Suman Kumar
Proddatur
Summary
Focused on applying leadership skills to make lasting improvements to efficiency, procedures and employee retention. Desiring to leverage 17 years’ experience in Banking to take on a challenging long-term position with a growing operation. Talented customer service professional bringing more than 17 years of experience helping customers with account and service issues. Able to understand and resolve issues, promote products and maintain strong loyalty. Driven to exceed expectations and contribute expertise to team success.
Customer-focused professional, acknowledged throughout career for dispensing personalized attention, maintain composure under fire, and juggling a multitude of job tasks and challenges with skilled discretion and concern 17 years banking sector experience in a fast-faced customer-care environment, has refined capabilities in researching issues, providing clear and accurate responses, and adapting communications to suit the situation Reputed for willingness to shoulder extra workloads, coordinate daily operations, and ‘step up’ to leadership roles Superior administrative, analytical, and problem solving strengths are underpinned by a genuine affinity with people, and the necessary drive to enhance organizational reputation through service excellence. Seeking a challenging role in Banking
Overview
16
16
years of professional experience
1
1
Certification
Work History
Branch Manager
Lakshmi Vilas Bank (Presently DBS Bank India Limited)
2016.12 - Current
- Handling team of all verticals (assets, liabilities and TPP) towards achieving branch MOP and AOP targets
- Scrutinizing and evaluating loan related documents and checking basic eligibility criteria for further process
- Nurturing mentoring team members towards achieving targets
- Updating all the new process and guidelines to the customers and ensure to provide all benefits to the customers
- Developing sales strategies to reach new customers and also to grab the attention of existing ones to boost sales in the department
- Monitoring and reviewing individual performance of team members and guiding them to overcome all the constraints
- Attending number joint calls with my team members and creating healthy rapport with all the customers
- One point of contact for branch end to end process like compliance, sales, training, sharing knowledge, professional growth of individual team members
- Conducting more market related activities and keep in track of all prospective leads
- Providing good timely service to existing customers subsequently taking more references which will help to increase the business
- Creating synergy between various departments for smooth functioning
- Conducting segment wise seminars and meetings the customers to promote bank products
- Gathering local data and ensure all my team members are meeting those set of customers and explore banking opportunity
- Handled team of 12 members across the branch and achieved AOP and MOP targets
- Creating healthy atmosphere between team members and conducting branch and cluster level contests to encourage them
- Listening and accepting suggestions given by team members and implementing those in the ground level
- Versatile Leadership, Relationship Management, Policy Implementation, Liaison/Documentation, MIS Management, Tally, Statutory Compliance, TAT/SLA.
Branch Manager
Lakshmi Vilas Bank (Presently DBS Bank India Limited)
2014.12 - 2016.11
- Handled team of 6 members towards achieving branch annual targets like CASA value, CASA numbers, assets and TPD business
- Meeting all HNI clients on continuous basis to increase Branch Book Size
- Playing major role in branch internal and IAD audit time
- Creating good synergy between various departments for smooth functioning
- Ensure to contribute major portion of the business from sales team
- Sourcing high profile accounts like TXD, NRI, HNI on regular basis
- Sourced highest number of trade accounts during the contest
- Meticulously handle general administration of the branch and accountable for monitoring the overall branch operations including business development, customer service, clearing activities, regulatory compliance, cash management, revenue generation & profitability excellence
- Track & promptly resolve outstanding issues while leading to better control to enhance overall operational efficiency
- Acquire the preferred banking customers while establishing healthy business relations with clients & external associates for securing repeat business & long-term customer loyalty and worked towards solving their queries and complaints efficiently
- Monitoring and attending to customer queries and finding solutions
- Responsible for quality lead generation entailing increase in revenues through sale of investment products including Mutual funds, shares and TPP products like Life insurance, General insurance, health insurance
- Generate MIS reports to review the developments in the business along with the revenue generation, ensuring compliance with all regulatory requirements of central banks/statutory bodies
- Responsible for generating leads for Loans to salaried, Self-employees business
- Responsible for processing of loans and preparation of documentation
- Majority of the loans sourced and disbursed under mortgage and housing loans scheme
- Sourced and disbursed business loans for working capital and Term loans for purchase of machinery
- Jewel loans source and disbursements
- Loans recovery, follow up, monitoring of loan accounts and avoid slippages
- Responsible to reach branch targets.
Asst. Manager
Lakshmi Vilas Bank (Presently DBS Bank India Limited)
2012.10 - 2014.11
- Handled branch operations like cash, clearing, forex etc
- With zero errors
- Playing major role in branch internal and IAD audit time
- Managing branch operations with key focus on bottom line profitability by ensuring optimal utilization of available resource
- Providing alternative banking solutions to the customers like corporate internet banking, mobile banking, ATM banking, phone banking, digital banking, solving ATM issues, etc
- Playing major role in branch end to end operations
- Sharing operational knowledge with all the team members
- Ensure to achieve all the branch cluster and region level contests
- Managing and owning the relationship with accounts, generating ongoing revenue and margin, including customer services and logistic issues
- Experienced in handling a team, motivating and mentoring them to achieve the given assignments
- Conducting promotional activities and representing the company as on need basis
- Monitor and address HNI clients' banking and investment requirements, use financial acumen and investment expertise to review a client's personal data, align clients' need through superior service and advice, seamlessly align service delivery for enhanced experience, thereby helping the client to reach his short term and long-term investment goals
- Leading a result-oriented team and responsible for managing the branch profitability, ensuring high quality service and customer relationship management
- Ensure compliance with banking rules, regulations & procedures, KYC, checking all account opening forms and authorizing the same before it being sent to CPU, also ensure error-free documentation
- Supervising all cash and non-cash transactions including RTGS, NEFT
- Reviewing of daily BOD and EOD reports like large cash transactions GL Report, Account and Fixed Deposit Reports, etc
- And checking all deferred and dummy accounts.
