SARAVANAPRASAD J
Palakkad,KL
Summary
Experienced banking professional with over 18 years in roles such as Manager, Branch Head, Deputy Branch Manager, and Senior Financial Service Manager. Proven expertise in retail lending, branch operations, and team leadership. Skilled in driving sales, managing client relationships, and ensuring regulatory compliance. Adept at strategic planning, business development, and enhancing customer satisfaction. Resourceful Manager offering history of success coordinating and monitoring operations across various departments. Effective leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Highly committed with hardworking mentality to maintain quality of services and products.
Overview
18
18
years of professional experience
4
4
Language
Work History
MANAGER RETAIL LENDING | SALES MANAGER
AXIS BANK LTD
09.2023 - Current
- Company Overview: MALAPPURAM CLUSTER
- Oversee retail lending operations, focusing on achieving sales targets and managing team performance
- Develop and implement strategies to drive loan product sales and enhance customer acquisition
- Ensure compliance with banking regulations and internal policies
- Foster strong relationships with clients to understand their financial needs and provide tailored solutions
- Analyze market trends to identify opportunities for growth and innovation in lending services
- MALAPPURAM CLUSTER
BRANCH HEAD
CSB BANK LTD
04.2022 - 08.2023
- Led branch operations, including sales, service, and administrative functions, to achieve branch goals
- Managed and motivated staff to deliver exceptional customer service and meet sales targets
- Oversaw financial performance, including budgeting, forecasting, and expense management
- Ensured regulatory compliance and adherence to bank policies and procedures
DEPUTY BRANCH MANAGER
INDUSIND BANK LTD
01.2020 - 04.2022
- Assisted in managing branch operations and staff, ensuring efficient and effective service delivery
- Supported the Branch Manager in achieving sales targets and implementing business development strategies
- Conducted performance reviews, provided training, and mentored team members
- Monitored and analyzed branch performance metrics to drive improvements
MANAGER RURAL LENDING
AXIS BANK LTD
05.2015 - 06.2018
- Managed rural lending operations, focusing on expanding market presence and meeting loan disbursement targets
- Developed relationships with rural clients to understand their financial needs and offer suitable loan products
- Implemented initiatives to increase loan penetration and market share in rural areas
- Ensured adherence to lending policies and risk management practices
- Coordinated with local stakeholders and government agencies to promote financial inclusion
DEPUTY MANAGER
HDFC BANK LTD
09.2011 - 05.2015
- Provided support in staff training, performance management, and customer service excellence
- Analyzed branch performance data to identify areas for improvement and implement corrective actions
RELATIONSHIP OFFICER
RAK BANK, DUBAI, UAE
07.2010 - 02.2011
- Developed and maintained relationships with clients, providing personalized financial advice and solutions
- Identified and pursued new business opportunities to achieve sales targets
- Conducted client meetings to assess financial needs and offer appropriate banking products
- Ensured high levels of customer satisfaction through effective service delivery
SENIOR FINANCIAL SERVICE MANAGER
ICICI PRUDENTIAL LIFE INSURANCE
06.2007 - 07.2010
- Company Overview: BANCASSURANCE CHANNEL
- Managed a team of financial advisors, driving sales and achieving business growth targets
- Developed and implemented strategies to expand the client base and increase insurance product sales
- Provided training and support to advisors to enhance their sales skills and product knowledge
- Monitored performance metrics and provided feedback to improve team productivity
- Ensured compliance with insurance regulations and company policies
- BANCASSURANCE CHANNEL
Education
BACHELOR OF ARTS - ECONOMICS
Calicut University
PRE-DEGREE - undefined
Calicut University
SSLC - Kerala, India
Board of Public Examination
Skills
MS Word
Excel
Fundamental Operations
Internet
Strategic Leadership
Client Engagement Strategies
Sales Strategy Development
Operational Efficiency
Team Management
Training
Financial Analysis
Financial Planning
Customer Service Excellence
Regulatory Compliance
Interpersonal skills
Verbal communication
Problem solving
Listening skills
Customer focused approach
Patience
Attentiveness
Positive language
Organization
Time management
Leadership Abilities
Performance review
Personal Information
- Passport Number: U0139671
- Passport Date Of Issue: 04/06/19
- Passport Expiry Date: 06/13/29
- Date of Birth: 04/11/79
Driving License
Valid, M/C with Gr LMV, Indian
Timeline
MANAGER RETAIL LENDING | SALES MANAGER
AXIS BANK LTD
09.2023 - Current
BRANCH HEAD
CSB BANK LTD
04.2022 - 08.2023
DEPUTY BRANCH MANAGER
INDUSIND BANK LTD
01.2020 - 04.2022
MANAGER RURAL LENDING
AXIS BANK LTD
05.2015 - 06.2018
DEPUTY MANAGER
HDFC BANK LTD
09.2011 - 05.2015
RELATIONSHIP OFFICER
RAK BANK, DUBAI, UAE
07.2010 - 02.2011
SENIOR FINANCIAL SERVICE MANAGER
ICICI PRUDENTIAL LIFE INSURANCE
06.2007 - 07.2010
PRE-DEGREE - undefined
Calicut University
SSLC - Kerala, India
Board of Public Examination
BACHELOR OF ARTS - ECONOMICS
Calicut University