Scribd Logo
Upload

Welcome to Scribd!

  • 21 views

    Professional CV

    Uploaded by

    arulbankofindia
    Arul Kumar is a senior manager at the Credit Bank of India with over 10 years of experience in banking. He has led strategic initiatives to grow credit portfolios and improve asset quality. As a branch manager, he increased business volumes by focusing on acquiring low-cost deposits and originating retail, agriculture, SME, and corporate loans. He has received several awards for his achievements in growing deposits and loan portfolios.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Professional CV

    Uploaded by

    arulbankofindia
    21 views2 pages
    Arul Kumar is a senior manager at the Credit Bank of India with over 10 years of experience in banking. He has led strategic initiatives to grow credit portfolios and improve asset quality. As a branch manager, he increased business volumes by focusing on acquiring low-cost deposits and originating retail, agriculture, SME, and corporate loans. He has received several awards for his achievements in growing deposits and loan portfolios.

    Copyright

    © © All Rights Reserved

    Available Formats

    PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    Arul Kumar is a senior manager at the Credit Bank of India with over 10 years of experience in banking. He has led strategic initiatives to grow credit portfolios and improve asset quality. As a branch manager, he increased business volumes by focusing on acquiring low-cost deposits and originating retail, agriculture, SME, and corporate loans. He has received several awards for his achievements in growing deposits and loan portfolios.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    21 views2 pages

    Professional CV

    Uploaded by

    arulbankofindia
    Arul Kumar is a senior manager at the Credit Bank of India with over 10 years of experience in banking. He has led strategic initiatives to grow credit portfolios and improve asset quality. As a branch manager, he increased business volumes by focusing on acquiring low-cost deposits and originating retail, agriculture, SME, and corporate loans. He has received several awards for his achievements in growing deposits and loan portfolios.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    SENIOR MANAGER CREDIT BANK OF INDIA

    Arul Kumar

    PROFILE
    BANKING, FINANCIAL SERVICES, | PUBLIC SECTOR UNDERTAKINGS
    Finance professional with leadership experience and proficiency in Credit and
    Risk Management, Business Strategy, & Problem Solving, Financial Analysis, &
    Regulatory Compliance across Corporate/MSME/Retail/Agri verticals.

    EXPERIENCE (10 YEARS)


    SENIOR MANAGER CREDIT HEAD, BANK OF INDIA PANCHNATH BRANCH RAJKOT —
    OCT 2020 TILL DATE
    • Leading strategic initiatives to augment growth, improve asset quality & regulate
    operations of ~INR 750.00 Crores plus strong credit portfolio, comprising mainly
    Mid Corporates and SME and total business mix of ~INR 2030.00 Crores

    • Managing Capital Market Portfolio of Stock Brokers in of ~INR 700.00 Crores and
    present branch is one of only 6 authorised branch allowed to deal and manage
    Stock Broker Account Pan India

    • Leading a 6-member team to achieve ~ 160% business growth y-o-y basis & ~ 60%
    TAT reduction to 14 days for MSMEs through client engagements, streamlining
    processes, digitalising underwriting and audit compliance

    • Recommended ~INR 490 Crores commercial decisions to credit committees through


    client negotiations, & evaluating business performance, management projections,
    viability, & market scenarios

    • Manage retail credit portfolio of ~INR 122 Crores starting from lead generation till
    recovery, achieve incremental growth of 29% and net slippage of 0.02%

    • Comprehend capital requirements of ~17 start-ups, performed valuations &


    contributed to disbursement of ~INR 155.00 Crores to Green eld Projects

    • Implemented prudent risk management practices through EWS & other monitoring
    tools to assess & control operational & business risk and maintain gross NPA at
    0.50% and net NPA at 0.19%

    • Received ‘Low Risk’ categorisation in the Risk-based Internal Audit for credit
    growth, high quality nancial analysis and operational and compliance excellence
    in SME credit

    BRANCH MANAGER BANK OF INDIA GARHMUKTESHWAR BRANCH — AUGUST2019-


    OCTOBER 2020
    • Semi Urban branch with business mix of INR 50.00 crores

    FLAT NO A101, COZY COURTYARD, RAJKOT-360005 +919634613213 [email protected]


    fi
    fi
    • Boosted the credit portfolio to 37% and deposit with 45% having low cost deposit
    (CASA) portion of 55%

    • Initiated Gold Loan and disbursed more than INR 3.00 crores in 6 month span

    BRANCH MANAGER BANK OF INDIA GANGOH BRANCH — JUNE 2018- AUGUST


    2019
    • Conceptualised and executed roadmap for a new branch with business mix of INR
    3.00 crores and in span of a year business mix crossed INR 30.00 crores

    • Headed a 4 member team and scouted customers for increasing low-cost liability
    business and achieved a healthy share of low-cost deposits (CASA) at 56%

    MANAGER CREDIT BANK OF INDIA LALPUR BRANCH — JULY 2017-JUNE 2018


    • E ectuated ~1100+ crop loans in duration of 11 months reducing the pendency of
    renewal from 87% to 11%

    • Renewal with incremental sanction of 300+ KCC (crop loans) 16 crore with average
    ticket size of Rs. 5.00 Lakh (highest incremental sanction in region)

    OFFICER BANK OF INDIA HAPUR JULY 2013- JULY 2017


    • Initial two year of banking career in General Operation Department of INR 300.00
    Crore Deposit branch having share of low cost deposit at 45% CASA

    • Processed Retail Loans in all segment majorly Mortgage and Home Loan Portfolio of
    of ~INR 76.00 Crores

    • Handled SME nance for branch and spoke model handling loans from Mudra
    Scheme to MSME ticket size ranging from INR 0.25 Lakh to INR 200.00 Crores.
    Onboarded and enhanced SME asset portfolio by INR 26 Crores in one year

    EDUCATION
    • University of Delhi, Delhi — Master of Finance & Control (2010 2012)

    • Sardar Vallabhbhai Patel University of Agriculture and Technolo y, Meerut —


    B.Tech (Biotechnolo y) (2005 2009)

    SKILLS
    • Certi ed Associate of Indian Institute of Bankers (CAIIB), by IIBF
    • Junior Associate of Indian Institute of Bankers ( JAIIB), by IIBF
    • Awarded for best YoY growth in CASA deposits among 102 branches
    • Top Performer in "Total Advances"
    • Awarded for best YoY growth in Total Advances among 120 branches
    ff
    fi
    fi
    g
    -
    -
    g

    You might also like