Asst Manager, Loan Processing & Credit Monitoring
Lakshmi Vilas Bank (Presently DBS Bank India Limited)
Regional Office, Hyderabad
2011.10 - 2012.09
- Monitoring the credit event and evaluate the risk of potential default while recommending timely solutions
- Identify early signs of warning triggering necessary action
- Managing portfolio risk, focusing on growth divers and preparation of periodic portfolio report for management decision
- Maintain an effective trigger reporting system of credit impairments and propose corrective actions
- Evaluate performance of product & portfolio, and provide insight with data analysis
- Provide analytical reports for the purpose of monitoring, making policy adjustments, monitor credit decisions with the ultimate goal of optimizing risk and rewards
- Work together with Credit Monitoring Team for smooth monitoring of portfolio/product
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Bank, its clients and assets
- To undertake risk-return evaluation of the Bank's loan portfolio from time to time for policy reviews
- Preparation and submission of various regulatory returns
- Any other work assigned from time to time.
Cashier Cum Clerk (Teller)
Lakshmi Vilas Bank (Presently DBS Bank India Limited)
2007.12 - 2011.09
- Involved in Account Opening Process of Resident account that is Salary account, Family Account, SB Account, funding and closure of accounts and modification requests that is Name Addition, account Closure, NRE/NRO accounts opening
- SEG account that is account opening form document verification to account activation and funding of account
- FD/RD Processing and Creation and Funding
- Responsible for the modifications in customer's account (non-financial transactions), open account, name addition and deletion, nominee addition, signature update of clients, etc
- Handle Cash Remittances
- Responsible for handling the bank operations pertaining to account opening including verification of documents for Opening current & savings accounts before dispatching to CPU for Account Activation
- Manage DVU (Salary Accounts/ Branch Accounts/ Joint Accounts/ Freeze Removal Forms) in line with KYC norms & procedures and offering comprehensive transactional banking solutions i.e
- Account opening services, cash management services and customized payment services.
Education
M.Sc (Physics) -
Sri Krishna Devaraya University College, Sri Krishna Devaraya University
01.2005
B.Sc, & B.Ed -
Nandyala, Sri Rama Krishna Degree College
01.2003
Skills
- Team Leadership
- Employee development
- Staff supervision
- Customer and vendor relations
- Company valuations
- Approachable
- Revenue enhancement
- Regulatory Compliance
- Uncompromising work ethics
- Decision-Making
- Client acquisition
Accomplishments
- Certificate awarded for excellence and outstanding contribution under Lakshmi Commodity power (LCP) during May 2015
- Certificate awarded for CA Marathon Contest of May 2016
- Certificate awarded for Stupendous performance in the MISSION 2K contest of December 2016
- Certificate awarded for Excellence performance in the Health Challenge Contest of September 2017
- Certificate awarded for successful contribution in HI and LI for the year 2017
- Certificate awarded for valuable contribution in LI business in 2018-19
- Certificate awarded for Stupendous performance IPL 3.0 matches in LI 2020
- MDRT qualifier in 2023
- SWARNA YATRA Topper in 2022 and 2023
- SANKALP contest qualifier in 2024
- Appreciations received for the regularization and recovery of NPA
Personal Information
- Father's Name: S Venkata Subbaiah
- Date of Birth: 03/15/1983
- Gender: Male
- Marital Status: Married
Zip
516360
Notice Period
3 Months
Languages
- Telugu
- English
- Hindi
Hobbies and Interests
Listening to Music, Gardening
Disclaimer
I, S Suman Kumar, hereby declare that all particulars stated above are true to the best of my knowledge and belief.
Certification
- CAIIB
- IRDAI
- AMFI
Timeline
Branch Manager
Lakshmi Vilas Bank (Presently DBS Bank India Limited)
2016.12 - Current
Branch Manager
Lakshmi Vilas Bank (Presently DBS Bank India Limited)
2014.12 - 2016.11
Asst. Manager
Lakshmi Vilas Bank (Presently DBS Bank India Limited)
2012.10 - 2014.11
Asst Manager, Loan Processing & Credit Monitoring
Lakshmi Vilas Bank (Presently DBS Bank India Limited)
2011.10 - 2012.09
Cashier Cum Clerk (Teller)
Lakshmi Vilas Bank (Presently DBS Bank India Limited)
2007.12 - 2011.09
M.Sc (Physics) -
Sri Krishna Devaraya University College, Sri Krishna Devaraya University
B.Sc, & B.Ed -
Nandyala, Sri Rama Krishna Degree College
- CAIIB
- IRDAI
- AMFI
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