Vineeth Usha Vijayakumar
Trivandrum
Summary
Experienced in credit management and portfolio growth, with a strong focus on financial analysis and strategic decision-making. Demonstrates proficiency in CRM software and core banking systems, complemented by expertise in digital banking and operational risk management. Adept at SWIFT payment processing and anti-money laundering compliance, ensuring customer satisfaction through effective complaint resolution and relationship management. Skilled in team leadership and staff training, leveraging problem-solving abilities to drive organisational success. Aspires to enhance operational efficiency and expand financial services through innovative strategies.
Detailed orientated individual experienced in administrative procedures. Oversees day-to-day duties with strong planning and organisation skills to delivers projects in timely manner.
Overview
12
12
years of professional experience
2012
2012
years of post-secondary education
1
1
Certification
Work History
Deputy Manager Advances (Credit)
State Bank of India
Trivandrum
07.2023 - 05.2025
- Oversee a ₹250 Crore portfolio of Auto, Personal, Pension, and Housing Loans, driving ₹30 Crore growth (from ₹220 Crore) in 2024-25, surpassing ₹28 Crore target.
- Streamline loan processing to reduce approval time by 20% through process optimization.
- Implement risk assessment frameworks, reducing default rates by 15% while ensuring RBI compliance.
- Resolve high-value customer complaints, achieving a 95% satisfaction rate for credit disputes.
- Awarded Top Performer in Auto Loans (Regional Level) in 2024.
Assistant Manager (Service Manager, Operational Role)
State Bank of India
Kottayam
01.2020 - 06.2023
- Managed operational risk for a branch, implementing controls that reduced operational losses by 18%.
- Oversaw branch operations, including SWIFT payment processing for international transactions, ensuring compliance with global standards.
- Led 3 Associates, training them on risk management, digital banking (YONO), AML protocols, and customer service, improving efficiency by 15%.
- Reduced complaint escalations by 25% through streamlined resolution processes.
- Conducted market analysis to enhance loan products, contributing to a 10% revenue increase.
Senior Associate (Digital Banking & Credit)
State Bank of India
Trivandrum
06.2016 - 12.2019
- Supported development and troubleshooting of digital banking products (BHIM SBI Pay, YONO), resolving 90% of mobile app complaints within 24 hours and assisting walk-in customers with technical issues.
- Processed Auto and Housing Loan applications, achieving a 98% approval accuracy rate.
- Promoted digital loan products, driving a 20% increase in customer adoption.
- Handled SWIFT payment transactions, ensuring compliance with international banking standards.
Junior Associate
State Bank of India
Trivandrum
01.2013 - 05.2016
- Processed Auto and Personal Loan applications and SWIFT payments, achieving a 95% customer satisfaction rating.
- Supported rollout of digital banking products, providing frontline troubleshooting for YONO and mobile app users.
- Ensured regulatory compliance, contributing to successful branch audits.
Education
Bachelor of Technology - Automobile Engineering
SRM University
Skills
- Credit Management
- Portfolio Growth
- Financial Analysis
- Data interpretation and reporting
- Proficient in crm software
- Strategic decision-making
- Digital Banking
- Operational Risk Management
- SWIFT Payment Processing
- Anti-Money Laundering Compliance
- Customer Complaint Resolution
- Relationship Management
- Team Leadership
- Staff Training
- Core Banking Systems
- Microsoft Excel
- CRM Software
- Strategic Decision-Making
- Problem-Solving
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Certification
- CAIIB (Certified Associate of Indian Institute of Bankers), Indian Institute of Banking & Finance, 01/01/22
- JAIIB (Junior Associate of Indian Institute of Bankers), Indian Institute of Banking & Finance, 01/01/19
- Internal AML Certificate, State Bank of India, 01/01/21
Languages
English (Fluent)
Hindi (Fluent)
Malayalam (Fluent)
Custom
Top Performer in Auto Loans, State Bank of India (Regional Level), 2024
Timeline
Deputy Manager Advances (Credit)
State Bank of India
07.2023 - 05.2025
Assistant Manager (Service Manager, Operational Role)
State Bank of India
01.2020 - 06.2023
Senior Associate (Digital Banking & Credit)
State Bank of India
06.2016 - 12.2019
Junior Associate
State Bank of India
01.2013 - 05.2016
Bachelor of Technology - Automobile Engineering
SRM University
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