Premkumar M
Chennai
Summary
Results-driven financial professional with over 19 years of experience in mutual fund operations, prepaid card services, and credit card analytics. Proven expertise in process optimization, data analysis, and client servicing within the banking and financial services sector. Skilled in managing complex operations while generating actionable insights and ensuring compliance with regulatory standards. Strong analytical, communication, and problem-solving abilities consistently deliver high-quality results in fast-paced environments.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Assistant Vice President II
Equitas Small Finance Bank
Chennai, India
09.2025 - Current
- Demonstrated self-motivation and accountability in all tasks undertaken.
- Streamlined task prioritization and scheduling to achieve on-time project delivery.
- Exhibited a strong work ethic while maintaining meticulous attention to detail in project execution.
- Engaged in continuous learning initiatives to drive self-improvement and contribute to team success.
- Applied critical thinking to analyze complex problems, evaluate potential solutions, and make informed decisions.
- Streamlined project workflows by leveraging exceptional organizational and time management abilities while handling concurrent assignments.
- Fostered teamwork and self-sufficiency to enhance overall project outcomes and team dynamics.
- Achieved enhanced decision-making and operational efficiency through effective data management strategies. Improved database performance and data accuracy by implementing process automation. Drove alignment of data management functions with business objectives, resulting in substantial growth and innovation opportunities.
- Led a team of 10 in analyzing credit card performance metrics and business trends through thorough country MIS reports, enhancing customer acquisition strategies.
- Analyzed significant volumes of data to provide senior management with informed recommendations and insights.
- Spearheaded collaboration among cross-functional teams to implement data-driven strategies for credit card portfolio growth.
- Developed and implemented automated reporting systems to streamline data analysis processes.
- Designed comprehensive protocols ensuring data integrity and security, aligning with organizational compliance requirements.
- Engaged with HCM and learning partner teams to create and execute thorough training initiatives for new joiners, enhancing their integration into the organization.
- Designed and implemented contests on a weekly and monthly basis to enhance customer engagement and drive business growth.
- Developed comprehensive scorecards to support strategic decision-making for top management.
- Spearheaded planning and execution of new project initiatives.
- Reviewed vendor expenditures and developed strategies to optimize costs and enhance budget efficiency.
- Designed and executed training initiatives to enhance team efficiency and performance.
- Performed detailed analysis and validation of incentive payout files to support timely disbursement.
- Reviewed and organized country data to present actionable insights and support decision-making in meetings.
- Proven ability to learn quickly and adapt to new situations.
- Achieved seamless incentive payout distribution by effectively coordinating with HCM team. Enhanced payout process efficiency, resulting in timely and accurate releases for sales teams. Optimized communication channels to resolve payout-related challenges swiftly.
- Managed month-end business projection analysis and engaged with stakeholders to align efforts towards achieving monthly objectives.
Program Manager - Assistant Vice President | Team Lead
Yes Bank Ltd
Chennai, India
09.2022 - 08.2025
- Achieved enhanced decision-making and operational efficiency through effective data management strategies. Improved database performance and data accuracy by implementing process automation. Drove alignment of data management functions with business objectives, resulting in significant growth and innovation opportunities.
- Analyzed credit card performance metrics and business trends through comprehensive country MIS reports, leading a team of 10 to enhance customer acquisition strategies.
- Conducted in-depth analysis of large datasets to inform senior management with actionable insights.
- Facilitated collaboration among cross-functional teams to drive implementation of data-driven strategies for credit card portfolio growth.
- Developed and implemented automated reporting systems to streamline data analysis processes.
- Implemented protocols to ensure data integrity and security, supporting compliance with organizational standards.
- Collaborated with HCM and learning partner teams to deliver comprehensive training programs for new joiners.
- Designed and implemented contests on a weekly and monthly basis to enhance customer engagement and drive business growth.
- Developed comprehensive scorecards to support strategic decision-making for top management.
- Spearheaded planning and execution of new project initiatives.
- Analyzed vendor expenses and implemented cost-reduction strategies.
- Developed and implemented training initiatives aimed at increasing team members' efficiency and performance.
- Conducted thorough review and approval of incentive payout files to facilitate timely processing.
- Analyzed and compiled country review data to effectively communicate insights during meetings.
Service Manager
HDFC Bank
Chennai, India
02.2016 - 09.2022
- Directed issuance, activation, and maintenance of prepaid cards for corporate and retail clients, leading a team of 15 members.
- Facilitated resolution of customer issues related to card balance inquiries and transaction discrepancies to enhance satisfaction.
- Compiled and delivered regular performance reports to management, facilitating informed decision-making for operational improvements.
- Secured Gold Star Award for implementing strategies that significantly reduced customer complaints by 60% within six months.
- Led team in implementing new service protocols to enhance customer satisfaction and operational efficiency.
- Analyzed and restructured service procedures to minimize response times and bolster delivery reliability.
- Facilitated mentorship for junior staff to promote skill development and improve overall team effectiveness.
