Prabu N

• Managed operations across 33 branches in 9 districts of South Tamil Nadu, ensuring business growth and compliance.
• Led and mentored a team of 4 Cluster Managers and 24 Relationship Managers/Loan Officers to achieve sales and portfolio targets.
• Oversaw an asset book size of ₹40 Cr, ensuring portfolio health through risk mitigation strategies.
• Conducted training programs, performance reviews, and motivation sessions to drive sales and operational efficiency.
• Ensured compliance with banking policies and regulatory guidelines, reducing delinquency and improving credit quality.

Key Achievements:

• Awarded "Top Performer – Rural Ka Champion 2023–24 @Goa" for outstanding contributions in the rural banking segment.

• First PAN-India High-Value Deal Executed, setting a benchmark across the organization in Agriculture Banking Vertical.

• Contributed Strategic Product Ideas that were adopted as key parameters to enhance overall business performance.

• Consistently Rated as a Top Performer for two consecutive years, reflecting strong execution, customer focus, and leadership.

• Managed 16 branches across Tiruppur & Coimbatore districts, driving sales and portfolio growth.
• Led a team of 8 Sales Managers and 16 Sales/Service Executives, ensuring target achievement and operational efficiency.
• Handled an asset book size of ₹309 Cr, maintaining a strong portfolio with minimal NPAs.
• Developed sales strategies, business partnerships, and lead generation through farmer outreach programs.
• Conducted credit assessments and risk evaluations for loan approvals, ensuring quality underwriting.
• Coordinated with credit and operations teams to streamline loan disbursements and enhance customer satisfaction.

Ø Managed a ₹80 Cr loan portfolio across 98 customers, handling Agri Cash Credit (CC), Drop Line Overdraft (DOD), and Term Loans.

Ø Handled end-to-end sales, credit appraisal, documentation, disbursement, and collections.

Ø Cross-sold banking products: CASA, FDs, RDs, Insurances, personal/mortgage loans, LAP, and credit cards .

Ø Conducted thorough field visits and income assessments (including informal/agricultural income), ensuring accurate profiling and risk evaluation.

Ø Liaised with credit, legal, and risk teams for smooth processing and sanctioning.

Ø Executed timely renewals (CAMs), monitored portfolio quality, and proactively managed NPAs/delinquencies.

Ø Geographical coverage: Udumalpet, Pollachi, Palani, Dharapuram, Palladam, and Coimbatore.

Key Achievements:

· Top performance ratings every year during the tenure.

· Promoted from Assistant Manager to Deputy Manager in 2019, and from Deputy Manager to Manager in 2022.

· Rated as an “Exceptional Contributor” for 3 consecutive years.

· Honored with “Key Performer” recognition in 2022.

· Spearheaded recovery drives and borrower education initiatives, significantly improving collection efficiency and customer engagement.

Work History

Area Manager – Agriculture Banking (AVP), 10/2023 - Current

Ujjivan Small Finance Bank

Ø Managed operations across 33 branches in 9 districts of South Tamil Nadu, ensuring business growth and compliance.

Ø Led and mentored a team of 4 Cluster Managers and 24 Relationship Managers/Loan Officers to achieve sales and portfolio targets.

Ø Oversaw an asset book size of ₹50 Cr, ensuring portfolio health through risk mitigation strategies.

Ø Conducted training programs, performance reviews, and motivation sessions to drive sales and operational efficiency.

Ø Ensured compliance with banking policies and regulatory guidelines, reducing delinquency and improving credit quality.

Key Achievements:

• Awarded "Top Performer – Rural Ka Champion 2023–24 @Goa" for outstanding contributions in the rural banking segment.

• First PAN-India High-Value Deal Executed, setting a benchmark across the organization in Agriculture Banking Vertical.

• Contributed Strategic Product Ideas that were adopted as key parameters to enhance overall business performance.

• Consistently Rated as a Top Performer for two consecutive years, reflecting strong execution, customer focus, and leadership.

Area Sales Manager, 11/2022 - 10/2023

Axis Bank

Ø Managed 16 branches across Tiruppur & Coimbatore districts, driving sales and portfolio growth.

Ø Led a team of 8 Sales Managers and 16 Sales/Service Executives, ensuring target achievement and operational efficiency.

Ø Handled an asset book size of ₹309 Cr, maintaining a strong portfolio with minimal NPAs.

Ø Developed sales strategies, business partnerships, and lead generation through farmer outreach programs.

Ø Conducted credit assessments and risk evaluations for loan approvals, ensuring quality underwriting.

Ø Coordinated with credit and operations teams to streamline loan disbursements and enhance customer satisfaction.

Relationship Manager – Retail Agri (KGC Loans) | Feb 2017 – Nov 2022
HDFC Bank Ltd., Coimbatore Region (Udumalpet Branch)

Ø Managed a ₹80 Cr loan portfolio across 98 customers, handling Agri Cash Credit (CC), Drop Line Overdraft (DOD), and Term Loans.

Ø Handled end-to-end sales, credit appraisal, documentation, disbursement, and collections.

Ø Cross-sold banking products: CASA, FDs, RDs, Insurances, personal/mortgage loans, LAP, and credit cards .

Ø Conducted thorough field visits and income assessments (including informal/agricultural income), ensuring accurate profiling and risk evaluation.

Ø Liaised with credit, legal, and risk teams for smooth processing and sanctioning.

Ø Executed timely renewals (CAMs), monitored portfolio quality, and proactively managed NPAs/delinquencies.

Ø Geographical coverage: Udumalpet, Pollachi, Palani, Dharapuram, Palladam, and Coimbatore.

Key Achievements:

· Top performance ratings every year during the tenure.

· Promoted from Assistant Manager to Deputy Manager in 2019, and from Deputy Manager to Manager in 2022.

· Rated as an “Exceptional Contributor” for 3 consecutive years.

· Honored with “Key Performer” recognition in 2022.

· Spearheaded recovery drives and borrower education initiatives, significantly improving collection efficiency and customer engagement.

ICICI Bank Ltd., Coimbatore Region (Pollachi Branch)
Aug 2013 – Feb 2017

Handled loan sourcing, field investigations, and sales activities in rural regions (Pollachi, Palladam, Gobi).

Built lead networks through village heads, agri officers, dealers, milk societies, and weekly markets.

Conducted on-site farm assessments and crop inspections to support credit appraisal.

Cross-sold CASA accounts, jewel loans, and life insurance to rural customers.

Maintained coordination with the credit team for loan approvals and disbursements.

Key Achievements:

· FY 2015–16 promoted to next grade (Officer to Senior Officer).

· Consistently exceeded targets with a peak performance rating of 1/4.