Thiyagarajan M
Manager(Priority Sector)
Coimbatore,TN
Summary
Accomplished Manager at Bank of Baroda, adept in operations management and strategic planning. Spearheaded implementation of government schemes and agricultural credit in rural and semi urban areas to enhance the profitability of farming and driven the growth of agricultural advances, leveraging team leadership and decision-making skills. Achieved significant improvements in service delivery and credit management, fostering long-term client relationships and business expansion in the branches i have worked.
Overview
9
9
years of professional experience
2
2
Certifications
2
2
Languages
Work History
Manager (Priority Sector)
Bank Of Baroda
07.2022 - Current
- Coordinating and engaging with Govt. Departments for implementation of various credit financing program of state and central governments.
- Accomplished multiple tasks within established timeframes in achieving the growth of priority sector advances.
- Maximized performance by monitoring daily activities and mentoring team members at branch level to achieve the desired growth in credit and enhanced compliance.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery at field level.
- Improved marketing and conducting credit outreach programs to attract new customers and promote business in food and agro and other core agri. areas.
- Developing and maintaining relationships with customers for sourcing leads in food & Agro and Poultry segments in particular for achieving the allotted targets.
Credit Officer
Bank of Baroda
05.2021 - 07.2022
- Developed key relationships with clients by providing exceptional service and fostering long-term relationship with our bank.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default and subsequent slippages of account to NPA.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
- Recovery of sick accounts of clients with continuous follow up to clear the books of branch.
Joint Manager (Operations & Credit)
Bank of Baroda
05.2018 - 05.2021
- Led cross-functional teams to achieve project goals on time and within budget constraints.
- Drove sales growth through targeted marketing campaigns, product promotion activities, and effective lead generation tactics.
- Enhanced team performance by implementing innovative management techniques and strategies.
- Coordinated resources effectively, ensuring timely completion of projects and tasks across multiple departments.
Assistant Manager (Operations)
Bank of Baroda
06.2017 - 04.2018
- Improved customer satisfaction rates by closely monitoring service quality and addressing issues promptly.
- Handled escalated customer complaints effectively by resolving issues while maintaining strong client relationships throughout the process.
- Ensured compliance with industry regulations, company policies, and safety standards to maintain a secure working environment.
Credit Officer
Bank of Baroda
07.2016 - 06.2017
- Checked appraisals, title information and insurance documents for each property.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Managed a diverse portfolio of commercial loans, maintaining strong client relationships while mitigating risk exposure for the organization.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
Education
Ph.D. - Agricultural Extension
Tamil Nadu Agricultural University
Coimbatore 04.2001 -
Master of Science - Agricultural Extension
Tamil Nadu Agricultural University
Coimbatore 04.2001 -
Bachelor of Science - Agriculture
Tamil Nadu Agricultural University
Madurai 04.2001 -
Higher Secondary - Higher Secondary
Vidya Vikaas Matric. Higher Sec. School
Trichengode 04.2001 -
Skills
1 Team leadership
Certification
Moody's Certificate in Commercial Credit
Jogging and Reading fictional and auto-biographies
My day starts with 2 Kms of Jogging. And i used to read fictional stories and auto-biographies of important personalities. Jogging and reading helps me to maintain my physical and emotional health respectively.
Timeline
JAIIB (Junior Associate of the Indian Institute of Bankers)
11-2024
Moody's Certificate in Commercial Credit
05-2024
Manager (Priority Sector)
Bank Of Baroda
07.2022 - Current
Credit Officer
Bank of Baroda
05.2021 - 07.2022
Joint Manager (Operations & Credit)
Bank of Baroda
05.2018 - 05.2021
Assistant Manager (Operations)
Bank of Baroda
06.2017 - 04.2018
Credit Officer
Bank of Baroda
07.2016 - 06.2017
Ph.D. - Agricultural Extension
Tamil Nadu Agricultural University
04.2001 -
Master of Science - Agricultural Extension
Tamil Nadu Agricultural University
04.2001 -
Bachelor of Science - Agriculture
Tamil Nadu Agricultural University
04.2001 -
Higher Secondary - Higher Secondary
Vidya Vikaas Matric. Higher Sec. School
04.2001 -
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