Shaji K
Sulthan Bathery, Wayanad
Summary
Dynamic Branch Head with proven success at Esaf Small Finance Bank, driving operational efficiency and enhancing customer satisfaction. Expert in strategic planning and performance evaluation, I led teams to consistently meet targets while ensuring regulatory compliance. Adept at data analysis and fostering team collaboration, I excel in delivering quality service and optimizing processes.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Branch Head
Esaf Small Finance Bank
Valiyakunnu, Malappuram
11.2020 - Current
- Manage, Direct & monitor activities of staffs and overall performance of the team to increase efficiency.
- Manages and supervises department employees; responsible for day-to-day supervision and leadership.
- Ensure targets (Retail Liability & Retail Assets) of the branch met daily to achieve YTD/MTD targets on time.
- Prepare and maintaining daily reports pertaining to business as well as operational activities.
- Provide adequate training to the staff and non performed team members for better productivity.
- Maintains and oversees all banking procedures and processes.
- Ensure all the operational activities are done at the prescribed procedure mentioned in the SOP.
- Prepare documents for internal auditing and external (RBI).
- Recruiting and interviewing at preliminary level for branch.
- Overseeing approvals of loans, lines of credit, and other products in the branch.
- Assisting with customer service and satisfaction.
- Marketing branch within the community to attract business.
- Records and researches all financial information for analysis.
- Oversees budget reports, preparation of budgets, and analysis of budgets for the branch.
- Documents and interprets complicated financial information for customers if required.
- Ensure quality new acquisition on CASA for Resident/Non Resident accounts, fixed deposits, recurring deposits and third party products by the team as well.
- Generate lead and communicate to the team for closure.
- Ensure quality customer service is delivered.
- Ensure the life, health & other TPP insurance products are being carried out in the branch for better revenue generation.
- Managed daily operations within the branch, overseeing staff performance and customer service standards.
Asst. Manager
Yes Bank Ltd
Hosur
10.2012 - 03.2020
- Manage, direct and monitor activities of staff and overall performance of the team to increase efficiency.
- Manages and supervises department employees; responsible for day-to-day supervision, leadership, and guidance.
- Ensure that the targets (Retail Liability and Retail Assets) of the branch are met daily to achieve YTD, MTD targets on time.
- Prepare and maintain daily reports pertaining to business, as well as operational activities.
- Provide adequate training to the staff and non performed team members for better productivity.
- Maintains and oversees all banking procedures and processes.
- Ensure all the operational activities are done at the prescribed procedure mentioned in the SOP.
- Prepare documents for internal auditing and external (RBI).
- Recruiting and interviewing at preliminary level for branch.
- Overseeing approvals of loans, lines of credit, and other products in the branch.
- Assisting with customer service and satisfaction.
- Marketing branch within the community to attract business.
- Records and researches all financial information for analysis.
- Oversees budget reports, preparation of budgets, and analysis of budgets for the branch.
- Documents and interprets complicated financial information for customers if required.
- Ensure quality new acquisition on CASA for Resident/Non Resident accounts, fixed deposits, recurring deposits and third party products by the team as well.
- Generate lead and communicate to the team for closure.
- Ensure quality customer service is delivered.
- Ensure the life, health, and other TPP insurance products are being carried out in the branch for better revenue generation.
Branch Manager - Sales & Operations
India Infoline Finance Ltd (IIFL)
Bangalore
09.2011 - 10.2012
- Monitoring the date to day activities of the branch in term of business, such as Gold Loan, Medical Equipment’s Loan, Housing Loan, LAP and Cross selling TPP products.
- Motivating the Sales force through leadership and supervision.
- Conducting marketing activities to improve the business of the Branch.
- Preparing the credit approval sheet & Taking approvals on time and disbursing the cases.
- Disbursement TAT, Authorization TAT, Overdue, Renewals & Closures.
- Market Intelligence - Researching and identify high-potential prospects.
- Reply for Audit report and final rectification.
Accounts Manager
Mekkadans Textiles
Sulthan Bathery
04.2010 - 09.2011
- Prepared and submitted sales tax, VAT returns, income tax returns, TDS, C Forms, PF registers, and labor registers.
