Summary
Overview
Work History
Education
Skills
Languages
Personal Information
Disclaimer
Hobbies
Timeline
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Rinju Kurian Varghese

Rinju Kurian Varghese

Ernakulam

Summary

Experienced results-oriented banking professional with consistent track record of exceeding project and sales goals and expectations. Solid promotional skills educating customers and clients on banking products and services that meet long and short term needs. Looking for new opportunities in a growing environment.

Overview

13
13
years of professional experience

Work History

Senior Relationship Manager

The Federal Bank Ltd
10.2022 - Current
  • Increased portfolio growth by effectively identifying new business opportunities through market research and networking.
  • Developed new banking relationships with business prospects.
  • Consistently exceeded revenue targets through proactive account management and cross-selling of bank products and services.
  • Worked closely with credit analysts to ensure timely and accurate processing of loan applications, maintaining client satisfaction throughout the process.
  • Participated in regular training sessions to continually improve skills related to client service, product offerings, sales techniques, and industry knowledge.
  • Negotiated favorable terms for clients by leveraging strong relationships with product providers and underwriters.
  • Conducted financial due diligence on potential investments and acquisitions.

Relationship Manager

The Federal Bank Ltd
01.2018 - 09.2022
  • Ensure timely and appropriate reply are given to big ticket loan (Commercial loans above 50million) queries being raised by the processing officials
  • Evaluate and review loans, credit applications and collateral and make recommendations (Commercial loans above 50million) Meet the defaulted customers on a personal basis and appraise them of the consequences
  • Ensure credit policies and procedures are not violated in any manner
  • Prepare loan reports and give processed data in relation to the demand made by superiors
  • Oversee valuation of collaterals by the empanelled engineer and ensure credibility
  • Coordinate with the empanelled Advocate to ensure that the collaterals offered are genuine and acceptable as security.

Assistant Manager

The Federal Bank Ltd
11.2011 - 12.2017
  • Administering of personal and commercial loans meant for housing, vehicle procurement, educational needs etc Monitoring of gold loan portfolio, operation investment funds, administering trusts, settling estates or other related activities
  • Develop new business relations, promote the sale of loan, insurance and other banking services and attract valuable clients
  • Processing of loan applications and credit investigations Promote/educate customers on new digital modes of banking
  • Sourcing of new HNI as well as corporate clients
  • Make sure that the ATM and Cash Deposit Machines are in proper order and resolution of complaints related to the same.

Education

MBA -

Albertian Institute of Management (AIM), Mahathma Gandhi University, Kottayam, Kerala
01.2011

B Com -

Madras Christian College, Madras University, Tamil Nadu
01.2008

HSE -

S.C.S.H.S.S, H.S.E Board Kerala
01.2005

S.S.L.C -

M.H.S.S Puthencavu, SSLC Kerala
01.2003

Skills

  • Customer relationship management
  • Ability to motivate
  • Customer Engagement
  • Portfolio Management
  • Business Development
  • Willing to Learn
  • Relationship building and management
  • Loan Processing

Languages

English
Malayalam

Personal Information

  • Father's Name: Kurian Varghese
  • Date of Birth: 05/14/1987
  • Gender: Male
  • Nationality: Indian
  • Marital Status: Married
  • Religion: Christian, Orthodox

Disclaimer

I, hereby declare that whatever information furnished here is true to best of my knowledge and belief.

Hobbies

Watching movies

Exploring new places

Social media

Reading 

Timeline

Senior Relationship Manager

The Federal Bank Ltd
10.2022 - Current

Relationship Manager

The Federal Bank Ltd
01.2018 - 09.2022

Assistant Manager

The Federal Bank Ltd
11.2011 - 12.2017

MBA -

Albertian Institute of Management (AIM), Mahathma Gandhi University, Kottayam, Kerala

B Com -

Madras Christian College, Madras University, Tamil Nadu

HSE -

S.C.S.H.S.S, H.S.E Board Kerala

S.S.L.C -

M.H.S.S Puthencavu, SSLC Kerala

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Rinju Kurian Varghese