Summary
Overview
Work History
Education
Skills
Certification
Personal Information
Affiliations
Timeline
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Ramkumarji Amarapalli

Ramkumarji Amarapalli

Hyderabad

Summary

Dedicated and accomplished Retail Banking Professional with 7 years of comprehensive experience in Service and Operations Management, Relationship Management, Customer Service executive, and Credit Officer roles. Proficient in utilizing technical skills such as Finacle, SQL, and PowerBI to enhance operational efficiency and drive strategic decision-making and Seeking to leverage expertise and proven track record in a challenging role within the banking sector

Overview

7
7
years of professional experience
1
1
Certification

Work History

Asst Manager - Asset Officer

IDBI Bank ltd
01.2020 - 12.2022
  • Conducted credit risk assessments for retail banking clients, evaluating their creditworthiness and determining appropriate credit limits and terms.
  • Managing Credit appraisal for retail lending, operations in Mortgages (HL and LAP) and Consumer loans (Education loans, Auto loans and Personal loans) and sanctioning of loans and disbursement.
  • Analyzed financial statements, credit reports, and other relevant documents to assess the risk profile of borrowers.
  • Monitored and managed the credit portfolio, identifying potential risks and taking proactive measures to mitigate losses.
  • Follow up for delay in installment payment by customers.
  • Prepare detailed credit risk assessment reports that involve analysis of factors such as the operating environment, business strength, financial strength, management strategy, market-implied parameters and external support.
  • Ensured compliance with safety regulations and company policies.

Asst Manager - Service & Operations Manager

IDBI Bank ltd
11.2015 - 12.2019
  • Led a team of five professionals in providing high-quality service and operational support to retail banking customers.
  • Implemented streamlined processes and procedures to optimize efficiency and enhance customer satisfaction.
  • Conducted regular performance evaluations, provided coaching and mentoring, and facilitated training sessions to ensure team members' continuous development.
  • Collaborated with cross-functional teams to identify areas for process improvement and implemented solutions to mitigate operational risks.
  • Maintained compliance with regulatory requirements and internal policies while overseeing day-to-day operations.
  • Utilized Branch Networking and other stakeholders to gather requirements for the development of MIS reports to Bank Branches.
  • Performing Operational activities in Retail Banking including Cash, NEFT/ RTGS, transfer transactions pertaining to salaries of corporates, Clearing process, handling Government Business modules, etc.
  • Led AML and KYC investigations, analyzing transactional data and customer profiles to detect suspicious activities, and reported findings to relevant stakeholders, including management and regulatory authorities (RBI).
  • Led a team of five professionals in providing high-quality service and operational support to retail banking customers.
  • Conducted regular internal audits and reviews of operational procedures to ensure compliance with regulatory requirements and internal policies.
  • Experience in providing Training to Interns and on job trainee.
  • Received recognition and awards for outstanding performance and contributions to operational excellence and customer service.
  • Spearheaded the digitization of processes and services, driving adoption of online and mobile banking platforms among customers and reducing reliance on traditional channels.
  • Implemented a customer feedback mechanism to gather insights and measure satisfaction levels, resulting in increase in overall customer satisfaction scores.
  • Utilized data analytics tools such as PowerBI to analyze operational metrics and identify areas for improvement, leading to enhanced performance and service levels.

Education

B.Tech - Electonics And Communication

Vignan university

Skills

  • Finacle 10x
  • Finacle Core
  • Retail Banking
  • Finacle CRM
  • SDLC
  • Agile Methodology
  • Power BI
  • SQL
  • MS-Excel
  • JIRA
  • Requirements Gathering
  • Balsamiq
  • Credit Management

Certification

  • IIBA - Business Analysis
  • IRDA - Insurance Regulatory and Development Authority of India
  • NISM- Mutual Fund Distribution Certification

Personal Information

Passport Number: T0929018

Affiliations

  • A professional Badminton and Table Tennis player.

Timeline

Asst Manager - Asset Officer

IDBI Bank ltd
01.2020 - 12.2022

Asst Manager - Service & Operations Manager

IDBI Bank ltd
11.2015 - 12.2019

B.Tech - Electonics And Communication

Vignan university

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Ramkumarji Amarapalli