Rahul M
Kollam
Summary
developing and sustaining portfolio of clients within assigned by promoting or selling corporate banking products and cross-selling other bank offerings to strengthen value-added relationships with customers
Overview
10
10
years of professional experience
Work History
Relationship Manager
ICICI BANK LTD
Pathanamthitta
06.2023 - 06.2026
- Managed client relationships for key accounts, enhancing customer loyalty.
- Conducted in-depth customer research to identify opportunities for growth and expansion.
- Produced presentations and reports to guide stakeholders on customer trends and data.
- Oversaw accounts payable and accounts receivable processes, ensuring timely payments.
- Managed accounts receivable and accounts payable tracking systems for visibility.
- Oversaw reconciliation of accounts payable and accounts receivable for record accuracy.
Assistant Manager
ESAF Small Finance Bank Ltd
06.2020 - 05.2023
- Oversaw sales of two-wheeler, new car, used car, and light commercial vehicle.
- Coordinated branch staff in vehicle loan sales, delivering information on new schemes and policy changes while training new joiners.
- Handling DSA Business and DDSA Business.
- Facilitated empanelment process for new DSA partners, expanding business network.
- Sourced sales opportunities from open market, enhancing customer base.
- Meeting with customers, managing and directing loan collections.
- Resolving customer complaints.
- Ensuring better relationship between customers ensuring satisfaction.
- Administered motor insurance policies for clients to ensure coverage.
- Document collection and KYC verification.
- Ensure documentation as TAT.
- Regular updations to the status of PDD.
- MIS preparation and providing data to Area Sales manager.
- Savings account for the customers from the Initial Stage.
- Establishing and ensuring good relationship between the showrooms in the region.
- Handling the sales for the Kollam location of Various products ranging from Account Opening to Loan.
- Reported to the area sales manager.
Credit Officer
Muthoot Vehicle and Asset Finance Ltd
06.2018 - 03.2020
- Managed credit data and financial information for customers applying for secured and unsecured loans from login to decision stage, ensuring thorough assessment.
- Prepared credit appraisal and compiled necessary documentation, including CIBIL, Equifax, and credit appraisal memo, for review by the location credit head.
- Reviewed KYC and credit checks for customer logins in the branch.
- Ensured that all cases are disbursed as per TAT and policy.
- Verification of pre-disbursement documents viz DPN, Agreement as per laid down policy.
- Checking whether all sanction conditions are adhered.
- Initiation of verification procedure and constantly following up with Agency (CIBIL, Fi dedupes).
- Conducted tele verification for customers as instructed by the credit head.
- Monitored field investigation agency and liaised with external agencies to conduct random checks, identifying discrepancies and ensuring adherence to turnaround time (TAT).
- Contributed as a key member of the credit team and led the team of credit officers.
- Ensure submission of monthly, quarterly, and yearly reports in time to the credit Head.
- Conducted data entry tasks in Excel to maintain accurate records.
- Reporting to the Location Credit Head.
Senior Sales Executive
ICICI BANK LTD
10.2017 - 05.2018
- Consistently met individual sales targets through effective client engagement.
- Demonstrated experience in sales with strong interpersonal skills to establish and maintain effective relationships with clients.
- Set personal sales goals aligned with dealership productivity standards and implemented strategies to achieve those goals.
- Reported to Sales Manager on objectives, planned activities, and conducted reviews and analyses to inform sales strategies.
- Follows up with existing customers to confirm their satisfaction and generate leads.
- Maintained strong relationships with branches and dealerships to enhance collaboration.
- Collected and processed documents while coordinating with relevant departments.
- Collected PDD information and monitored status updates for accuracy.
Jr OFFICER
HDB FINANCIAL SERVICES
08.2016 - 09.2017
- Managed end-to-end credit operations, including loan processing, document verification, compliance checks, disbursement, collateral management, and portfolio monitoring, coordinating with internal stakeholders for timely and accurate execution of retail and business loans.
- Processed, verified, disbursed, and monitored loans while ensuring compliance with bank policies and regulatory requirements.
- Addressed customer complaints by employing clear communication and strategic problem-solving techniques.
- Worked closely with team members to ensure everyone contributed to achieving target results.
- Created a clean and safe work environment to minimise the risk of accidents and injuries.
Education
BSC - INFORMATION TECHNOLOGY
M G University
Ernakulam, KL01-2011
XII th - COMPUTER SCIENCE
SDPY VOCATIONAL HIGHER SECONDARY SCHOOL
PALLURUTHY01-2008
X th -
CCPLM ANGLO INDIAN HIGHER SECONDARY SCHOOL
Ernakulam, KL01-2006
Skills
- Client relationship management
- Client presentations
- MS Office suite
- Excel proficiency
- People management
- Team building
- Leadership
- Effective communication
- Adaptability
- Recruitment strategies
- Basic computer skills
Custom
I hereby declare that the above written information’s are true to the best of my knowledge and belief.
Timeline
Relationship Manager
ICICI BANK LTD
06.2023 - 06.2026
Assistant Manager
ESAF Small Finance Bank Ltd
06.2020 - 05.2023
Credit Officer
Muthoot Vehicle and Asset Finance Ltd
06.2018 - 03.2020
Senior Sales Executive
ICICI BANK LTD
10.2017 - 05.2018
Jr OFFICER
HDB FINANCIAL SERVICES
08.2016 - 09.2017
BSC - INFORMATION TECHNOLOGY
M G University
XII th - COMPUTER SCIENCE
SDPY VOCATIONAL HIGHER SECONDARY SCHOOL
X th -
CCPLM ANGLO INDIAN HIGHER SECONDARY SCHOOL