- Compiled cash books, ledgers, trial balances, bank reconciliation statements, inventory control reports, P&L accounts, and balance sheets.
- Facilitated effective communication with clients across India via phone and email.
- Managed all accounting operations using TALLY ERP 9.3.6 and Acrotex accounting software along with biometric payroll systems.
- Assisted management in planning and decision-making regarding government-related matters including taxation.
Branch Head
Manappuram Finance pvt Ltd.
Bangalore
05.2007 - 04.2010
- Oversaw branch performance, enhancing profitability and operational efficiency across all areas.
- Conducted marketing initiatives to motivate team and drive performance improvements.
- Performed periodic reviews, implementing corrective actions as necessary to achieve targets.
- Visited branches to verify inventory, preparing comprehensive reports on high-value transactions.
- Executed internal audits, providing detailed reports to management on findings.
- Identified irregularities, consolidating inspection reports for senior management review.
- Assessed jewel purity using various techniques, recommending optimal processing methods.
Education
MBA - Finance
Vinayaka Mission University
Salem01.2013
Bachelor of Science - Mathematics
University of Calicut
Slthan Bathery01.2007
Plus Two - Science
Kerala Higher Secondary Education Board
01.2003
SSLC -
Board of Public Examinations, Govt. of Kerala
01.2001
Skills
- Customer service and satisfaction
- Sales and marketing strategies
- Quality assurance
- Leadership and management
- Performance evaluation
- Data analysis
- Regulatory compliance
- Strategic planning
- Budgeting and finance
- Process optimization
- Risk assessment
- Project management
- Contract negotiation
- Microsoft Office proficiency
- Time management
- Customer relationship management
- Team building
- Communication skills
Certification
- NISM Series –V- Mutual Funds Distribution Certification
- IRDA IC 38 Certification
- Gold Appraisal Skill by MSME Bangalore
- System Administration and CCNA
Accomplishments
- Qualified Cruise Contest for Life Insurance Business in Pan India in 2019
- CA numbers 200% achievement and CA Values 247% in FY 2022-23
- NTB Numbers 140% achievements NTB Value135% in FY 24-25
- Got “Good” IAD Audit rating Continuously for last 4 Years
- Personal Loan Disbursement Value Pan India 3rd ranking FY 2018-2019
- Gold Loan Disbursement Pan India 5th ranking FY 2018-2019
- Generated height Retail Asset leads in pan India top 10 ranking FY 2017-18, 2018-19
- Personal Loan Number of Disbursement Pan India 3rd ranking FY 2018-2019
- Qualified NR mission contest for NR casa Numbers in FY 23-24
- Qualified Casa Premier League for casa numbers FY 23-24
- Qualified NR maholsav season 2 for NR business
- Qualified Jor Laga ke Casa Top position in pan Indian for NR number FY 25-26
- Qualified Onam Contest for Insurance Business FY 25-26
Hobbies and Interests
- Playing Cricket
- Listening Music
- Travelling
- Cooking
Languages
- English
- Malayalam
- Kannada
- Hindi
- Tamil
Personal Information
- Date of Birth: 09/30/85
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Languages
Malayalam
First Language
English
Upper Intermediate (B2)
B2
Hindi
Intermediate (B1)
B1
Tamil
Beginner
A1
Kannada
Beginner
A1
Timeline
Branch Head
Esaf Small Finance Bank
11.2020 - Current
Asst. Manager
Yes Bank Ltd
10.2012 - 03.2020
Branch Manager - Sales & Operations
India Infoline Finance Ltd (IIFL)
09.2011 - 10.2012
Accounts Manager
Mekkadans Textiles
04.2010 - 09.2011
Branch Head
Manappuram Finance pvt Ltd.
05.2007 - 04.2010
MBA - Finance
Vinayaka Mission University
Bachelor of Science - Mathematics
University of Calicut
Plus Two - Science
Kerala Higher Secondary Education Board
SSLC -
Board of Public Examinations, Govt. of Kerala
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