Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Udaya Kumar M

Banker
Chennai

Summary

Accomplished 19 years extensive experience in Retail Banking Industry, spear heading efforts in Retail Assets , Operations , Credit appraisal & Liabilities.

Overview

20
20
years of professional experience

Work History

Zonal Head – Home Loans

IDFC Bank
05.2023 - Current
  • Managing Home loans Business for south India
  • Handling all internal channels - Branches, Call Center, Corporate Salary, Loan Centers, Customer Service center , employee loans & connectors.
  • Responsible for overall book hygiene and growth for South Region
  • Maintaining a healthy mix of Customer profile and profitability
  • Analyzed performance metrics, adjusting strategies as needed to meet or exceed targets consistently.
  • Collaborated with cross-functional teams to develop innovative solutions addressing specific challenges faced by the zone.
  • Continuously monitored competitive landscape analysis to maintain an up-to-date understanding of industry dynamics, informing strategic planning for the zone''s overall success.

Regional Head – Home Loans

IDFC Bank
12.2021 - 05.2023
  • Handling a team of State heads
  • Making every branch active in terms of logins
  • Liasoning with the Branch stakeholders for business generation activity in their catchment areas
  • Improved zonal performance by implementing strategic sales initiatives and effective team management.
  • Handling Home loans for South India

Circle Head – Branch Asset Desk

Axis Bank Limited
12.2020 - Current
  • Handling Retail Assets & Small Business Banking from liability branches of Axis bank in Chennai Circle
  • Handling a team of Cluster Heads
  • Strategize with Circle/Cluster Heads of Branch banking to achieve budgets
  • Maintaining product Mix of Mortgages, Small Business banking, Consumer loans and Wheels
  • Responsible for penetration of Retail Asset in Liability Customers.

Cluster Head – Branch Asset Desk

Axis Bank Limited
04.2019 - 11.2020
  • Handling a team of Asset Desk Managers
  • Strategize with Branch Managers to achieve budgets of branches Training the liability team for new products and Features
  • Liasoning with the Circle Liability team, Wealth team, Transaction banking team and Sales/ Salary team
  • Planning activities along with product teams in the branch premises & catchment areas.

Area Sales Manager – Cross Sell

Axis Bank Limited
09.2016 - 03.2019
  • Handling Retail Assets business from a set of branches in Chennai Circle Handling a team of Relationship managers Handling Mortgages, Personal loans, Gold Loans, Loan Against Securities, Car Loans, two-wheeler loans
  • Handling Working capital loans, Business loans, Educational loans & Commercial Vehicles loans from the set of branches.

Treasures Relationship Manager

Development Bank of Singapore
12.2014 - 09.2016
  • Handling Mortgage business Onboarding NTB clients and deepening the relationship End to end processing of Mortgages disbursements Responsible for PDD and documentation in line with regulations

Relationship Manager - SME

Fullerton India
11.2014 - 11.2014

Credit Manager – Mortgages

ICICI Bank Limited
04.2012 - 10.2014
  • Credit appraisals for individuals and corporates Property appraisals for valuations Collateral documentation Liasoning with technical and legal team for appraisals and opinions Collection of post disbursal documentations Directing several credit and collections department staff Managing various corporate accounts Reducing the risk of loss by implementing varying credit control measures especially for small retain accounts

Senior Privilege Banker

ICICI Bank Limited
09.2009 - 04.2012
  • Managing a team of privilege bankers Preparation of daily, weekly status reports and other MIS Participate in daily calls to discuss the day plans, issues and status of existing issues etc Review the daily call reports of the teams Responsible for the branch revenue generation Responsible for internal & regulatory audits

Manager – Retail Loans

ICICI Bank Limited
03.2005 - 09.2009
  • Sourcing all assets products from the branch customers Cross-selling secured and unsecured assets to existing liability customers of the bank Managing a team of Off- roll employees for all asset products Co-coordinating with the product teams on day-to-day business generated Encouraging branch staff to generate leads for retail asset products Conduct loan product mela to generate leads in branch premises and in the vicinity

Territory Sales Leader

American Express Bank
09.2004 - 03.2005

Education

MBA– Finance & Marketing -

Anna University, College of Engineering Guindy

BE - Mechanical Engineering - undefined

DR.M.G.R. Engineering College

Skills

Customer Relationship Management

Sales and Channel Management

Portfolio Management

Digital Banking

Cros-Selling

Stake Holder Management

Handling large teams

Expertise in all Retail Asset Products

Business forecasting

Financial Analysis

Core Banking

Accomplishments

  • Diamond Club Winner Q4F24 in Zonal Head Capacity
  • Best Zone Award – South India POD

Timeline

Zonal Head – Home Loans

IDFC Bank
05.2023 - Current

Regional Head – Home Loans

IDFC Bank
12.2021 - 05.2023

Circle Head – Branch Asset Desk

Axis Bank Limited
12.2020 - Current

Cluster Head – Branch Asset Desk

Axis Bank Limited
04.2019 - 11.2020

Area Sales Manager – Cross Sell

Axis Bank Limited
09.2016 - 03.2019

Treasures Relationship Manager

Development Bank of Singapore
12.2014 - 09.2016

Relationship Manager - SME

Fullerton India
11.2014 - 11.2014

Credit Manager – Mortgages

ICICI Bank Limited
04.2012 - 10.2014

Senior Privilege Banker

ICICI Bank Limited
09.2009 - 04.2012

Manager – Retail Loans

ICICI Bank Limited
03.2005 - 09.2009

Territory Sales Leader

American Express Bank
09.2004 - 03.2005

MBA– Finance & Marketing -

Anna University, College of Engineering Guindy

BE - Mechanical Engineering - undefined

DR.M.G.R. Engineering College

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