1. NNaammee::–– SSRRIIPPAADD SS
MMoobbiillee :: ++9911 99998800005544886600
EE--MMaaiill :: ssrriippaadd22001100@@ggmmaaiill..ccoomm
Objective:
To consistently improve my skills and abilities in my chosen industry, and work towards contributing
significantly for the growth of organization
Professional Synopsis:
 A professional with 15 years of rich experience in spearheading Admin/Business operations development
and retail credit with key focus on credit appraisal and sanction. A keen planner & implementer with
demonstrated abilities in managing the overall operational and sales activities for accelerating the Branch
growth. Accept change and challenges.
 Excellent men management skills
 Good in building healthy relationship with clients for generating business and expanding market reach.
 Proven skills in managing teams to work in sync with the corporate objectives & motivating them for
achieving business and individual goals.
Professional Experience:
Currently working as
Branch manager (Credit and Liability) - Lakshmivilas bank, Bangalore
Designation: Manager
Scale-11
Working since June-2014
Job Profile:
 To handle credit proposals independently for HL, LAP, BL,PVL,CVL
 Collection & Verification of documents and assessment of eligibility as per norms.
 To analyze credit, quality check and appraise credit proposals
 Strictly follow, No compromise in compliance, KYC and guide lines of the bank
 To check CIBIL and credit history and bank statement of customers for each loan
 Internal rating of proposals as per bank norms
 To maintain 48 hours TAT for majority of loans at branch level
 To document and dispatch large case proposals Rs1cr and above to RO or CO for Sanction
 To prepare Unit visit and site visit reports before Sanction
 To calculate DSCR and eligibility based on proposals
 To prepare WC assessment based on past and projected P&L and balance sheet
 To follow up renewals in time to curb lapse and attritions
 To create EM at SRO in required cases and CERSAI registration in time
 To carefully follow Legal and valuation reports for each mortgage loan
 To focus on retail credit growth and cross selling various TPP products like LI, GI and HI.
 To aggressively disburse Agri and non Agri Jewel loans
 To handle a team for Monitoring of loans portfolio to ensure NIL NPA
Achievements:1) Achieved retail loans target set by bank in 2014-15 and 2015-16
2) NIL NPA branch since April-2014 to till date
3) Highest disbursement of Jewel loan and number 1 branch in Bangalore Metro
Branches. Doubled Loan in 1year.
4) Disbursed aggressively LAP, VL and TL and added incremental business

2. Company Name: HDFC bank
Designation: Teller Auth, Grade-Manager
Period-Sep-2013-June-2014
Job Profile:
 To resolve operational issues within time and their by an increased customer satisfaction
 To maintain good relation with customers in order to increase Sales
 To adhere for strict compliance and AML for clean business
 To maintain register and records systematically and up to date
 To submit periodical reports in time and best time management
 To collect documents and processing for HL, VL and LLAP
 To Cross sell insurance and Mutual fund to customers
Company Name: ICICI bank, Bellary
Designation: DBM Branch banking, Grade-Manager
Period: Feb2012- Agust2013
Job Profile:
 To resolve operational issues within time and their by an increased customer satisfaction
 To maintain good relation with customers in order to increase Focus and sales
 To adhere for strict compliance and AML for clean business
 To maintain register and records systematically and up to date
 To submit periodical reports in time and best time management
 To coordinate with infra and service managers in time for Branch health
 To provide training on KYC, MF, LI, FD, RD,JL, Equities and derivatives
 To handle multi task under pressure and cross sell
 To recruit sales officers, to motivate and conducting sales promotional activities
 To maintain discipline and best monitoring of team
 To increase CASA through RFIG and TASC accounts. Sourcing new institutional business
 To collect documents and processing for HL, VL and LLAP
Achievements:
 Resolved highest operational issues and zero vendor escalations
 Increased productivity through effective training
 Quality service to customers and their by an increase in FOCUS
 Sold highest quantity of gold as a seasonal sales and top3 across region
 Achieved Savings and current Ac targets month by month
 Brought CASA and achieved on MTD and YTD targets
 Conducted sales promotional activities on mortgage loans(Vehicle and Housing loans)
 Highest sale of gold loan across region and stands 2nd
place in Karnataka
Company Name : KARVY stock broking ltd
Designation : Branch Manager – Profit center head/operations management
Duration : Oct 2008–Dec2011
Job Profile :
 Leading a team of Professionals to achieve targeted revenue goals by aggressively adding new clients
and retention of existing clients
 To manage a team working for sale of different products like Equity, Mutual fund, General Insurance,
Pan and Tin
 To provide utmost service to HNI and corporate clients. To regularly update on corporate benefits
 To facilitate secured loan against shares and home loans for those who invest in Karvy realty business
 Final verification of all documents before sending them to HO to avoid held up and delay in process

3.  To provide training to new joiners and other employees on different financial products like Shares,
Mutual Funds, and Insurance etc. It is inclusive of on the job training and off the job training. To
 Escalations of client issues and quick response to business mails
 Achieving the set targets month on month by concentrating on all the products and through effective
cost control measures
Company Name : MARWADI SHARES AND FINANCIAL SERVICES LTD
Designation : Branch Manager/Profit center head Bangalore
Duration : May 2007 – July 2008
Company Name : UNIFI WEALTH MGT LTD
Designation : Senior Executive
Duration : Sep 2004 – Nov-2006
Company Name : GEOJIT FINANCIAL SERVICES LTD
Designation : Junior Executive
Duration : Nov 2003-Aug 2004
Company Name : SUVIDHA SECURITIES
Designation : Executive
Duration : June 2001-Oct 2003
Qualifications:
BBA from Karnataka University-2000-60%
PGDBA-Finance- from symbiosis Pune-2009-62%
Other qualifications:
SIBSTC- credit training certified
NSDL Certified- GI and LI&MF
IT Skills – Windows, MS Office and Internet Applications
Personal details:
 Date of Birth : 22/07/1977
 Residential Address: No-21/30, 2nd floor, 1st E main road, Girinagar, Bangalore-560085
 Languages Known : English, Hindi & Kannada
 Nationality : Indian
 Marital Status : married
Interests and Hobbies : Reading, Business channels, soft music and Sports
I declare that the details mentioned above are true and correct to the best of my knowledge
Date:
Place: Bangalore Signature
.