Subha Swaminathan
Banking Professional
Porur
Summary
Experienced banking professional with a strong background in branch operations, regulatory compliance, and team leadership, ensuring smooth, error-free execution and adherence to internal and external audit standards.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Branch Operations Manager
Axis Bank
06.2023 - Current
- Managed end-to-end branch operations with error-free banking, ensured compliance with internal controls, AML guidelines, and handled monthly/yearly audits
- Strong experience in Operations, Compliance, and Risk & Data Privacy
- Led a team of 4 members (excluding service staff), overseeing daily tasks, schedules, and performance monitoring
- Conducted daily huddles, monthly reviews, and drove continuous improvement through team engagement activities
- Delivered superior customer service by ensuring service delivery, recovery, and excellence
- Handled complaints/escalations effectively, contributing to customer retention and satisfaction
- Gained hands-on experience in Retail Banking and Digital Banking platforms
- Possess core banking experience across multiple domains including Retail Banking, Corporate Banking, Treasury, Finance, Risk and Data Privacy, Compliance, Operations, and Digital Banking
- Collaborated cross-functionally to drive business goals and maintain regulatory standards
Deputy Branch Manager
IndusInd Bank
04.2022 - 04.2023
- Supervised day-to-day branch operations ensuring efficiency, regulatory compliance, and adherence to audit standards
- Managed internal/external audits and maintained accurate financial/legal records across Retail and Corporate Banking functions
- Conducted KYC, CIP verification, risk rating assessments, and enhanced due diligence to identify high-risk accounts
- Ensured compliance with AML, BSA, and other regulatory frameworks, minimizing operational and reputational risks
- Collaborated with departments like Finance, Treasury, HR, and Marketing to support strategic goals
- Prepared business reports, analyzed metrics, and kept senior management informed
- Supported implementation of digital banking solutions, maintained compliance with data privacy policies, and assisted in driving branch targets through strategic planning and team collaboration
Deputy Branch Manager (FLEXI BANKER AUTHORIZER)
IDFC First Bank
05.2020 - 08.2021
- Promoted digital banking, insurance, loans, and investment products to onboard and engage customers
- Ensured superior in-branch service, quick query resolution, and maintained strong client relationships
- Collaborated with relationship managers to generate leads for loans, trade transactions, and other services
- Ensured audit compliance while achieving targets for account growth, customer acquisition, and product cross-selling
Service Delivery Manager
RBL Bank Ltd.
08.2017 - 03.2020
- Handled AOF rejections, account closures, FD renewals, and verified customer documents as per checklist
- Monitored pending requests, conducted audits, ensured process adherence, and supported audit readiness and fraud prevention
- Performed KYC screening, risk profiling, and verified CDD/EDD across various financial services
Branch Operations Manager
EQUITAS Small Finance Bank Ltd.
07.2016 - 05.2017
- Responsible for Branch operations and Audit Compliance
- Oversaw daily branch operations, ensured audit compliance, and managed front desk and cash level clearance
- Monitored dummy/suspense/deferred accounts, handled reconciliations, and maintained required registers and reports
Teller & Teller Authorizer
HDFC Bank Ltd.
03.2013 - 01.2016
- Handled account opening, report generation, cash/non-cash transactions, vault custody, and ensured audit and regulatory compliance
- Managed a portfolio of customers, ensured high-quality service, retention, and deepening of current and savings account relationships
- Promoted investment products like mutual funds and insurance, and facilitated cross-selling of banking services to both existing and walk-in customers
Branch Sales Officer
ICICI Bank Ltd.
02.2010 - 02.2013
- Leading sales team and handling front desk activities
- Verifying of KYC documents for nil rejections in account opening
- Increase branch book by sourcing deposits and accounts
- Branch sales- cross sales of Investment products
Education
Master of Commerce - Advanced Corporate Accounting
Periyar University
Salem 04.2001 -
Master of Business Administration - Financial Management
Madras University,
Chennai, India 04.2001 -
Bachelor of Business Administration - Management of Banks And Financial Institutions
Annai College of Arts & Science
Kumbakonam, India 04.2001 -
Higher Secondary School Government
01-2004
Skills
Branch operations management
Regulatory compliance
Compliance reporting
Location auditing
Client relationship management
Certification
IRDA
Timeline
Branch Operations Manager
Axis Bank
06.2023 - Current
Deputy Branch Manager
IndusInd Bank
04.2022 - 04.2023
Deputy Branch Manager (FLEXI BANKER AUTHORIZER)
IDFC First Bank
05.2020 - 08.2021
Service Delivery Manager
RBL Bank Ltd.
08.2017 - 03.2020
Branch Operations Manager
EQUITAS Small Finance Bank Ltd.
07.2016 - 05.2017
Teller & Teller Authorizer
HDFC Bank Ltd.
03.2013 - 01.2016
Branch Sales Officer
ICICI Bank Ltd.
02.2010 - 02.2013
Master of Commerce - Advanced Corporate Accounting
Periyar University
04.2001 -
Master of Business Administration - Financial Management
Madras University,
04.2001 -
Bachelor of Business Administration - Management of Banks And Financial Institutions
Annai College of Arts & Science
04.2001 -
Higher Secondary School Government