Rajhasekar Chandrasekaran
Madurai
Summary
Accomplished professional with a 17+ years track record in Financial Services, Customer Services, Operational Process Management, Customer Experience, Grievance Redressal, Digital Initiatives, collaborative set-up across leading banks environments. Technical Know-How: Well versed with CRM Solutions, Finacle, Flexcube, Siebel, Fidelity Information Services (FIS) Profile and other banking applications
Overview
21
21
years of professional experience
2
2
Certifications
1
1
Language
Work History
Branh Head
Ujjivan Small Finance Bank
04.2024 - 10.2024
- Reviewed and processed loan applications, ensuring compliance with internal policies and regulatory guidelines. Verified applicant financial data including income, credit history, employment status, and asset documentation.
- Coordinated with underwriters, loan officers, and clients to ensure smooth loan approval and closing.
- Maintained detailed record of Sales Activities and compared trends to identify the underserved areas and Opportunities for improvement
- Organized and maintained detailed loan files for audits and internal reviews.
- Trained new hires on loan processing procedures and documentation standards and Motivated Sales staff to continuously improve strategies through Competitions and personalized coaching
- Allocated Budget monitored and control expenses to run as profitable department
- Generated more Leads on daily basis and materialize them to Achieve in line with Business Objectives and Sales Target
- Successfully implemented various Marketing strategies by coordinating with the Central Marketing team towards Customer Testimonials, Safe Zone Campaign, Brand Visibility, TASC Activity, Schools and Colleges Campaign.
Bandhan Bank Ltd.
03.2018 - 03.2024
- Managed a high-volume loan pipeline, consistently closing 50+ files monthly with 98% accuracy. Compiled loan and Credit documents required for appraisals to process loan applications
- Supervised a team of junior processors, providing training and performance feedback.
- Managed information systems, ensuring the accuracy of each loan application
- Resolved issues related to the overall financial integrity of banking institutions including loan investment, portfolios, capital earnings and large troubled accounts
- Collaborated with underwriting and risk departments to develop standardized processing checklists.
- Performed routine credit transactions including new loan funding, advances, payments, payoff, paydown and fee waivers
- Team handling for the branch objectives towards business and branch compliance
- Achieved 5 Crore CASA against the 3 Cr target and CASA Nos Topper (2019-2022) ,11 Crore CASA against the 8 Cr target and CASA Nos Topper (2020-2022) Chennai Cluster
- Life and Health Insurance Topper in the Cluster (2019-2024)
- Achieved the Revenue Target 2020-2024 (Third Party Products – Life Insurance, General Insurance and Mutual Fund.
- Focusing towards break even for branch profit with proper cost control mechanism
- Elevated two staffs from BSE to SSE and SSE to CRO and Help them for Earning Incentive Month on month for their Promotion
- Elevated as Assistant Vice President during Dec 2021 from Senior Manager
Equitas Small Finance Bank
09.2016 - 03.2018
- Team handling for the branch objectives towards business and branch compliance
- Achieved 1 Crore CASA and 1 Crore FD within 4 months from the branch inauguration
- Audit and Compliance champion for the cluster, Act as a remainder and alarm for the cluster
- Focusing towards break even for branch profit with proper cost control mechanism
- Branch Head Role & Achievements:
Kotak Mahindra Bank Limited
03.2014 - 09.2016
- Accountable for maintaining sales productivity of the team at branch in CASA, investment products, cross selling and enhancement of existing customer relationship
- Developing & maintaining high level of customer satisfaction, retention and thereby enhancing cross sell references
- Overseeing cross sell functions of branch team for loan products such as Home Loans, Car Loans, Credit Cards and other secured & unsecured loan products
- Administering a team member for opening of current, savings & NRI accounts and ensured scrutinizing for adherence of know your customer norms
- Pivotal in contributing towards generating revenue through sales of structured products & other products, identifying the FPR (First Person Responsible) for products and processes in the branch
- Branch Operations Manager Role:
- Accomplishments:
- Essayed a key role in implementing bank’s marketing strategies and contributing towards enhancement of market penetration, business volumes and growth
- Played a key role in contributing over 75% of branch annual targets by the team in terms of customer acquisition, revenue and GL incremental targets
- Consistently Received Trophy and Certificate for Service Quality Champion among the Regional level
HDFC Bank Limited
07.2011 - 03.2014
- Resolved the complaints/queries and turnaround times in order to ensure high level of customer satisfaction, retention and thereby capturing larger wallet share
- Carried out smooth handling of departments such as Account Opening, FTNR, Cash, Clearing, Remittance, Domestic bill clearance and trade operations
- Managed the opening of Current, Savings & NRI Accounts and scrutinized the same
- Supervised retails operations including Funds Transfer, CMS, MF and Asset Portfolio
- Oversaw the Cash Management Services (CMS) for corporate customers and cheque clearance for tax collection and reconciliation operations at the branch
- Personal Banker Authorizer Role:
- Accomplishments:
- Deftly ensured the regulatory compliance & procedural compliance as well as authorized the transactional entries & checking of reports
- Successfully conducted audit compliance, internal audit, lockers, jewel loan, office account monitoring, KEY maintenance and custodian of deliverables
Customer Service Manager
ICICI Bank Limited
03.2010 - 07.2011
Customer Service Officer
ICICI Bank Limited
07.2003 - 07.2006
- Helped the client in providing them with a product mix base as required
- Supervise day-to-day operations of gold loan section, ensuring timely processing, valuation, and disbursement.
- Conduct accurate gold appraisal and valuation following internal guidelines and purity checks
- Ensure complete and correct KYC documentation and maintain compliance with RBI and internal policies.
- Delivered value added services such as selling Insurance Products and Mutual Funds Service
- Identified cross selling opportunities with the client by developing & maintaining healthy relations with them
- Played a key role in implementing management’s quality initiatives such as 5 S and Kaizen Theory in the branch and other cluster branches
- Joined as Officer Trainee and achieved tow elevations Officer & Senior Officer
Education
MFC (Master of Finance & Control) -
Thiagarajar College
B. Com - undefined
The American College
Skills
Customer service
Certification
Completed NSDL (Depository Operations) Certifications
Timeline
Branh Head
Ujjivan Small Finance Bank
04.2024 - 10.2024
Bandhan Bank Ltd.
03.2018 - 03.2024
Equitas Small Finance Bank
09.2016 - 03.2018
Kotak Mahindra Bank Limited
03.2014 - 09.2016
HDFC Bank Limited
07.2011 - 03.2014
Customer Service Manager
ICICI Bank Limited
03.2010 - 07.2011
Customer Service Officer
ICICI Bank Limited
07.2003 - 07.2006
B. Com - undefined
The American College
MFC (Master of Finance & Control) -
Thiagarajar College
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