Umesh Chandra Nayak
Bangalore
Summary
Seasoned banking professional with over 15 years of experience in the BFSI sector, specializing in retail banking, credit, compliance, operations, and customer service. Demonstrated leadership in managing teams, driving business growth, and enhancing operational efficiency while aligning financial strategies with regulatory requirements and customer expectations. Prepared to tackle the challenges of a Senior Manager role by combining a deep understanding of business operations with a commitment to team success and impactful results. Recognized for adaptability in dynamic environments and a collaborative approach to problem-solving, leveraging strong analytical and decision-making skills to deliver strategic value to financial institutions.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Senior Manager
Canara Bank
09.2013 - Current
- - Led multiple branches and teams across retail banking operations, credit, compliance, and business development.
- - Handled end-to-end credit underwriting for MSME and retail loans with focus on risk mitigation and compliance.
- - Ensured adherence to RBI and internal audit guidelines, reducing audit observations significantly.
- - Improved branch profitability by driving CASA growth, cross-selling insurance and investment products, and enhancing customer engagement.
- - Mentored junior officers and new joiners on banking operations and compliance standards.
- Provided strong leadership to enhance team productivity and morale.
- Led cross-functional teams to achieve project milestones and deliver high-quality results.
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Improved team performance by providing comprehensive training and fostering a collaborative work environment.
- Collaborated closely with peers from other departments to drive organizational success jointly as one cohesive unit.
- Reduced costs, optimized resource allocation, and improved efficiency in managing projects.
- Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.
- Mentored junior staff members for skill development and career progression within the organization.
- Implemented and developed operational standards, policies and procedures.
- Achieved operational excellence by streamlining processes and implementing best practices.
- Demonstrated exceptional adaptability in navigating complex situations or rapidly changing environments with ease.
- Balanced competing priorities efficiently while maintaining focus on critical tasks requiring immediate attention.
- Increased customer satisfaction with timely project deliveries and seamless communication.
Officer
Union Bank of India
06.2011 - 09.2013
- - Managed core banking operations, including cash, clearing, customer service, and account management.
- - Assisted in loan documentation, KYC compliance, and service delivery.
- - Contributed to branch business targets through customer acquisition and cross-selling initiatives.
Relationship Manager
Reliance Nippon Mutual Fund
05.2010 - 06.2011
- - Built and managed a portfolio of retail investors and channel partners.
- - Promoted mutual fund schemes, conducted investor awareness programs, and achieved monthly AUM targets.
- - Developed strong B2B relationships with banking channels and distributors.
Education
MBA - Fianance And Marketing
Siksha O Anusandhan
Bhubaneswar ,Odisha01.2010
Skills
- Comprehensive understanding of banking sectors
- Credit risk evaluation skills
- Experience in compliance with financial regulations
- Customer experience management
- Banking operations management
- Process optimization
- Proficient in managing retail and MSME loan workflows
- Financial and sales strategy
- Interdepartmental collaboration
- Goal-oriented planning
- Effective communication in cross-functional teams
- Operational efficiency
- Interdisciplinary team management
Certification
- NISM Series V-A: Mutual Fund Distributors (if applicable)
- JAIIB/CAIIB/AML-KYC
- Diploma in Treasury Investment & Risk Management
- Preparing for CFA
Languages
English
Hindi
Kanada
Tamil
Odiya
Hobbies and Interests
Banking Strategy, Financial Consulting, Credit Risk, Compliance Advisory, Customer Experience Transformation
Timeline
Senior Manager
Canara Bank
09.2013 - Current
Officer
Union Bank of India
06.2011 - 09.2013
Relationship Manager
Reliance Nippon Mutual Fund
05.2010 - 06.2011
MBA - Fianance And Marketing
Siksha O Anusandhan
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