Viral Patel
Address:- House no 12, Gopal Nagar Society, Parvat Patiya, Surat Gujarat
Summary
Results-driven Banking Opeartions and Relationship Management Leader with more then 8 years of experience in branch operations, credit, retail banking, and corporate acquisition. Proven track record of managing high value portfolios, leading cross functional teams, and driving profitability while ensuring compliance and superior customer experience. Skilled in scaling branch performance, optimizing operations, and building long-term client relationships.
Overview
9
9
years of professional experience
4
4
years of post-secondary education
1
1
Certification
Work History
Branch Operation Head (Credit Officer)
South Indian Bank Ltd.
Surat
12.2023 - Current
- Lead end to end branch operations for a 250cr portfolio, ensuring audit compliance and operational excellence.
- Managed and mentored a team of relationship managers, improving productivity and service delivery.
- Oversaw retail loan portfolio (up to 2cr) including home loans, vehicle loans, personal loans, and MSME lending.
- Directed complete loan lifecycle: acquisition, appraisal, documentation, and disbursement.
Senior Relationship Manager: (NRI Banking)
South Indian Bank Ltd.
Ahmedabad
12.2021 - 11.2023
- Managed 100cr NRI portfolio across Gujarat region.
- Managed the sale and promotion of trade finance and FX products including import, export, remittance, LC, BG.
- Lead a team of 4 relationship managers and drove portfolio growth.
- Developed new business through referrals, brokers and overseas networks.
- Advised clients on investment products and wealth solutions.
- Ensured strict adherence to regulatory frameworks (KYC/SEBI/RBI).
Corporate Acquisition Manager
Kotak Mahindra Bank Ltd
Surat
12.2019 - 11.2021
- Acquired and managed corporate client relationship, expanding the bank's business portfolio.
- Acted as the primary point of contact for corporate clients and key decision-makers.
- Delivered customized banking solutions for employee banking and corporate accounts.
- Maintained high service standards and ensured compliance with internal processes.
- Strengthened client retention through proactive engagement and service excellence.
Relationship Manager
Axis Bank Ltd
Surat
06.2017 - 12.2019
- Managed and expanded relationship with retail and corporate clients.
- Identified sales opportunities and increased revenue through cross-selling.
- Acquired new customers and strengthened existing portfolios.
Education
Bachelors Of Engineering - Electrical Engineering
Gujarat Technological University
June 2012 To June 2016. , CGPA-8.34 06.2012 - 06.2016
Maharashtra State Board
HSC- Science February 2012, Percentage- 77.83Gujarat Secondary And Higher Secondary Education Board
SSC March 2010 , Percentage- 76.15Skills
- Banking operations and compliance
- Retail & corporate banking
- Credit & loan lifecycle management
- NRI banking & portfolio management
- Team leadership & staff development
- Business development
Certification
- FEDAI: Certificate course in Foreign Exchange
- NISM Series-V-A: Mutual fund Distributor's certificate
- IRDA: Registration of corporate agents (composite)
Languages
- English
- Gujarati
- Hindi
Timeline
Branch Operation Head (Credit Officer)
South Indian Bank Ltd.
12.2023 - Current
Senior Relationship Manager: (NRI Banking)
South Indian Bank Ltd.
12.2021 - 11.2023
Corporate Acquisition Manager
Kotak Mahindra Bank Ltd
12.2019 - 11.2021
Relationship Manager
Axis Bank Ltd
06.2017 - 12.2019
Bachelors Of Engineering - Electrical Engineering
Gujarat Technological University
06.2012 - 06.2016
Maharashtra State Board
Gujarat Secondary And Higher Secondary Education Board