SAVITHA K
HOSUR,
Summary
Strategic in financial management, thrive on maximizing productivity and efficiency in task completion. Skilled in budgeting, risk assessment, and strategic planning. Excel at communication, problem-solving, and leadership, ensuring seamless operations and team synergy.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Bank Branch Manager
INDIAN OVERSEAS BANK
BANGALORE
04.2024 - Current
- Achieved all the key business parameters for the past 2 Quarters ending.
- Awarded Best performing branch in PAN India - 1 of the 35 branches among the 3,300.
- Initiated sales campaigns to increase deposits and loan products in the branch.
- Created strategies for improving customer satisfaction levels at the branch.
- Implemented measures to reduce operational costs while increasing efficiency within the branch.
- Worked cross-functionally to plan and establish branch goals, supporting strategic objectives.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
- Created and updated financial reports on frequent basis to present information to leadership teams.
- Managed relationships with tax authorities, bankers and auditors.
Bank Branch Manager
INDIAN OVERSEAS BANK
HOSUR SIPCOT BRANCH
04.2023 - 04.2024
- Enhanced revenue by elevating the business mix from 140 Cr to 200 Cr within a one-year period.
- Awarded Best performer in PAN India for number of account openings under the Savings Bank category.
- Conducted various account opening and retail loan campaigns.
- Awarded Best performer in PAN India in increasing the Branch Jewel Loan portfolio.
- Analyzed financial statements and processed term loan and working capital with a ticket size of 1 Lacs to 10 Cr.
- Worked with Central Statutory Auditors and have completed audit with nil audit points.
- Processed Forex transactions like Advance Payments, Direct Import Bill Payments.
Bank Branch Manager
INDIAN OVERSEAS BANK
HOSUR, KRISHNAGIRI
10.2021 - 04.2023
- Handled rural credits like SHG, poultry, and fisheries loan processing.
- Successfully conducted various Lok Adalat campaigns with the District Court and have closed various NPA accounts, thereby increasing the profit of the branch.
- Achieved all the Key Business parameters of the branch for the Year ending 2022, 2023
Credit Officer
INDIAN OVERSEAS BANK
ERODE, KANCHEEPURAM, HOSUR
05.2014 - 10.2021
- Analyzed customer accounts, payment trends, and credit ratings to assess risk of default.
- Negotiated payment plans with delinquent customers in order to minimize losses due to non-payment.
- Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval and denial of new lines of credit.
- Coordinated with legal teams when necessary to ensure compliance with applicable laws and regulations.
- Wrote contracts and terms for approved credit requests, fulfilling legal and financial requirements to protect institution.
SENIOR ENGINEER PLANT MAINTENANCE
MANDO BRAKES INDIA PVT LTD
CHENNAI
08.2010 - 09.2012
- Developed dashboards with Tableau to monitor key performance indicators.
- Provided data-driven solutions to support decision making.
- Analyzed data from preventive maintenance checks and recommended repairs when necessary.
- Maintained records of all preventive maintenance activities performed on equipment.
- Calibrated instruments used during preventative maintenance checks.
Education
MBA - FINANCE
BIRLA INSTITUTE OF TECHNOLOGY AND SCIENCE
PILANI08-2033
CAIIB - Banking And Finance
IIBF
MUMBAI04-2016
B.E. - EEE
ALAGAPPA CHETTIAR COLLEGE OF ENGG AND TECH
KARAIKUDI05-2010
Skills
- Credit analysis
- Project Analysis - Cash Flow, and Fund Flow
- Balance sheet preparation and analysis
- Profitability analysis in projects and investments
- Sales professional
- Business development expertise
- Excellent communication skills
- Financial analysis and planning
- Documentation
- Revenue enhancement
- Excellent work ethic
Affiliations
- Completed an MBA in Finance under the WILP mode
- Worked in different centers of the bank, thereby gaining financial analysis experience in various industries
Languages
English
First Language
Tamil
Proficient (C2)
C2
Accomplishments
- SUPER 88 Campaign - Winner under Savings Bank Category
- Golden League of Champions - Winner under Jewel loan portfolio
Certification
- CAIIB
- JAIIB
Timeline
Bank Branch Manager
INDIAN OVERSEAS BANK
04.2024 - Current
Bank Branch Manager
INDIAN OVERSEAS BANK
04.2023 - 04.2024
Bank Branch Manager
INDIAN OVERSEAS BANK
10.2021 - 04.2023
Credit Officer
INDIAN OVERSEAS BANK
05.2014 - 10.2021
SENIOR ENGINEER PLANT MAINTENANCE
MANDO BRAKES INDIA PVT LTD
08.2010 - 09.2012
- CAIIB
- JAIIB
MBA - FINANCE
BIRLA INSTITUTE OF TECHNOLOGY AND SCIENCE
CAIIB - Banking And Finance
IIBF
B.E. - EEE
ALAGAPPA CHETTIAR COLLEGE OF ENGG AND TECH
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