Sajith Kundukulam
Banking Professional
Bengaluru,KA
Summary
Highly accomplished banking professional with over 21 years of experience in the financial services industry. Proven track record of success in managing operations, driving growth, and improving customer satisfaction. Skilled in developing and implementing business strategies to achieve financial targets. Strong leadership and management skills, with experience in leading cross-functional teams. Recently completed a professional certificate course in Fintech from IIM Kozhikode and currently on a career break to pursue further education and personal development.
Overview
12
12
years of professional experience
4
4
years of post-secondary education
Work History
Career Break
Career Break
BENGALURU
03.2023 - Current
- Took a career break to pursue further education and personal development
- Acquired skills and knowledge in Fintech, business strategy, and leadership through online courses and self-study
- Engaged in volunteer work and community activities to maintain and develop skills
Chief Manager
South Indian Bank
Thrissur
04.2021 - 03.2022
- Managed one of the largest and most prestigious branches of South Indian Bank, handling a total business of 1500+ Crore with equal weightage in Asset and Liability portfolios.
- Led a team of 32 employees, providing direct reporting and ensuring high levels of productivity and performance.
- Developed and executed strategies to drive growth and achieve business targets.
Managed corporate relationships with high-value clients, including Manappuram group, Bhima Jewelers, and KSFE, while also overseeing a SME book size of 300+ Crore and a retail loan book - Oversaw the management of one of the largest NRI portfolios of the bank, as well as a strong domestic retail SB and CD portfolio.
- Successfully implemented measures to improve customer satisfaction, resulting in increased loyalty and retention.
Chief Manager
South Indian Bank
Bangalore
04.2017 - 03.2021
- Successfully led one of the biggest branches of South Indian Bank in Bangalore, focusing on SME finance and liability
- Developed and executed business strategies to double the branch's business, resulting in significant growth in both Asset and Liability portfolios.
- Focused on SME finance by identifying and tapping into new business opportunities in the local market, which led to a significant increase in the SME loan portfolio.
- Emphasized the importance of liability management, which led to a substantial increase in the branch's deposit base and reduced funding costs.
- Worked closely with the branch team to develop and implement effective sales and marketing strategies to drive customer acquisition and retention.
- Fostered strong relationships with high-value customers and corporate clients, resulting in increased business opportunities and improved customer satisfaction
- Implemented process improvements and streamlined operations to optimize efficiency and reduce costs
Senior Manager
South Indian Bank, Christ University
Bangalore
10.2015 - 03.2017
- Led one of the prestigious branches of South Indian Bank, focusing on driving business growth.
- Developed and executed effective strategies to achieve a 20% growth in the branch's booksize, resulting in significant expansion of both Asset and Liability portfolios.
- Worked closely with the team to identify new business opportunities and foster relationships with high-value clients.
- Focused on delivering exceptional customer service, leading to increased customer satisfaction and retention rates.
- Developed and implemented effective sales and marketing strategies to drive customer acquisition and increase market share.
Senior Manager and Branch Head
Hadi Express Exchange, Ras Al Khaima
08.2013 - 09.2015
- Served as a Senior Manager at Hadi Express Exchange, a leading money exchange company in Dubai.
- Worked closely with the team to develop and implement effective business strategies to increase market share and drive revenue growth.
- Managed daily operations, ensuring compliance with regulatory requirements and company policies.
- Provided exceptional customer service to high-value clients, fostering strong relationships and ensuring customer satisfaction.
- Developed and delivered training programs to enhance the team's skills and knowledge, resulting in increased productivity and efficiency.
- Collaborated with cross-functional teams to drive innovation and improve operational efficiency.
Manager & Branch Head
South Indian Bank
Thrissur
04.2011 - 07.2013
- Led the opening of a new branch location for South Indian Bank, overseeing all aspects of the setup and launch process.
- Developed and implemented effective sales and marketing strategies to drive customer acquisition and increase market share.
- Successfully brought in a sizeable business and customer base in the initial years of the branch, exceeding performance targets and expectations.
- Provided exceptional customer service, fostering strong relationships and ensuring high levels of customer satisfaction and retention.
- Managed daily operations, including staffing, budgeting, and compliance with regulatory requirements and bank policies.
- Worked closely with cross-functional teams to drive innovation and improve operational efficiency.
- Recognized as the Top Performer of the Bank for the period, for outstanding performance and contribution to the organization.
Education
Bachelor of Commerce -
University of Madras
Chennai, TN 04.2002 - 05.2005
CAIIB -
Indian Institute of Banking And Finance
IIBFDiploma - Business Finance
ICFAI
Professional Certificate Course in Fintech
Indian Institute of Management, Kozhikode
Kozhikode 06.2022 - Current
Skills
Banking operations management
Cross-functional team leadership
Business strategy development and implementation
Financial analysis and reporting
Customer service and relationship management
Sales and marketing
Staff training and development
Risk management and compliance
Budgeting and financial planning
Project management
Fintech knowledge and skills
Communication and interpersonal skills
Time management and prioritization
Problem-solving and decision-making
Adaptability and flexibility
Additional Information
- Achievements , Top Performer of the year -2013- Awarded at Madrid, Spain Certificate of appreciation for various campaigns floated for Liability and TPP by the Bank
Timeline
Career Break
Career Break
03.2023 - Current
Professional Certificate Course in Fintech
Indian Institute of Management, Kozhikode
06.2022 - Current
Chief Manager
South Indian Bank
04.2021 - 03.2022
Chief Manager
South Indian Bank
04.2017 - 03.2021
Senior Manager
South Indian Bank, Christ University
10.2015 - 03.2017
Senior Manager and Branch Head
Hadi Express Exchange, Ras Al Khaima
08.2013 - 09.2015
Manager & Branch Head
South Indian Bank
04.2011 - 07.2013
Bachelor of Commerce -
University of Madras
04.2002 - 05.2005
CAIIB -
Indian Institute of Banking And Finance
Diploma - Business Finance
ICFAI