varunbabu Ramkumar
Tirupur
Summary
Dynamic Branch Manager at Federal Bank with a proven track record in credit assessment and effective team management. Enhanced customer satisfaction and reduced delinquency rates through strategic initiatives. Adept at building client relationships while consistently exceeding performance targets. Skilled in optimizing operational efficiency and fostering team development.
Results-driven management professional with extensive experience in leading branch operations and maximizing efficiency. Known for fostering collaborative work environment and achieving high-performance results. Reliable and adaptable, with excellent skills in leadership and client relations.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Branch Manager
Federal Bank
07.2016 - Current
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
- Made decisions and recommendations about extending lines of credit.
- Gathered loan documentation for underwriting.
- Participated in loan committee meetings to provide input on lending processes.
- Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
Loan Recovery Officer
Federal Bank
04.2013 - 07.2016
- Exceeded monthly targets consistently throughout the tenure due to consistent follow-up activities combined with effective negotiation skills.
- Assisted in creating policies and procedures for the efficient operation of the collections department, streamlining processes and improving overall performance.
- Utilized advanced analytical skills to identify patterns among delinquent accounts, enabling targeted interventions for maximum impact on revenue recovery efforts.
- Improved company''s recovery rate by efficiently managing a portfolio of overdue loans and credit card accounts.
Customer Service Executive
South Indian Bank
05.2010 - 05.2012
- Provided company information and policies to customers upon inquiry and answered questions via phone, email, or online chat.
- Enhanced customer satisfaction by promptly addressing inquiries and resolving issues.
- Escalated critical customer issues to supervisor to avoid lost revenue and canceled policies.
- Boosted customer retention rates by providing exceptional service and building rapport with clients.
Process Executive
Royal Bank of Scotland, RBS
02.2010 - 04.2010
- Collaborated closely with other departments for achieving operational excellence across the organization.
- Investigated basic issues and escalated more complicated concerns.
- Answered telephone or online requests and completed interactions quickly to meet productivity goals.
- Improved process efficiency by analyzing, identifying bottlenecks, and implementing corrective actions.
Education
MBA - Finance And Marketing
Anna University Coimbatore
Coimbatore08-2009
Skills
- Effective branch management
- Credit assessment
- Team management
- Client support
- Client relationship management
- Proficient in meeting deadlines
Accomplishments
Successfully implemented **Digital Village Adoption Project**, piloting banking services in rural areas, fostering financial inclusion.
- Successfully implemented new compliance frameworks, reducing risk exposure by 20%.
- Increased branch efficiency by 25% through optimized operations.
- Earned three straight career elevations, showcasing adaptability and consistent excellence.
Certification
Junior Associate of the Indian Institute of Bankers (JAIIB)
Certified Associate of the Indian Institute of Bankers (CAIIB)
Certified Compliance Professional
Certificate in Commercial Credit (Moody's Analytics)
Diploma in Treasury, Investment, and Risk Management
Languages
English
Advanced (C1)
Timeline
Branch Manager
Federal Bank
07.2016 - Current
Loan Recovery Officer
Federal Bank
04.2013 - 07.2016
Customer Service Executive
South Indian Bank
05.2010 - 05.2012
Process Executive
Royal Bank of Scotland, RBS
02.2010 - 04.2010
MBA - Finance And Marketing
Anna University Coimbatore
Similar Profiles
Rathish RRathish R
EVP & Country Head-Business Banking at Federal BankEVP & Country Head-Business Banking at Federal Bank
SHREEDHAR KHAIRNARSHREEDHAR KHAIRNAR
Data intern at Federal BankData intern at Federal Bank
Arularasu VArularasu V
Associate Vice President-Treasury Sales at Federal BankAssociate Vice President-Treasury Sales at Federal Bank