Justin Kirubakaran

Banking professional with 9+ years of experience in retail business banking, credit operations, and customer relationship management within the home country banking sector. Skilled in loan renewal processing, interest rate determination, and supporting customers throughout the loan/credit journey. Strong communication and interpersonal skills with a proven record of team leadership, process improvement, and customer satisfaction. Immediate joiner.

Executive Financial Assistant - Karunya Deemed University

(2021-12)

• Managed departmental budgets and monitored expenditures to ensure adherence to budgetary constraints.
• Prepared financial reports, including income statements, balance sheets and cash flow statements.
• Developed and implemented financial policies and procedures.
• Organized financial planning and logistics for institutional events, maintaining accurate financial databases.

Customer Relationship Officer - Axis Bank

(2020-12 - 2021-12)

• Coordinated with business units and customers to ensure timely completion of banking processes.
• Authorized and scrutinized renewal, disbursement and inventory funding requests.
• Managed a team of 4 members, delivering projects within deadlines.
• Handled NPA clients and maintained TAT MIS and reconciliations; supported internal and external audits.
• Initiated process enhancements and conducted UAT for new process launches.

Credit Manager - Unimoni Financial Services Ltd.

(2015-02 - 2020-05)

• Managed the end-to-end loan renewal process and extensions for existing customers, supporting them throughout the process.
• Collected renewal fees and determined applicable interest rates.
• Managed SRM/TOD operations and inventory funding bulk transactions.
• Reduced customer waiting times and increased operational efficiency, improving service levels.
• Trained and mentored new associates; monitored team performance and shared best practices.
• Devised and presented new process ideas and strategies to management.

MBA - Finance and Marketing - Anna University (2011 - 2013)

Bachelor of Business Administration - Madurai Kamaraj University (2009 - 2011)