Prasad V

Experienced banking professional with nearly 28 years in banking and NBFCs, skilled in: Branch Management – Leading daily operations, team performance, and compliance

• Business Development – Driving growth across assets, liabilities, and cross-sell products
• Customer Relations – Ensuring service excellence and client retention
• Recovery Management – Proven ability to reduce NPAs and handle overdue accounts effectively
• Team Leadership – Hiring, training, and motivating staff to exceed targets
• Strategic Execution – Implementing plans that improve profitability and reduce risk. Seeking a senior-level role in Product Management, Business Development, or Operations within a growth-focused organization.

Branch Manager - Coastal Local Area Bank Ltd - Vijayawada / Nuzvid / Gudivada

(2014-06)

• Lead overall branch operations and focus on both asset and liability growth and looking for overdue accounts, reducing NPA accounts
• Formulated and executed branch-level business development plans and sales strategies
• Implemented marketing and promotional campaigns to attract and retain customers
• Monitored sales targets, controlled budgets, and generated performance reports
• Conducted lending risk assessments and ensured compliance with regulatory standards
• Supervised, trained, and motivated branch staff to meet individual and collective goals
• Ensured adherence to corporate branding, compliance, and fraud prevention procedures
• Addressed customer complaints and maintained service quality standards
• Represented the bank in local business communities including chambers, solicitors, and accountants
• Ensured strict adherence to board-approved banking policies and timely execution of HO directives
• Oversaw recovery of overdue loans and managed NPA reporting efficiently

Asst. Area Manager - FEDBANK Financial Services Ltd - Vijayawada

(2013-05 - 2014-05)

A wholly owned subsidiary of Federal Bank.

• Managed multiple branches across the region with responsibility for recruitment, training, compliance, and performance oversight
• Recruited Branch Managers and operational staff; conducted product training on gold loans and cross-sell products such as HL and LAP
• Set branch-wise gold loan targets and ensured achievement within defined TATs
• Motivated teams to deliver strong portfolio growth and maintain quality
• Drove cross-sell of third-party products like insurance to enhance revenue streams
• Organized promotional campaigns and local outreach to boost customer acquisition and retention
• Conducted periodic meetings with staff and customers to address concerns and improve efficiency
• Resolved operational and audit findings, ensuring strict compliance with internal processes
• Reviewed and approved high-value cases that exceeded branch-level authority
• Performed branch visits to ensure adherence to quantitative and qualitative benchmarks
• Provided market feedback on competitor pricing and gold loan strategies
• Liaised with local vendors (security, signage, legal, valuation, FI agencies) to support operational needs

Branch Manager - Muthoot Finance Ltd

(2010-03 - 2013-05)

• Recruited, trained, and led branch teams for gold loan and cross-sell product operations
• Assigned individual targets and ensured achievement within specified timelines
• Focused on portfolio quality and revenue generation from third-party sales like insurance
• Addressed audit observations promptly and enforced regulatory compliance
• Managed follow-ups with delinquent customers to regularize overdue accounts

Branch Manager - Muthoot Fincorp Ltd

(2008-04 - 2009-08)

• Recruitment of Branch Staff, and other non-sales function required in a particular area and providing training to branch Staff on main product of Gold loans and cross selling of various products
• Target allocation of gold loans to each staff in branch & ensuring all branches should achieve their individual targets in time
• Motivating each staff to ensure that they meet their sales targets, and development of growing the gold loan portfolio in both quantity & quality
• Generation of additional revenue from third party products like insurance
• Attending for rectification of audit remarks and ensure compliance strictly
• Calling overdue borrowers for regularize their overdue accounts

Branch Manager - Shriram City Union Finance Ltd

(1996-05 - 2008-02)

• Managed a multi-product loan portfolio including gold, hire purchase, two-wheeler, personal loans, LAP, and trade finance
• Led business development for deposits, chit funds, and insurance products
• Handled sales, recovery, and team performance through structured reviews
• Strengthened customer relationships and promoted a positive institutional image
• Ensured proper documentation and custody of all loan-related paperwork
• Conducted thorough verification and appraisal for all types of loans
• Delegated responsibilities strategically across the team for balanced supervision
• Encouraged periodic duty rotation and employee involvement in recovery efforts
• Verified cash balances, gold packets, and ensured asset security
• Scrutinized daily vouchers and ledger entries for accuracy and compliance
• Held key control of the strong room and oversaw its operation
• Handled local bank reconciliations and enforced expense controls
• Maintained branch infrastructure, ensured timely rent/license payments, and oversaw utilities
• Resolved audit irregularities with timely corrective action and regular follow-ups
• Stayed updated with HO/RO instructions and ensured strict policy adherence
• Upheld customer service excellence through politeness and professional communication
• Led consistent recovery efforts to manage NPAs and overdue loans

Bachelor's Degree - Commerce - Nagarjuna University

PG Diploma - Finance Management - Nagarjuna University