Sports
Parameshwar B S
Manager - Retail Assets
CHENNAI
Summary
An experienced Finance Professional with 8+ years of experience in Banking operations and Finance, team handling, Credit Management, Underwriting Corporate and Retail mortgage loans. Looking to obtain a challenging position in the field of banking or finance operations in a high-quality environment where my experience and academic skills will add value to the operations.
Overview
8
8
years of professional experience
6
6
years of post-secondary education
3
3
Certifications
Work History
Manager
HDFC Bank
06.2022 - Current
- Drove operational efficiency through data-driven decision-making processes, leveraging analytics tools for informed strategy development.
- Conducted competitive analysis to identify market trends and capitalize on emerging opportunities for growth in retail home loan sector
- Championed diversity and inclusion efforts within the workplace, resulting in an inclusive environment that fostered creativity and innovation among employees from various backgrounds.
- Achieved departmental goals by developing and executing strategic plans and performance metrics to meet the set business targets.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Underwriting retail home loans, evaluated income documents over 15 applications on a daily basis in line with the companies credit policies.
- Utilized financial analysis tools such as Perfios and leveraged reports derived from CIBIL , Probe 42 etc for precisely determining the eligibility and candidature of the applicants.
Assistant Manager
The Karur Vysya Bank Ltd
5 2021 - 05.2022
- Supervising and checking the authenticity of data entry made by the subordinates in terms of fixed deposits , TDS calculations and account transfers.
- Engaged in credit risk management that ensured reduced delinquencies and mitigated losses, improved operational efficiencies & cost controls that strengthened bottom-line.
- Applied strong credit skills to ensure the credit quality of existing & newly acquired relationships is maintained and in line with the Bank’s acceptable credit parameters.
- Expertise in managing audit compliance in branch and working in coordination with internal auditors in monitoring large transactions in bank.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Monitored cash intake and deposit records, increasing accuracy and reducing discrepancies.
Clerk
The Karur Vysya Bank Ltd
07.2016 - 04.2021
- Performed large no of fixed deposit transactions such as opening ,closing and renewal.
- Created organization systems for inventory control, merchandising, financial reports and schedules, dramatically increasing operational efficiency.
- Managed various accounting transactions and addressed client queries on checking savings accounts, deposits, loans, and lines of credit
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Executed wire transfers, stop payments and account transfers.
- Gathering and completing loan applications for underwriter evaluations
Education
MBA - Finance
Pondicherry University
Chennai 07.2017 - 05.2019
B.Com - General
D G Vaishnav College
Chennai 06.2013 - 05.2016
12th - Commerce
Maharashi Vidya Mandir
Chennai 06.2012 - 03.2013
10th - CBSE
Maharashi Vidya Mandir
Chennai 06.2010 - 04.2011
Skills
Communicator
Collaborator
Strategic planning
Banking Operations
Analytical
Front end customer service
Certification
KYC/AML
Interests
Movies
Music
Languages
English
Tamil
Malayalam
Timeline
Manager
HDFC Bank
06.2022 - Current
KYC/AML
01-2022
JAIIB
11-2019
BCSBI
11-2018
MBA - Finance
Pondicherry University
07.2017 - 05.2019
Clerk
The Karur Vysya Bank Ltd
07.2016 - 04.2021
B.Com - General
D G Vaishnav College
06.2013 - 05.2016
12th - Commerce
Maharashi Vidya Mandir
06.2012 - 03.2013
10th - CBSE
Maharashi Vidya Mandir
06.2010 - 04.2011
Assistant Manager
The Karur Vysya Bank Ltd
5 2021 - 05.2022
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