Vipin Vijayan
Vaisakh Ho, Bhumivathukkal Po
Summary
Dynamic professional with extensive experience in team management and sales strategy development at Esaf Small Finance Bank. Proven track record in enhancing customer relationships and driving sales performance. Adept at utilizing business intelligence to identify trends and implement effective solutions, fostering a collaborative and high-performing work environment.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Deputy Branch Manager
Esaf Small Finance Bank
03.2025 - Current
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
- Utilized CRM systems to manage customer relationships and personalize sales efforts.
- Fostered a positive work environment, encouraging teamwork and employee engagement.
- Managed a team of sales associates, ensuring high levels of customer service and sales performance.
- Developed and implemented sales strategies to achieve monthly and annual sales targets.
- Analyzed sales data to identify trends and adjust sales strategies accordingly.
- Enhanced sales volume through skilled support to both new and inactive customers.
Asst Manager - FCU
IIFL Samasta Finance Ltd
02.2023 - 02.2025
- Examining existing rules and procedures to minimize corruption.
- Identifying sensitive areas, and monitoring personnel.
- Monitoring cash intake and deposit records for accuracy.
- Mentoring team members for professional development and accountability.
- Conducting thorough investigations on referred files.
- Reviewing suspicious reports and transactions to uncover fraudulent activity.
- Analyzing large data sets for patterns of fraud.
- Producing detailed reports of fraud investigations.
- Maintaining positive relationships with law enforcement agencies.
- Conducting risk assessments and prioritizing investigations.
- Implementing internal controls for financial records integrity.
- Directly contacting customers to minimize fraudulent activity impacts.
- Applying effective time management techniques to meet tight deadlines.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies
- Mentored team members to enhance professional development and accountability in workplace
- Supervised day-to-day operations to meet performance, quality and service expectations
Branch Manager MFI (RM)
Axis bank
06.2021 - 12.2022
- Achieve growth and hit sales targets by successfully managing the sales team
- Design and implement a strategic business plan that expands company's customer base and ensure its strong presence
- Managing recruiting, objectives setting, coaching and performance monitoring of sales representatives
- Build and promote strong, long-lasting customer relationships by partnering with them and understanding their needs
- Present sales, revenue and expenses reports and realistic forecasts to the management team
- Managing daily operations of branch, Supervision of branch staff in implementing Microfinance program strategies.
- Engaged employees in business processes with positive motivational techniques.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Generated financial and operational reports to assist management with business strategy.
Assistant Audit Manager -RCU
L&T Micro Finance
07.2018 - 05.2020
- Conducting fraud investigation
- Supporting collection in various verifications and tracing skip customers
- Checking the document provide by the customer for loan through the system
- Objectively review an organization's business processes
- Evaluate the efficacy of risk management procedures that are currently in place
- Protect against fraud and theft of the organization assets
- Ensure that the organization is complying with relevant laws and statutes
- Make recommendations on how to improve internal controls and governance processes
- Loan disbursement document verification, Customer KYC verification, individual customer verification, Register verification, Branch Auditing, Online Auditing, Account Statement Verification, Receipt Auditing, Disbursement Auditing.
- Coordinated, managed and implemented auditing projects and prepared for evaluation.
- Recommended changes to management regarding financial operations.
- Trained and mentored department staff on policies and procedures to establish strong foundation for client development and service activities.
Internal Auditor
Indel Money
06.2017 - 06.2018
- Branch Auditing: Auto Loan, Business Loan, Gold Loan, Money Transfer, Insurance, Traders Loan, NCD/BOND document verification
- Registers verification
- Performing the full audit cycle including risk management over operations effectiveness, financial reliability and compliance with all applicable directives and regulations
- Hotel Auditing: Stock verification, Payment voucher verification, Asset verification, Cash verification.
- Performed internal audits of financial and departmental operations, developing risk assessments and conducting process walkthrough for compliance with documented processes.
- Developed auditing program to address risks and evaluate regulatory requirements.
- Performed strategic planning, execution and finalization of audits using data analytics and critical thinking skills.
- Handled all major risks in collaboration with management.
Internal Auditor
Muthoot Fincorp Ltd.
04.2013 - 05.2017
- Documented recommendations to improve internal controls.
- Evaluated company's policies to determine how well standards adhered to best practices.
- Prepared and distributed risk and audit reports to appropriate personnel.
- Performed strategic planning, execution and finalization of audits using data analytics and critical thinking skills..
- Developed auditing program to address risks and evaluate regulatory requirements.
- Recommended new methods to improve internal controls and operating efficiency.
- Guided departments in developing remediation plans based on audit findings and recommendations.
- Performed internal audits of financial and departmental operations, developing risk assessments and conducting process walk through for compliance with documented processes
- Developed auditing program to address risks and evaluate regulatory requirements
Education
MBA - HR/Finance
Vinayaka Mission University
TamilnaduBA - Economics
Calicut University
KozhikodePre University Education - Commerce
Kerala State Board
KozhikodeSkills
- Team management
- Deficiency documentation
- Customer relationship management
- Performance monitoring
- Business intelligence gathering
- Multitasking Abilities
- Conflict resolution
- Sales strategy development
Certification
- MS office
- DTP
- Tally
Languages
Malayalam,English,Hindi,
Personal Information
- Date of Birth :26/03/1989
- Gender : Male
- Marital Status : Married
Work And Volunteer Experience
- NCC with B Certificate
- Participated in intercollegiate management meet conducted on 9th march 2012 by RKKR School of Management studies.
- Participated in the work shop and competition titled 'AN IDEA TO EXECUTION FOR ENTREPRENEURS' An initiative by nature talent academy and intaglio 2013-The
international business summit of IIM Calcutta.
- Participated in one-day seminar on EXPORT PROCEDURES AND DOCUMENTATION by
Salem productivity council.
- Participated in one-day seminar on EXPORT-IMPORT RELATED FOREIGN EXCHANGE
MANAGEMENT/OVERSEAS INVESTMENT -Organized by Salem productivity council.
Languages
Malayalam
English
Hindi
Timeline
Deputy Branch Manager
Esaf Small Finance Bank
03.2025 - Current
Asst Manager - FCU
IIFL Samasta Finance Ltd
02.2023 - 02.2025
Branch Manager MFI (RM)
Axis bank
06.2021 - 12.2022
Assistant Audit Manager -RCU
L&T Micro Finance
07.2018 - 05.2020
Internal Auditor
Indel Money
06.2017 - 06.2018
Internal Auditor
Muthoot Fincorp Ltd.
04.2013 - 05.2017
MBA - HR/Finance
Vinayaka Mission University
BA - Economics
Calicut University
Pre University Education - Commerce
Kerala State Board
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