Nikhil Krishnan U K
Kottayam
Summary
Dedicated and results-driven banking professional with over 4.5 of experience in the financial industry. Proven expertise in areas such as customer service, relationship management,branch operation etc. with a strong focus on delivering exceptional client satisfaction. Adept at as financial analysis, regulatory compliance, or software proficiency. Known for maintaining a high level of accuracy and attention to detail in fast-paced environments.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Assistant Manager
Axis Bank Ltd
Ernakulam
05.2019 - 10.2023
- Proactively solved complex operational problems, positively impacting business direction
- Assessed department operations to prevent future risks and strengthen performance
- Helped senior management plan and carry out daily operations and meet key objectives
- Analyzed customer financial needs and recommended appropriate banking products.
- Processed loan applications, evaluated creditworthiness, and approved or denied loans.
- Resolved customer complaints in a timely manner.
- Performed daily reconciliation of cash deposits and withdrawals from branch teller operations.
- Conducted periodic audits to ensure that proper procedures were followed in handling customer funds.
- Prepared reports on branch activities for senior management review.
- Coordinated with other departments within the bank to meet customer needs.
- Provided value-added approach to meet customer personal financial needs by analyzing and profiling customers and cross-selling financial products.
- Performed regular reviews of customer accounts to ensure compliance with regulations.
Education
M.Com: Finance -
Devamatha College
01.2018
B.COM: Finance -
St.Thomas College
01.2016
Skills
- Cash Handling and Banking Operation
- Sales expertise in banking products CASA, Mutual Fund, Insurance and Loans
- Relationship Building
- Decision-Making
- Customer Service
- Operational Reporting
- Insurance Negotiation
- Attention to Detail
- CRM Tracking
- Business Development Expertise
- Investment Guidance
- Internal Controls and Reporting Systems
- Experience in Financial products like CASA, Life Insurance, Health Insurance, Mutual fund And Loans
Certification
- IRDA certification for Life insurance business, 17 Nov 2025
- NISM certification for mutual fund business, 12 Jul 2025
Accomplishments
- Certificate of appreciation for outstanding contribution on First Day First Show for NFO- Axis Multicap Fund 26 Nov 2021
- Certificate of appreciation for outstanding performance in Shubharambh Q1 FY23 - Family Fiesta JAS Season 2- PAN India South 1 Topper
- Certificate Of Appreciation for outstanding performance in LI- OSCAR March FY22
References
Mrs. Sumitha Abraham, Manager, Axis Bank Ltd Mob: 7907700683
Mrs. Minu George, Manager, Axis Bank Ltd Mob:8893261463
Timeline
Assistant Manager
Axis Bank Ltd
05.2019 - 10.2023
M.Com: Finance -
Devamatha College
B.COM: Finance -
St.Thomas College
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