Vijayaraaghavan Elangaipandian
Manager -Emerging Corporate Group
Coimbatore,TN
Summary
Experienced banking professional with 12+ years in effectively managing MSME and emerging corporate client portfolios. Expertise in financial analysis, credit assessment, relationship management, and client acquisition within the MSME sector. Skilled in risk management, financial statement analysis, and credit appraisal. Strong track record of training and certifications in financial services and corporate banking.
Overview
2025
2025
years of professional experience
9
9
Certifications
2
2
Languages
Work History
Manager - Emerging Corporate Group
South Indian Bank
4 2024 - Current
- Managed emerging corporate clients focusing on portfolio growth and client retention
- Conducted detailed financial analyses and credit assessments for tailored client solutions
- On boarded new MSME clients through self-sourced leads and branch referrals
- Organized client meetings and site visits to assess requirements
- Facilitated loan processing by managing credit risk and legal approvals
- Handled complete loan process from application collection to disbursement, managing legal aspects
- Managed credit monitoring activities and customer visits
- Tailored credit facilities to meet SME requirements
- Facilitated meetings for credit appraisal report approvals and decision-making
Relationship Manager, MSME Business Group
South Indian Bank
05.2021 - 04.2024
- Responsible for managing relationship of existing accounts with exposure above 2 crores of 5 branches under Coimbatore cluster
- Addressed and resolved customer complaints in efficient, effective and timely manner
- Managed and sourced business accounts with annual turnover of up to Rs.250 crores
- Analyzed financial statements and client portfolios to provide customized investment advice, enhancing client wealth
- Supported operations, trade finance, credit compliance, KYC, and customer relations for MSME group
- Liaised with sales, marketing and management teams to develop solutions and achieve objectives
Credit Officer
South Indian Bank
12.2016 - 05.2021
- Supported Branch Head in credit appraisal for MSME and retail loans, including housing, vehicle, and mortgage loans, overseeing a portfolio of INR 400 crore at one of the largest branches in Coimbatore
- Appointed as SME Client Relationship Manager (CRM) in 2018, managing a core book of INR 225 crore as the primary point of contact for B-segment clients, while driving cross-selling initiatives
- Conducted in-depth due diligence on potential clients and competitors to ensure compliance with risk management standards
- Skilled in loan documentation, approval, and disbursement processes, ensuring prompt and accurate service delivery
- Developed comprehensive credit appraisal reports for CPC Committees, aiding in strategic credit decisions
- Cultivated and deepened relationships with existing and prospective MSME clients, fostering portfolio growth and client retention
Branch Operations Manager
South Indian Bank
06.2013 - 12.2016
- Led branch operations independently as the sole officer, managing a business portfolio of INR 75 crore while optimizing daily workflows to improve operational efficiency
- Performed dual roles as Cash Officer and Gold Loan Officer, ensuring smooth handling of cash transactions and gold loan processing
- Supported the Branch Manager in client visits, property valuations, and credit appraisals, contributing to accurate assessments and informed decision-making
- Developed skills in credit management, financial analysis, and retail lending through continuous training and hands-on experience
Probationary Officer
South Indian Bank
06.2012 - 06.2013
- Held progressively responsible positions across different branches, gaining extensive knowledge in branch operations, customer service, and team management
- Assisting the Branch Manager in Shifting the branch to another Location
Education
Bachelor of Engineering (B.E) - Computer Science Engineering
Shri Ramakrishna Engineering College
Coimbatore, Tamilnadu05-2012
Skills
MSME Banking Expertise
Retail Banking Proficiency
Credit Assessment & Loan Structuring
Financial Analysis
Client Relationship Management
Continuous Professional Development
Comprehensive Product Knowledge
Problem Solving & Decision-Making
Regulatory Compliance
Multitasking Abilities
Certification
JAIIB, IIBF
Accomplishments
- Played a key role in achieving the record business milestone of 100 Cr in single year in South Indian bank and conducted credit appraisal over 30 files contributing the branch overall performance
- Canvassed Third Party Accounts for Corporate Tie up like Kotak, SBI, HDFC Life insurance and qualified for MD CLUB qualifier campaign for FY 21-22
- Certificate of appreciation during exemplary performance during the super league conducted in FY 20-21
Timeline
Relationship Manager, MSME Business Group
South Indian Bank
05.2021 - 04.2024
Credit Officer
South Indian Bank
12.2016 - 05.2021
Branch Operations Manager
South Indian Bank
06.2013 - 12.2016
Probationary Officer
South Indian Bank
06.2012 - 06.2013
Manager - Emerging Corporate Group
South Indian Bank
4 2024 - Current
Bachelor of Engineering (B.E) - Computer Science Engineering
Shri Ramakrishna Engineering College