PRAHLAD KUMAR
BANKER
Chennai
Summary
With a robust background at Indian Overseas Bank, I excelled in credit analysis and relationship building, notably enhancing loan feasibility and customer satisfaction. My proactive approach in mitigating risks and fostering client loyalty led to significant achievements, including the successful launch of a new branch and commendation for optimizing loan processes. Bank has recognised my hardwork by documenting total 3 appreciation for achieving target of SGB, being 1st position PAN India in NPA up-gradation and continuous efforts taken to realise the old (since 2013) CGTMSE Claims.
Overview
12
12
years of professional experience
5
5
Certifications
2
2
Languages
Work History
Advance or Credit Manager
Indian Overseas Bank
08.2012 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Received an appreciation by GM for re-lodgement and successfully getting CGTMSE claims old accounts rejected by trust.
Credit Risk Manager
Indian Overseas Bank
09.2023 - 05.2024
- Mitigated potential losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality.
- Conducted regular stress tests to assess potential vulnerabilities within the loan portfolio, ensuring adequate capital buffers were maintained.
Branch Head
Indian Overseas Bank
01.2021 - 08.2023
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
Advance Officer and 2nd Line Manager
Indian Overseas Bank
06.2018 - 12.2020
- Established effective relationships with key clients of the branch and fulfill their business requirement as per bank polity.
- Mentored junior staff members, helping them develop their skills and advance in their careers.
- Implemented process improvements that streamlined workflows, reducing redundancies and increasing operational efficiency.
Branch Head
Indian Overseas Bank
07.2015 - 05.2018
- Enhanced branch profitability by employing strategic sales approaches and fostering customer loyalty.
- Implemented innovative marketing campaigns to expand the branch''s market presence and attract new clients.
- Enhanced customer satisfaction with responsive service and timely resolution of issues.
- Got an opportunity to set up a new branch and gained lots of experience to tackle primary challenge of getting new clients and business.
- Complied with regulatory guidelines and requirements.
General Banking Officer
Indian Overseas Bank
08.2013 - 06.2015
- Optimized workflow processes by automating repetitive tasks, allowing more time for value-added activities such as customer engagement.
- Enhanced client relationships through regular communication, providing personalized product recommendations based on individual financial needs.
- Conducted thorough market research to stay informed of industry trends, ensuring competitive offerings for customers.
Probationary Officer
Indian Overseas Bank
08.2012 - 07.2013
- Increased customer satisfaction by addressing and resolving banking-related inquiries and concerns in a timely manner.
- Ensured compliance with banking regulations by diligently adhering to established policies and procedures during daily operations.
- Reduced operational errors by implementing efficient record-keeping practices and maintaining accurate account documentation.
Education
MBA - HR
SMU-DE
Distance Education 04.2001 -
CAIIB - Baking
Indian Institute of Banking And Finance
04.2001 -
Bachelor of Science - Mathematics
Magadh University, Bodh-Gaya
Patna 04.2001 -
Skills
Credit analysis
Performance monitoring
Loan decision assessments
Relationship building
Problem-solving abilities
Certification
Certificate course on MSME
Timeline
Credit Risk Manager
Indian Overseas Bank
09.2023 - 05.2024
Branch Head
Indian Overseas Bank
01.2021 - 08.2023
Certificate course on MSME
08-2019
Prevention of Cyber Crimes and Fraud Management
08-2019
AML and KYC
06-2019
Advance Officer and 2nd Line Manager
Indian Overseas Bank
06.2018 - 12.2020
Branch Head
Indian Overseas Bank
07.2015 - 05.2018
Customer Service & Banking Codes and Standard
02-2015
JAIIB
02-2014
General Banking Officer
Indian Overseas Bank
08.2013 - 06.2015
Advance or Credit Manager
Indian Overseas Bank
08.2012 - Current
Probationary Officer
Indian Overseas Bank
08.2012 - 07.2013
MBA - HR
SMU-DE
04.2001 -
CAIIB - Baking
Indian Institute of Banking And Finance
04.2001 -
Bachelor of Science - Mathematics
Magadh University, Bodh-Gaya
04.2001 -
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