaining compliance with regulatory and internal guidelines, reducing processing errors and improving audit readiness.
- Coordinating with internal departments (Risk, Compliance, Sales) to streamline operations and ensure seamless customer onboarding.
- Implementing daily performance tracking, ensuring all team members meet productivity targets.
- Played a key role in optimizing processing workflows, resulting in reduced turnaround time and enhanced operational efficiency.
- Handling escalated cases and providing resolution within defined TAT, maintaining high customer satisfaction.
- Training and mentoring new joiners and existing staff to align with banking protocols and quality standards
Executive Operation (Grade –E2)
TeamLease deputed by AXIS
Sahakar Nagar
04.2019 - 11.2022
- Checking and accepting the sourced as per Bank policies
- Performing data entry in Finone (CAS)
- Handling / coordinating Field Investigation (FI) and Risk control Unit
- Generating and checking Credit Information Bureau India Limited(CIBIL) Report
- Verifying the customer track record and ascertain their credit worthiness
- Preparation of Credit Appraisal Memo (CAM)
- Calculating eligibility and checking Fixed Obligation Income Ratio (FOIR)
- Interacting with customer through telephone for analyzing queries, loan enquiries and to know the business setup and endues of the loan
- Evaluate customer records based on earnings, saving data, payment history
- Recommend the file for decision making (credit manager) based on policy norms within the permitted TAT.
- Handling APF.
- Initiating Technical and Legal and getting report generated by different vendors within given TAT.
- Evaluate Technical and Legal reports sent by vendors.
- Doing Technical and Legal Sanction in Shikhar.
- Tracing Technical and Legal Document of old Sanctioned Files.
- Uploading APF related Document in Pragathi.
- Department: Mortgage Department
Education
Retail Credit Management -
National Institute of Bank Management
Pune02-2024
Bachelor of Commerce -
Bangalore University
Bangalore01.2017
Skills
- Banking software – Finnone, LOS, Saksham, CAS, Shikhar, Trace, Unidesk, Pragathi, Finacle, FESA, Newgen Omni, IBPS
- Credit assessment
- Performance management
- Workflow optimization
- Operations management
- Regulatory compliance
- Training and mentoring
Accomplishments
- Achieved 100% files Processing within TAT
- Best Employee of the Month Award-NOV 2019
- Promoted from Off-Roll to On-Roll Employee at Axis Bank in recognition of consistent high performance and significant contributions across operations in Mortgage, Personal Loan, Auto Loan, Legal & Technical assessments, and APF (Approved Project finance).
Disclaimer
I hereby declare that the above written particulars are true to the best of my knowledge and behalf. Place: Bangalore NAVEEN KUMAR G R
Strengths
Smart Work, Teamwork, Self Confidence and Self-Learner.
Details
- Date of Birth: 25st JAN 1996
- Marital Status: Single
- Sex: Male
- Nationality: Indian
Timeline
Assistant Manager
Axis Bank
11.2022 - Current
Executive Operation (Grade –E2)
TeamLease deputed by AXIS
04.2019 - 11.2022
Retail Credit Management -
National Institute of Bank Management
Bachelor of Commerce -
Bangalore University
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