Siva Kumar
Senior Manager
Bengaluru
Summary
Experienced Senior Manager and Product Lead in retail lending at a bank, skilled in overseeing loan product development, process design development and managing teams. Proven track record in creating and improving lending products to meet customer needs. Expertise in analyzing market trends and ensuring compliance with regulations. Dedicated to driving innovation and delivering results that benefit both customers and the business.
Overview
11
11
years of professional experience
6
6
years of post-secondary education
3
3
Languages
Work History
Product Lead (Retail Loan Products)
Karnataka Bank - DCOE (TD&H)
7 2019 - Current
- Design and digitization of KBL Xpress Mortgage Loan with adoption rate of 85% and turnaround time(TAT) at 15 min for Straight Through Processing(STP)
- Implementation of online E mandate registration process for all loan account holders sanctioned through both manual and digital process
- Design and implementation of review mechanism for rejected applications across retail loans which increased conversion rate from 29% to 46%
- Implementation of digital lending guidelines prescribed by the regulator in Xpress Cash Loan.
- Implementing periodical enhancements in KBL-Xpress Home Loan, KBL-Xpress Mortgage Loan, KBL- Xpress Car Loan & KBL-Xpress Cash Loan.
- Design and Implementation of digital process for loan document execution for Personal loans introducing online E-stamping and E-signing of loan contracts and achieved 100% adoption in entire KBL-Xpress cash loan portfolio.
Manager - Sales, Marketing and Alliances
Karnataka Bank - Regional Office
6 2018 - 7 2019
- Grew sales and boosted profits, applying proactive management strategies and enhancing sales training
- Worked closely with Home Loan and Mortgage Loan Division
- Grew retail sales volume in assigned territory 128% through strategic planning and product promotion.
Relationship Manager, Banking Operations
Karnataka Bank
03.2014 - 05.2018
- Generated new business of over 70% of branch business and referral clients in partnership with financial advisors and branch team
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
Software Engineer
Persistent Systems
09.2013 - 02.2014
- Partnered with development team on product development, application support plans and prototype programs.
Education
MBA - Fintech
Birla Institute of Technology & Sciences
Pilani, India 04.2001 -
Certified Credit Professional: Credit Management - undefined
Indian Institute of Banking And Finance
08.2018 - 05.2018
CAIIB: Banking And Finance - undefined
Indian Institute of Banking And Finance
08.2017 - 04.2018
JAIIB: Banking And Finance - undefined
Indian Institute of Banking And Finance
08.2015 - 04.2016
Post Graduate Diploma: Embedded Systems Design - undefined
Centre For Development of Advance Computing - Bengaluru
08.2012 - 05.2013
Bachelor of Technology: Electronics And Communication Engineering - undefined
St.Johns College of Engineering And Technology - Yemmignur
06.2008 - 05.2012
Skills
Strategic planningundefined
Accomplishments
Qualified for the MD club for the financial years 2016-17 and 2018-19
Timeline
Certified Credit Professional: Credit Management - undefined
Indian Institute of Banking And Finance
08.2018 - 05.2018
CAIIB: Banking And Finance - undefined
Indian Institute of Banking And Finance
08.2017 - 04.2018
JAIIB: Banking And Finance - undefined
Indian Institute of Banking And Finance
08.2015 - 04.2016
Relationship Manager, Banking Operations
Karnataka Bank
03.2014 - 05.2018
Software Engineer
Persistent Systems
09.2013 - 02.2014
Post Graduate Diploma: Embedded Systems Design - undefined
Centre For Development of Advance Computing - Bengaluru
08.2012 - 05.2013
Bachelor of Technology: Electronics And Communication Engineering - undefined
St.Johns College of Engineering And Technology - Yemmignur
06.2008 - 05.2012
MBA - Fintech
Birla Institute of Technology & Sciences
04.2001 -
Product Lead (Retail Loan Products)
Karnataka Bank - DCOE (TD&H)
7 2019 - Current
Manager - Sales, Marketing and Alliances
Karnataka Bank - Regional Office
6 2018 - 7 2019
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