Thomas Kallely

Senior Banking and Finance Professional with 40+ years of experience across commercial banking, credit analysis, compliance, audit, risk management, and financial operations with leading Indian banks. Proven expertise in credit evaluation, Corporate Financing, making financing strategies for the growth of loan portfolio, Products modelling, MSME financing, regulatory compliance, risk assessment, and customer relationship management. Adept at financial reporting, performance monitoring, and team leadership with a strong commitment to integrity and operational excellence.

Actively seeking remote and international opportunities to contribute deep banking expertise, analytical strength, and professional reliability.

Senior Banking & Finance Professional at CSB Bank Ltd (1985-01 – 2019-12)

• Managed end-to-end banking operations including deposits, loans, customer service, and NPA recovery across diverse portfolios.
• Performed detailed credit analysis for Corporates, MSMEs and NBFC financing, ensuring sound credit evaluation and effective risk mitigation.
• Ensured strict compliance with regulatory requirements, internal policies, and audit standards, maintaining zero regulatory lapses.
• Prepared financial reports and monitored key performance indicators to support branch and institutional performance targets.
• Advised customers on suitable financial products, investment options, and banking services, enhancing customer satisfaction.
• Conducted comprehensive risk assessment, credit appraisal, and due diligence for varied lending proposals.
• Led teams, mentored junior staff and supported operational efficiency through structured knowledge sharing and supervision.
• Have strong written and verbal communication skills, with a collaborative mindset for remote teamwork.
• Demonstrate the ability to perform rigorous data validation and quality control.

Senior Banking & Finance Professional at ESAF Small Finance Bank Ltd (2019-01 – Present)

• Continued to drive credit analysis and risk management excellence within a fast-growing small finance bank.
• Supported portfolio growth across MSME and retail segments while maintaining high asset quality standards.
• Contributed to compliance frameworks, internal audit processes, and regulatory reporting requirements.
• Delivered financial literacy and banking training to staff and customers, enhancing operational understanding.

B.Com in Commerce – Calicut University, Kerala, India

M.Com in Mgmt. Accounting & Costing – Calicut University, Kerala, India