RALPH ANTONY
Ernakulam
Summary
Results-oriented finance professional with over 4 years of experience in business development, financial analysis, and auditing. Currently serving as an Assistant Manager at Thomas Cook, leveraging expertise in compliance audits and client management to drive operational efficiency. Proven ability in financial evaluations and credit assessment from previous roles at South Indian Bank, complemented by strong analytical skills and advanced MS Office proficiency. Aiming to further enhance strategic finance initiatives within a dynamic organization.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Assistant Manager
Thomas Cook India Ltd
Cochin
02.2024 - Current
- consistently review company business practices, evaluate financial records
- Implemented robust internal auditing procedures and a decrease in compliance issues.
- conducting till checks, stock auditing, financial auditing and checking of internal guidelines flowed
- Developed and maintained audit reports as an Internal Auditor, documenting findings and recommending corrective actions for process improvement
- Optimized service delivery workflows as an Internal Auditor, reducing average response time, Implementing audit observation for the efficiency workforce for the organization
Associate Agent Development Manager
Max life insurance ltd
Ernakulam
08.2023 - 01.2024
- Organized team-building activities that increased team morale by [specific percentage, e.g., 30%]
- Mentored team members, resulting in [specific improvement, e.g., 20% increase in productivity]
- Managed customer interactions, maintaining a [specific metric, e.g., 95% customer satisfaction rate]
- Resolved [number] customer escalations monthly with a [specific resolution rate, e.g., 90%]
- Implemented performance improvement plans, resulting in [specific outcome, e.g., 10% increase in team efficiency]
- Analyzed team metrics, identifying trends and areas for enhancement
Business Development Executive
South Indian Bank operation and service Ltd
Ernakulam
07.2021 - 01.2023
- Developed credit assessment reports to support loan approvals.
- Ensured regulatory compliance through collaboration with credit teams.
- Designed sales strategies, boosting revenue by [metric].
- Verified document accuracy with legal and compliance teams.
- Conducted monthly financial checks, detecting any compliances issues.
- Streamlined operations across multiple branches.
Business Development Executive
Quess Corp Ltd
Cochin
08.2020 - 06.2021
- Developed and implemented targeted sales strategies, increasing credit card acquisitions by 15%.
- Conducted monthly sales training workshops, boosting team performance by 10%.
- Performed eligibility checks for 25+ customers daily, ensuring compliance with creditworthiness standards.
- Collaborated with underwriting teams to provide accurate eligibility assessments for prompt decision-making.
- Managed 50+ customer inquiries daily, maintaining a 95% satisfaction rate.
Business Development Officer
Capsys Business Solutions Pvt Ltd
Kerala
07.2019 - 06.2020
- Built and maintained relationships with [number] business clients, driving a [specific outcome].
- Ensured accurate and timely loan processing by collaborating with underwriting teams.
- Conducted eligibility checks for [number] applicants daily, ensuring compliance with financial criteria.
- Assessed eligibility for prompt underwriting decisions.
- Reviewed [number] loan applications monthly, detecting financial discrepancies.
- Generated financial reports for risk assessment and mitigation.
- Identified cost-saving opportunities with financial analysts.
- Coordinated with multiple banks to submit eligibility reports and streamline loan processing.
Education
Master of Commerce - Accounting and Finance
Jain University
Kerala India01.2025
Bachelor of Commerce - Finance
Rabindranath Tagore University
Madhya Pradesh08.2021
Diploma - Industrial Electrical Engineering
Govt Polytechnic Kalamserry
Kalamserry03.2021
Diploma - Solar Panel Installation Technician
St Alberts College
Ernakulam01-2018
Skills
- Strategic Business Development
- Credit Risk Assessment
- Efficient Data Input
- Proficient in Electrical Engineering
- Comprehensive Financial Evaluation
- Risk Evaluation
- Microsoft Office Proficiency
Languages
- English, Proficient
- Hindi, Intermediate
- Malayalam, Native
Passions
Hockey
Certification
- Investment Banking Operations
- Data Entry operation
Languages
Malayalam
First Language
English
Advanced (C1)
C1
Hindi
Elementary (A2)
A2
Tamil
Beginner
A1
Timeline
Assistant Manager
Thomas Cook India Ltd
02.2024 - Current
Associate Agent Development Manager
Max life insurance ltd
08.2023 - 01.2024
Business Development Executive
South Indian Bank operation and service Ltd
07.2021 - 01.2023
Business Development Executive
Quess Corp Ltd
08.2020 - 06.2021
Business Development Officer
Capsys Business Solutions Pvt Ltd
07.2019 - 06.2020
Master of Commerce - Accounting and Finance
Jain University
Bachelor of Commerce - Finance
Rabindranath Tagore University
Diploma - Industrial Electrical Engineering
Govt Polytechnic Kalamserry
Diploma - Solar Panel Installation Technician
St Alberts College
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