NITHEESH P HARIDAS
Banker
Thrissur,KL
Summary
Dedicated and results-driven Bank Manager with 10+ years of experience in the financial industry. Proven track record of exceeding sales targets, managing teams, and maintaining excellent customer relationships. Skilled in strategic planning, risk management, and implementing process improvements to drive efficiency and profitability. Committed to upholding compliance standards and fostering a positive work culture. Seeking to leverage expertise in driving business growth and delivering exceptional service for a reputable financial institution.
Overview
12
12
years of professional experience
Work History
Bank Manager-Asset Officer
IDBI BANK LTD
05.2024 - Current
- Reviewed and processed credit and loan applications according to best practices and law
- Developed and executed customized financial solutions ,resulting in 15 % increase in loan portfolio
- Conducted credit analysis and risk assessment on loan applications
- Reviewed financial statements and credit reports to determine creditworthiness
- Maintained accurate records and reports on loan processing and underwriting
- Managed asset related risk including credit risk,Market risk and Liquidity risk
- Conducted site visits and phone calls to negotiate payment plans of stressed assets
- Identified and pursued opportunities for debt recovery through various channels
- Developed and implemented recovery strategies to minimize losses
Bank Manager-Service Operation Manager
IDBI BANK LTD
07.2018 - 05.2024
- Provided optimal assistance to the Branch and Handled a variety of Tasks
- Ensuring compliances with banking regulations and policies
- Developed and implemented procedures to ensure the smooth and effective functioning
- Ensured audit compliances within the stipulated timeline
- Maintained physical cash limit within Cash retention limit of the branch
- Collaborated with cross -functional teams to drive business outcome
- Performed banking, Business administration and financial tasks to guarantee five-star service for clients
Bank Manager-Service Operation Manager
IDBI BANK LTD
06.2014 - 07.2018
- Handled incoming inquires from customers via telephone,face top face contact in a professional manner
- Maintained accurate records of client interactions in the accordance with the company policy
- Assisted customers in resolving complaints regarding products or services in a timely manner
- Ensured excellent post sale customer service to ensure customer delight to encourage further referrals for business growth.
- Managed a portfolio of 300+ clients and increased deposit by 25 % Yoy
- Successfully managed a team of 6 sale service executives and increased efficiency by 15 %
- Stay up to date on market trends and competitor activity ,Sharing insights with clients and colleagues
Junior Electrical Engineer
Bilt Middle East
01.2014 - 06.2014
- Assisted in the design and development of electrical systems for construction projects
- Coordinated with architects ,Engineers and contractors to ensure compliances with electrical cods and regulations
- Conducted site surveys and gathered data for electrical system planning and design
- Successfully assisted in the completion of 2 construction projects at Dubai
- Ensured compliance with safety protocols and quality control measures
- Troubleshooted electrical issues and provided technical sup[port to construction teams
BMS Engineer
Randstad
10.2012 - 06.2013
- Designed ,Installed and commissioned BMS systems for commercial and industrial building
- Conducted site surveys and assessed building automation needs '
- Provided training and support to building operators and owners ,ensuring successful adoption of BMS system
- Integrated BMS with other building systems such as Security,Lighting Etc
Education
Bachelor of Technology - Electronics And Communication Engineering
Vidya Academy of Science And Technology
06.2011
Skills
Expertise in Managing and Developing Customer Relationships
Ability to Work Under Pressure
Quick Learner
Operational Efficiency
Loan Processing
Effective Time Management
Knowledge of Online Banking and Financial Products
Follow the Process/ Procedure of the Bank and ensuring compliance to Rules & Regulations of the Bank
Critical thinking and problem solving
Languages
English
Intermediate (B1)
Malayalam
Bilingual or Proficient (C2)
Tamil
Intermediate (B1)
Hindi
Intermediate (B1)
Timeline
Bank Manager-Asset Officer
IDBI BANK LTD
05.2024 - Current
Bank Manager-Service Operation Manager
IDBI BANK LTD
07.2018 - 05.2024
Bank Manager-Service Operation Manager
IDBI BANK LTD
06.2014 - 07.2018
Junior Electrical Engineer
Bilt Middle East
01.2014 - 06.2014
BMS Engineer
Randstad
10.2012 - 06.2013
Bachelor of Technology - Electronics And Communication Engineering
Vidya Academy of Science And Technology