ARVIND.
M
No.9.Poonga Nagar, South Paalpannaicherry,Nagapattinam- 611003.
Mobile: +919944161667
Email: arvindsrec@gmail.com
-Business Development - Marketing & Operations - Audit & Compliance -Key Account Management -
Retail Credit - Team Management - Organizational Experience - Business Performance
Professional Synopsis
Result proven professional with more than 7+ years of experience in the areas of Business Development, Sales,
Marketing, Credit and Channel Management, Branch operation Manager.
Currently associated with REPCO HOME FINANCE LTD as Assistant Manager in Bangalore, India and previously
with KARUR VYSYA BANK as Branch Operations Manager in Tiruvarur,India.
Focus on deliverables: - Consistently delivered sales volume, revenue & profit targets Expertise in implementing
marketing strategies for building new markets/achieving business targets.
People management/leadership skills – Train, manage, motivate & lead the team.
A good team leader with proven ability to build and sustain positive work environment that fosters team
performance.
Education
Graduate in B.E. CSE
Post Graduate Diploma in Retail Banking in IFBI
Basic Credit Management Certificate from South Indian Banks Staff Training College,Bangalore.
Internship from Infosys,Mysore.
Areas of Expertise
Business Development, Marketing & Operations
Implementing competent strategies for exploring potential business avenues, developing existing business and
meeting predetermined sales targets.
Analyzing market trends, competitors’ activities and customer feedback; identifying & nurturing new &
unexplored segments of good potential for market expansion.
Audit and Compliance
Ensuring branch adheres to Know Your Customer (KYC) and Anti-Money Laundering norms at all times in day to
day operations.
Responsible for process adherence with all regulatory and statutory requirements.
Responsible for internal and external audit and compliance.
Channel Development
Developing new catch points, expanding existing network; evaluating performance & monitoring daily sales,
services and marketing activities.
Forecasting retail trends and based on market needs ensuring optimum use of products across all the key
Customers & markets.
Conceptualizing and implementing competent strategies in coordination with the branch to expand the existing
ones for a wide range of financial products and services.
Team Management
Leading, training & monitoring the performance of team members to ensure efficiency in sales operations and
meeting of individual & group targets.
Conducting meetings for setting up sales objectives and designing or streamlining processes to ensure smooth
functioning of sales operations.
Organizational Experience
Repco Home Finance Limited: 17/08/2022 – Present
Assistant Manager – Credit Officer: Bengaluru
• Review customer profiles to identify possible risks involved and ensuring compliance with applicable internal
policies and procedures and external regulations
• Adhere strictly to compliance and operational risk controls in accordance with Company and regulatory standards,
policies and practices; report control weaknesses, compliance breaches and operational loss events.
• Preparing a brief appraisal note which contains all essential information about the applicant, drafting the terms and
conditions depending on the category of the applicant and submitting it to the sanction authority for approval.
• Presentation of Proposals to Credit Committee at Central Office/Divisional office.
Karur Vysya Bank Ltd. from August 2014 to June 2021
Assignments
Asst. Manager - Relationship Officer – Retail Banking Group Branch
Operation Manager
Chief Accomplishments
Consistent Achievement in incremental targets for CASA, Fixed Deposits, loans and advances and achieve fee in
terms of Third-party products.
Responsible for branch sales goals through new business sales, referrals and retention of account relationship.
Handling Credit – Sourcing and processing of both Retail and Commercial Advances.
Segment the customer within the catchments of the branch to increase the Journal-Ledger base of the branch.
Provision of a superior level of customer relations and promotion of the sales and service culture through
coaching, guidance and staff motivation.
Consistent achievement of the budgeted target.
Responsible for overall branch performance including cost management, profitability, revenue generation.
Responsible for acquisition of new SME clients for Business loan products like Working capital, Term Loan, Mortgage
loan, Over Draft and other Retail Loans
Review customer profiles to identify possible risks involved and ensuring compliance with applicable internal policies
and procedures and external regulations
Adhere strictly to compliance and operational risk controls in accordance with Company and regulatory standards,
policies and practices; report control weaknesses, compliance breaches and operational loss events.
Preparing a brief appraisal note which contains all essential information about the applicant, drafting the terms and
conditions depending on the category of the applicant and submitting it to the sanction authority for approval.
Presentation of Proposals to Credit Committee at Central Office. /Divisional office.
Stipulating appropriate terms and conditions while sanctioning loans.
Concurrent checking on ATM operations, reconciliation and maintenance.
Monitoring and Regulating Non-Performing Asset category on Asset Products
Analysis of Functional and Technical Specifications on financial basis for credit appraisal
Attending review meetings with the credit officers for final follow ups and post sanction for the Loans
Internal Auditing and Monitoring control for Daily Branch Entries and Regulating Inspection Follow ups
Enrichment of MIS for Retail, Commercial and Corporate Loans
Business Performance: Karur Vysya Bank Ltd. from August 2014 to June 2021
Loans and advances Sourced: Rs.69.75 Crores
Fresh Working capital limit : Rs.24.50 Crores
Term loan Building - New : Rs.13.45 Crores
New Term Loan Others - New : Rs.15.80 Crores
Agri Loan – Indirect Finance - New : Rs. 3.00 Crores
Housing Loans - New : Rs. 7.00 Crores
Vehicle Loans - New : Rs. 6.00 Crores
Sourced - More than 500 CASA accounts, Term deposits of around Rs.20.00 Crores.
In Bancassurance, sourced both in Life and Non-life insurance of Rs.20.00 Lakhs in the FY 2019-20.
Personal Details
Address: No.9.Poonga Nagar, South Paalpannaicherry, Nagapattinam- 611003.
Date of Birth: 17/12/1990
Language known
To speak : English & Tamil
To read & write : English & Tamil
Declaration
I hereby declare that all the above details given by me are true to the best of my knowledge and all the testimonials will
be provided whenever called for.
Arvind.M
