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
