Nidhin Venugopalan

Results-driven banking and insurance professional with 12+ years of experience across credit sales, personal loans, credit cards, bancassurance, relationship management, and team handling in India and the UAE. Strong exposure to customer eligibility assessment, documentation, risk awareness, collections coordination, and compliance. Adept at balancing business growth with portfolio quality.

Agency Development Manager (ADM) - Axis Max Life Insurance Co. Ltd - India

(2023-11 - 2025-12)

• Developed and managed agency channel with focus on quality business sourcing
• Evaluated customer profiles, income eligibility, and documentation before proposal submission
• Ensured compliance with company and bancassurance norms
• Coordinated with operations and underwriting teams for policy issuance
• Maintained persistency and reduced early-stage risk through proper customer profiling

Sales Manager – Corporate Channel - Muthoot Pappachan Chits India Pvt. Ltd - India

(2023-03 - 2023-09)

• Managed corporate channel sales across multiple locations
• Handled team management and performance monitoring
• Sourced chit business through assigned Muthoot Fincorp branches
• Verified customer background, payment capacity, and documentation
• Supported collections and ensured portfolio quality

Business Associate & Sales Coordinator - Alliance Insurance - UAE

(2022-05 - 2022-10)

• Coordinated insurance sales operations and customer onboarding
• Verified documents and ensured compliance with internal policies
• Assisted relationship officers with customer servicing

Senior Relationship Officer (Credit Cards & Personal Loans) - RAK Bank - UAE

(2021-10 - 2022-04)

• Sourced and processed credit card and personal loan applications
• Assessed customer eligibility based on income, liabilities, and credit norms
• Ensured complete KYC and documentation accuracy
• Followed up on pending cases and post-disbursement customer support

Senior Relationship Officer - National Bank of Abu Dhabi - UAE

(2015-01 - 2015-07)

• Handled retail banking customers and credit product sourcing
• Maintained portfolio quality through proper customer screening

Relationship Officer - Union National Bank - UAE

(2013-03 - 2014-03)

• Managed customer acquisition and relationship servicing
• Supported credit documentation and application processing

Cluster Manager - Religare Health Insurance – India (PNB Bancassurance) - India

(2018-08 - 2018-12)

• Managed bancassurance channel with partner bank branches
• Ensured policy compliance and proper customer need analysis

Team Leader - Canara HSBC Life Insurance - India

(2015-11 - 2018-06)

• Led sales teams and ensured quality business sourcing
• Trained advisors on documentation and compliance

Assistant Sales Manager - Axis Bank - India

(2011-09 - 2013-02)

• Handled CASA, loan referrals, and credit card sourcing
• Coordinated with credit and operations teams

Junior Officer - ICICI Bank - India

(2010-09 - 2011-09)

• Customer servicing and basic banking operations

Bachelor of Arts - Government College, Madappally