VENKATRAMANAN M G
Banking Professional
Coimbatore
Summary
Professional Summary :
Results driven Banking professional with a solid foundation in Financial analysis, Risk Assessment and customer relationship management. 12 years of experience in the banking industry including roles in all kind of liability products (SB, CA & TDs), all front line operations, retail banking, commercial banking and financial analysis. Expertise in evaluating creditworthiness managing loan portfolios and delivering financial solutions tailored to customer needs. Adept at analyzing financial statements, conducting market research and providing strategic financial recommendations.
Prior to Banking, having 3 years of experience of work experience in NBFC sector.
Overview
15
15
years of professional experience
7
7
Certifications
Work History
Relationship Manager
The Karur Vysya Bank Ltd
04.2023 - Current
- Servicing customers and processing of MSME Loan Accounts with Exposure from Rs.3 Crores to Rs.25 Crores
- Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
- Played crucial role in retaining valuable clients during periods of market volatility by addressing concerns proactively and providing expert guidance on portfolio adjustments.
- Coordinated efforts between various departments such as credit processing team, sanctioning team and branch operations teams for smooth delivery of services to clients.
- Conducting periodical unit visits and market enquiries
Branch Manager
The Karur Vysya Bank Ltd
04.2019 - 03.2023
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Sourcing of all kind of Banking Business importantly all kind of retail, commercial and agri loan products in LOS (Loan Originating System) software.
- Boosted branch performance by 187% through targeted marketing campaigns aimed at attracting new clients and retaining existing ones in Liability part and Loans department.
- Recovery of SMA/NPA accounts by using recovery measures such as Lok Adalat, OTS and SARFAESI Act etc.,
- Generating MIS reports for monitoring/enhancement of business performance
- Preparation and maintenance of loan documents
Branch Operations Manager
The Karur Vysya Bank Ltd
04.2017 - 03.2019
- Incharge of Branch banking operation such as financial transactions in CBS, CASA Accounts opening through AOS Module, SMA/NPA recoveries, handling of loan proposals and maintenance of SAFE Module for safe deposit locker operations etc.,
Assistant Manager
The Karur Vysya Bank Ltd
05.2015 - 03.2017
- Handling of retail and commercial loan processing in LAPS module (loan software)
- Maintained Post Sanction follow up for all disbursed loans
Teller/Clerk
The Karur Vysya Bank Ltd
03.2012 - 04.2015
- Streamlined teller operations such as CBS operations of SB, CA, TD and loan accounts by maintaining organized workspaces and adhering to policies and procedures.
- Demonstrated adaptability during peak business hours by multitasking and prioritizing tasks to maintain efficiency and quality of service.
- Supported team members in achieving branch goals through collaboration, communication, and shared responsibilities.
- Served as primary point of contact for servicing customers with account inquiries, resolving their issues promptly and professionally.
- Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
- Handled various accounting transactions such as executing NEFT/RTGS transfers, stop payments and cash payments/receipts with accuracy and efficiency.
Executive
Larson And Toubro Finance Ltd
11.2010 - 03.2012
- Handled Micro Finance loans disbursement and collections
- Achieved 100% Collections/repayments during my tenure
Relationship Officer
Equitas Micro Finance Ltd
12.2008 - 11.2010
- Managed a portfolio of clients, ensured scheduled fortnight collections and cross selling of financial products.
- Achieved 100% collections/repayments during my tenure
Education
MBA - HR And Marketing
Bharathidasan University
Trichy 04.2001 -
Bachelor of Science - HMS
Bharathidasan University
Trichy 04.2001 -
Skills
Business Planning
Quality Assurance
Services to HNI Customers
Financial Analysis
MIS Generations
Loan processing
Loan documentation and disbursement
Recovery of Loan Accounts
Overall understanding of Core Banking solutions
Strong communication skills - Written and Oral (English and Tamil)
Certification
Diploma in Computer Applications
Awards and Achievements
- Got "KVB RATHNA" Award on 07.02.2023 for the achievement of High Century Score (CSB) for the Business parameters.
- Received Certificate of Appreciation dated 09.05.2022 for securing 2nd Place under PL Secured sanction during April 2022.
- Received Certificate of Appreciation dated 07.4.2022 for securing "Wheel Kings - First Place" under Vehicle loans during March 2022.
- Received Certificate of Appreciation dated 07.04.2022 for securing First Place (Year to date) under vehicle loan disbursements during FY 2021-22.
- Received Certificate of Appreciation dated 10.03.2022 for securing "Wheel Kings - 3rd Place" under Vehicle loans during February 2022.
- Received Certificate of Appreciation dated 10.03.2022 for securing "Year to date Topper" under vehicle loan disbursements during FY 2021-22.
- Received Certificate of Appreciation dated 14.02.2022 for securing "Year to date Topper" under vehicle loan disbursements during FY 2021-22.
- Received Certificate of Appreciation dated 06.01.2022 and crowned as "The Wheel King" under vehicle loan disbursements during December 2021.
- Received Certificate of Appreciation dated 06.01.2022 for securing "Year to date Topper" under vehicle loan disbursements during FY 2021-22.
Timeline
Relationship Manager
The Karur Vysya Bank Ltd
04.2023 - Current
Branch Manager
The Karur Vysya Bank Ltd
04.2019 - 03.2023
Branch Operations Manager
The Karur Vysya Bank Ltd
04.2017 - 03.2019
Assistant Manager
The Karur Vysya Bank Ltd
05.2015 - 03.2017
Teller/Clerk
The Karur Vysya Bank Ltd
03.2012 - 04.2015
Executive
Larson And Toubro Finance Ltd
11.2010 - 03.2012
Relationship Officer
Equitas Micro Finance Ltd
12.2008 - 11.2010
MBA - HR And Marketing
Bharathidasan University
04.2001 -
Bachelor of Science - HMS
Bharathidasan University
04.2001 -