- Evaluated customer feedback to pinpoint service gaps and spearhead continuous improvement initiatives.
- Engaged with cross-functional teams to ensure alignment of service strategies with both organizational goals and client requirements.
- Managed inventory systems to ensure availability of resources, optimizing service workflow and quality standards.
- Resolved escalated customer complaints professionally, turning potentially negative experiences into opportunities for continued patronage.
- Hired, trained and supervised team of service staff members to meet business goals.
- Monitored team performance, adhered to service level agreements (SLAs) and provided detailed job training.
- Improved operational efficiency by redesigning service area layout for better workflow and customer experience.
Channel Support Manager
ADFC Pvt. Ltd. (HDFC Bank)
Chennai, India
10.2008 - 01.2016
- Developed and maintained Pan India MIS reports to track credit card performance metrics, Business Trends, and customer acquisition by handling a larger team of 6 Members.
- Collaborated with cross-functional teams to implement data-driven strategies for credit card portfolio growth.
- Ensure data integrity and security in compliance with company policies
- Conducted training sessions for new team members on the processes and systems.
- Achieved Five years Completion Award.
Mutual Fund Operations Analyst
CAMS
Chennai, India
06.2006 - 05.2008
- Managed mutual fund operations, focusing on transaction processing, reconciliation accuracy, and enhancing client service experiences.
- Conducted regular audits to ensure compliance with SEBI regulations and internal policies, fostering a culture of accountability.
- Investigated and clarified client and broker questions related to NAV SIP and redemption processes, ensuring accurate information delivery.
- Coordinated efforts with fund managers and custodians to improve workflow and accelerate operational timelines.
- Analyzed data and prepared detailed reports for senior management, ensuring timely insights on performance trends.
- Compiled monthly AMC payout file exceeding 15 crore for broker commission distribution on mutual fund policy issuance.
- Achieved recognition and salary increase by delivering AMC payout file within six-month deadline.
- Optimized operational efficiency by analyzing and streamlining processes.
- Assessed operational performance to identify areas for improvement.
- Supported supervisor and associated team members to maintain system functionality.
- Boosted customer satisfaction levels with thorough analysis of client feedback and timely resolution of issues.
- Strengthened communication between departments, facilitating a seamless flow of information for faster decision-making processes.
Education
B.Sc. - Mathematics
DRBCCC Hindu College
Chennai01-2005
Higher Secondary - Maths, Physics, Chemistry & Computer Science
Vijayantha Higher Secondary School
Chennai01-2003
High School - Maths- Science
Dasar High School
Chennai01-2001
Skills
Data interpretation
Forecasting using data analysis
Strategic business planning
Process improvement specialist
Operational enhancements
Operational leadership
Sales performance analysis
Collaborative team management
Problem-solving skills
Database management
Operational efficiency improvement
Strategic decision-making
Interdepartmental teamwork
Automation implementation
Effective record-keeping
Organizational strategy development
Accomplishments
- Recognized as "Employee of the Year" for outstanding performance in Yes Bank Program Management FY23-24 and awarded at Mumbai RNR Event
- Received "Young Leader" Yes Bank Excellence award within Six months of the date of Joining
- Received "Exemplary Performance Award" from Yes Bank Business Head for Excellent work.
- Received "Gold Star Award" from HDFC Bank for Operations Excellence and 60% reduction in customer complaints.
Certification
- Digital Banking - Indian Institute of Banking & Finance
- Advanced Excel for Analysis - LinkedIn
- AI Career Accelerator Inner Circle Program - Be10x
- Generative AI Mastermind - Outskill
- Power BI workshop - Office Master
- Stock Market Using AI Workshop - SpringPad
- Leadership Skill - Learntube
LANGUAGES
English - Bilingual or Proficient (C2)
Bilingual or Proficient (C2)
Tamil - Bilingual or Proficient (C2)
Bilingual or Proficient (C2)
Disclaimer
The particulars provided in the resume are true to the best of my knowledge. Your Faithfully, Premkumar M
PERSONAL BIO DATA
- Name - Premkumar M
- Date of Birth - 06 June 1985
- Father’s Name - Mani D
- Marital Status - Married
- Languages Known - English, Tamil
- Nationality - Indian
- State -Tamil Nadu
Timeline
Assistant Vice President II
Equitas Small Finance Bank
09.2025 - Current
Program Manager - Assistant Vice President | Team Lead
Yes Bank Ltd
09.2022 - 08.2025
Service Manager
HDFC Bank
02.2016 - 09.2022
Channel Support Manager
ADFC Pvt. Ltd. (HDFC Bank)
10.2008 - 01.2016
Mutual Fund Operations Analyst
CAMS
06.2006 - 05.2008
Higher Secondary - Maths, Physics, Chemistry & Computer Science
Vijayantha Higher Secondary School
High School - Maths- Science
Dasar High School
B.Sc. - Mathematics
DRBCCC Hindu College