Nobby Joseph
Kochi
Summary
Seasoned Banking Professional with 20 years of experience in retail banking, credit monitoring and administration and debt consolidation. Expertise in regulatory compliance and relationship management, enhancing credit discipline and team performance.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Product Head- Debt Consolidation
South Indian Bank
Kochi
11.2025 - Current
- Looking after the newly launched Debt Consolidation product exclusively for the P-segment
- Promoted and trained personnel for the product and upskilling.
- Promoted the premium product to staff as a key marketing initiative.
- Coordinates marketing initiatives to elevate the product's visibility within the team and outside.
Senior Manager-Credit Monitoring
South Indian Bank
Palakkad
04.2019 - 10.2025
- Monitored SMA, NPA, and stock audits.
- Responsible for monitoring of DCCO
achievement, Identification of non co-operative borrowers - Recommended willful defaulters and monitored end use of funds to maintain credit discipline.
Education
MBA - Finance
St Berchmans College
Chanagnasherry06-2006
Skills
- Retail banking knowledge
- Risk management
- Regulatory compliance
- Staff development
- Leadership and team management
- Relationship building
- Effective communication
- Strong work ethic
Languages
English
Proficient (C2)
C2
Hindi
Elementary (A2)
A2
Malayalam
Native
Native
Previous Experience
- Eight years experince as Branch Head . Headed Branches in Delhi/NCR ,Ernakulam.
- Eleven years experince in retail banking.
- Dealt with retail loan products like Housing Loan, Vehicle Loan and Personal Loan
- Three years experince in Audit and Credit Adminsitartion functions
Certification
JAIIB (IIBF)
Timeline
Product Head- Debt Consolidation
South Indian Bank
11.2025 - Current
Senior Manager-Credit Monitoring
South Indian Bank
04.2019 - 10.2025
MBA - Finance
St Berchmans College